23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I am writing to formally dispute the civil liability claim for negligence referenced as 1681 XXXX. After reviewing the claim and associated documentation, I believe that the determination of liability is unjust and does not reflect the actual circumstances of the event in question. Below are the key points of my dispute : Factual Discrepancies : The claim alleges that my actions were negligent, but the circumstances surrounding the event are not accurately represented. [ Provide a brief summary of the facts from your perspective, including any evidence or witnesses that support your position. ] Absence of Negligence : It is my belief that the incident occurred without negligence on my part. [ Explain why you believe the incident was not caused by your negligence, providing any supporting evidence, such as safety measures you took, adherence to procedures, or lack of a duty of care. ] Mitigating Factors : Additionally, there are mitigating factors that must be considered, including [ mention any factors that reduce or eliminate your liability, such as weather conditions, unforeseeable events, or actions taken to prevent harm. ] Inadequate Documentation : The evidence provided does not substantiate the claim of negligence. [ If applicable, explain any gaps or inconsistencies in the documentation provided by the claimant. ] Given these points, I respectfully request that this claim be reviewed and reconsidered. I am open to discussing this matter further and am happy to provide additional evidence or clarification as needed. 

Please confirm the receipt of this letter and advise on the next steps in resolving this dispute. I look forward to a prompt and fair resolution of this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

A company called my sister looking for me saying I have to call them about a legal matter and then gave a case number. I called the number back on XXXX XXXX and was told to speak to XXXX. ( XXXX ) XXXX. After speaking with her, she told me that I owe on a credit card. I told her I thought that was paid off. She said it was from XXXX  and I need to pay XXXX now and then XXXX per month for 24 months to settle or I will go to court and I will have to pay legal fees and possibly have my garnishes taken. I received a docusign that I signed since she said I had to do while on phone with her. I gave my debit card. Since that phone call, I learned that several people have gotten the same letter with same letter head and also called a family member first. They say that they are XXXX XXXX with phone number ( XXXX ) XXXX. Address XXXX XXXX XXXX XXXX XXXX, CA XXXX. On XXXX I called XXXX who they said I owed money to, and spoke with XXXX and she said their records dont even go back that far and they arent collecting a debt on me and its probably a scam. I called number back on XXXX to let this company know I already paid this debt and I dont have anything on my credit report and that I was going to report them. No one answered and it was just a regular voicemail not a voicemail of a law firm. I then called my bank and cancelled my debit card to avoid any transactions trying to be taken my this so called company. They have my address now, my phone number.
Product: Debt collection

Hello I was checking my credit report and I noticed a collection account which I attached a copy of below XX/XX/2021 I did not open any such account I don't even know what this is I disputed it on XXXX XXXX  they gave me a result that it was verified which is impossible again I've had no communication from this company again I don't even know who they are or what this is and I did not open that account XX/XX/2021 SPRING OAKS CAPITAL LLC Last reported XX/XX/2021 {$470.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2021 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Original creditor name XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt is on my credit report and I do not owe this company any money nor have I received any type of correspondence or mail about this debt. There is no written contract between myself and this debtor that I owe them this amount of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address and names not mine XXXX XXXXXXXX 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 FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collections not mine XXXX XXXX XXXXXXXX XXXX XXXX XXXX FCRA Violation '' auto loan not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX FCRA Violation : other loan not mine XXXX XXXXXXXX XXXX Violation accounts not mine remove from account.
Product: Debt collection

My complaint doesn't fit any options you listed other than it was an attempt to collect a debt. It happened this way : I had a XXXX managed by Synchrony Bank. This matter just resurfaced over an attempt on my part to get a JC Penny credit card. I got an answer from Synchrony Bk saying my credit was not approved due to an unsatisfactory issue with the bank. So I wrote Synchrony and asked for the specific reason for the denial. An answer came back telling me I had an account with them that ended in a charge off. 1yr ago after being robbed, and having my bank acc't compromised, I called Synchrony to set up a time when the remaining balance of {$280.00} would be paid. The agent who assisted me told me he was transferring my call to someone who would handle my payment.The next agent asked me what caused my account to become delinquent? I told her, then she asked if I could pay {$93.00} that would close my acc't would I do it? I said yes, then she proceeded to set up payment arrangements with a caution, all payments must be paid by the due dates or the deal would be cancelled and I would again owe {$280.00}. There was never a time when anyone told me this was a charge off that would negatively affect my credit. Had I known that I would have paid the balance due. 
My point is Synchrony Bk while attempting to help clients like me, is actually doing great harm by not telling customers up front what a Right Off is and how it will affect their credit going forward. I feel the bank should be sued for not being truthful. I tried to go back to the notes I had at the time online but my account has been removed from their site. I will research for my personal notes for dates, and other info in case it's needed.
Product: Credit card or prepaid card

My school refund in the amount of {$1600.00} what is released to American Express Bluebird for direct deposit and should have posted to my account today XX/XX/2018, yet it has not posted, and when you try to call the bluebird customer service number on the back of the debit card there is no option to reach a representative, the only way to reach a customer service rep is to choose the option of reporting the card lost damaged or stolen, then after choosing that option it transfers you to a line that has a busy signal that hangs up on you completely disconnecting you from their line leaving customers unable to reach a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps on violating fcra regulations they recently reinsert information on my report which was deleted long time ago, reinsert, deleted, and now again reinsert. When reaching out to them by email they simply not responding or just giving false and funny answers. In result of this, I was already denied a mortgage, even if they correct it and l reapply, I'm not sure it will still help, and if it does, it will surely lead to an extra hard inquiry on my report. IT'S ABOUT TIME TO FINALLY PUT EQUIFAX OUT OF BUSINESS.
Product: Checking or savings account

I opened a TD bank checking account online over seven days ago. Had my payroll check for XXXX deposited into my account. Transferred {$370.00} into the new account also. Debit card did not come and I needed some cash so stopped into the TD bank on XXXX XXXX XXXX in XXXX Florida on Sunday XX/XX/ at approx XXXX eastern time. I had to wait over one hour to speak to a teller who informed me I could not take funds from the account and that I had two charge off accounts one for XXXX and one for {$1000.00}. The one for {$67.00} I knew about. My identity was stolen from the unemployment system a couple of years ago. TD bank has never made me aware of this {$1000.00} balance and because of prior identity theft I dont even know if this debt is mine. The teller told me the only way to resolve the account was to pay this in full otherwise my funds are on hold and owed to TD Bank. my car is supposed to go into the shop Tuesday. My air conditioner broke in my car and I have two diseases. I think it is unfair of TD bank to keep this {$1000.00} without my prior knowledge of this debt. I want this refunded to my checking account. My rent is due and this has put me in a terrible position and I am sitting here with extreme XXXX. I am reporting this to the company who owns TD Bank. 

Prior complaint # against TD Bank was XXXX I have been asked why I Bank with TD bank and it is because I truly like TD Bank and the convenience hours on weekends and low account rates but all for these 2 situations I come back to this bank because I truly think it is one of the best in the area. 

Thank you XXXX XXXX XXXX
Product: Credit card

Marcus stated they do not accept applications over the phone and they have no branches to apply in person. Requires internet access to use their financial services. I don't believe that is legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

When going to purchase a product on the XXXX XXXX XXXX ( both in the XXXX  web browser and their XXXX XXXX XXXX XXXX the option to checkout with monthly installments was unable to be found. This is a well advertised feature for the Apple Card, allowing you to do monthly installments for purchases of XXXX XXXX products, but when checking out with Apple Pay or by going through a regular checkout process in the XXXX  page and the XXXX XXXX XXXX, the only option available was to pay in full. Their own website states all you have to do is click the pay in monthly installments button and youre good to go, but that is not true as it was nowhere to be found.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting remedy for the following violations from NFCU. Violation of 15US code 1642, 15 U.S code 1681m, and 12 cfr 1002. Have mailed certified letter of notification to Navy Federal with tracking number XXXX. Letter has been received but have not received a reply.
Product: Credit reporting or other personal consumer reports

Failed to properly investigate disputed information Failed to delete inaccurate information Failed to provide adequate written notice of investigation results Improperly reinserted deleted information
Product: Credit reporting

I submitted dispute letters to the credit bureaus and directly with XXXX on multiple occasions and XXXX continues to verify the inaccurate items. The XXXX listing with a credit limit of {$29000.00} ; according to my Experian report this item should no longer be on my file. The first date of continuous delinquency that they are reporting of XXXX XXXX is not accurate. The date of continuous delinquency should have been XXXX of XXXX not XXXX of XXXX. This loan was not deferred therefore according to my contract with XXXX payments would have been due 6 months from the date that I was no longer enrolled in school as such my first date of continuous delinquency should have started on XXXX of XXXX. This item is over 7 years old and should have been removed from my file in XXXX of XXXX. The calculations of these dates, account history and reportability is not accurate. In my dispute I included a print screen showing the inaccurate items that they are reporting. XXXX has deliberately damaged my credit and are negligently continuing to do so at the detriment to my family. I 've been turned down for credit and my good name has been tarnished. 

My previous report dated XXXX/XXXX/XXXX for account {$12000.00} clearly shows that it was 60 days past due as of XXXX of XXXX. 7 years from that date XXXX+7years= XXXX XXXX. This item should have been deleted from my report in XXXX of XXXX. XXXX has re-aged this item and continues to report an item that should have been deleted over a year ago.
Product: Money transfer, virtual currency, or money service

This is my second complaint against Deutsche Bank, they lied to you. I inherited money and they did not fix my Certificate of Deposit, they change the written amount but did not change the codes. The XXXX notified me to this matter. They said the didn't have anything here is more documents to support my claim.
Product: Credit card or prepaid card

On XX/XX/2023 I called cash app to file a dispute for 1 transactions that I made online for the amount of XXXX because I never received my merchandise from the merchant well cash app denied my dispute so I called back on the XXXX, XXXX, XXXX, XXXX and each time my dispute was denied. On the XXXX I called back and asked cash app could they send me a statement stating what steps was taken to come to the conclusion that did and they sent me a receipt I sent cash app a demand letter stating that I would file a lawsuit if this matter isn't resolved and they closed my account. I sent emails to the merchants with 1 reply and nothing from the others now I am out of money and I have no merchandise. I do have documentation confirming this I even have a witness to this event also.
Product: Debt collection

I have been contacted numerous times by Sallie Mae Bank over the past 5 to 10 years regarding my siblings student loan debt. Apparently I am listed as a point of reference as someone who can help them get a hold of my sister. My sister already has payment plans set up with them and has asked them to stop contacting me and they refuse to do so. 

They are now contacting my wife, who was not known to my sister at the time she got the loans ( approximately 6 to 7 years before my wife, and I even met. ) They continue to harass me and now my wife, when the debt is not mine or my wifes and they have been requested to see communications on multiple occasions. 

I consider this harassment. It needs to stop.
Product: Credit card

In XXXX 2025, I contacted Citibank to report the unauthorized charges. During my call, I explained that I had not used the card in over a year and could not have incurred the charges in question. I was assured by your Fraud Department that an investigation would be opened and that I would receive a written notice detailing the results.

Despite following up with Citibank twice, I have not received any correspondence or outcome from your fraud investigation team. During these follow-up calls, I also made it clear to your representatives that I would not agree to pay the disputed charges until a proper investigation had been completed and I was informed of the findings.

To add to my concern, I have now received a letter from Citibank implying that my XXXX Citibank account, which I have held in good standing for many years, may be cancelled if I do not pay the disputed amount related to the Double Cash card. This feels not only retaliatory but deeply unfair given the circumstances and lack of communication by Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am uploading 2 different copies of my credit report to prove that Experian credit reporting company is reporting incorrect information on my credit report. XXXX XXXX XXXX XXXX is a fraudulent account I have disputed this numerous times. It has been removed off my XXXX credit report which I am uploading proof. Experian sends me the before and after dispute results and all they did was add I am disputing this as a fraudulent account. After research and contacting legal advice I was told by my attorney any fraudulent account is to be removed from my credit report. Another discrepancy is my XXXX account. On Experian it is showing as account that is negative and will go to a positive in the year 2022 well on XXXX   it is showing as account paid as agreed and account that is satisfactory. Experian I feel is not doing any investigation on my disputes. If they did this matter would have been corrected and resolved already. My Experian report looks horrible because it has all incorrect information. It is affecting me in obtaining substantial credit. However on my XXXX  report there is nothing negative as it should be reporting. I am constantly having problems with Experian in getting them to correct the completely wrong information on my report. They dont care as its not there name being ruined its my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX i have no knowledge of this inquiry please remove. I'm trying to buy a house. Thanks
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$7100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These credit bureaus are not responding to my dispute requests at all. The below letters have been sent on the below dates with NO RESPONSE! This is against the FCRA consumer law. 

XX/XX/year>, XX/XX/year>, XXXX NO RESPONSE FROM ANYONE I want the below accounts removed/deleted from my credit report. As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute. 

XXXX ) XXXX XXXX XXXXPlease provide detailed documentation showing the steps taken to verify the accuracy of this account. 
XXXX ) XXXX XXXX XXXXPlease provide detailed documentation showing the steps taken to verify the accuracy of this account. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXPlease provide detailed documentation showing the steps taken to verify the accuracy of this account. 
XXXX ) XXXX XXXX XXXXPlease provide detailed documentation showing the steps taken to verify the accuracy of this account. 
XXXX XXXX XXXX XXXXXXXXPlease provide detailed documentation showing the steps taken to verify the accuracy of this account.
Product: Mortgage

Deceptive Practices, Failure to Prove Lapse of Insurance To whom it may concern, I need urgent assistance with the deceptive practices of Shellpoint Mortgage Servicing, the company that holds the loan # XXXX XXXX of my XXXX XXXX XXXX for the apartment located at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX in which I also reside. It appears they are deliberately misleading us, potentially leading to the foreclosure of our apartment. 

Last year, Shellpoint requested proof of property insurance in XXXX, and I promptly provided all necessary information, including the MASTER POLICY & HAZARD INSURANCE details from the XXXX XXXX XXXX, on XX/XX/XXXX. Similarly, I also submitted proof of FLOOD INSURANCE on XX/XX/XXXX. 

Despite this, Shellpoint is now unjustly charging over {$1700.00}, alleging a lapse of insurance, despite us being fully compliant with all legal requirements. Moreover, there are discrepancies in their records regarding our monthly mortgage payments, falsely showing the last payment in XX/XX/XXXX, despite payments made until XX/XX/XXXX, which have been successfully deducted from the bank. 

Additionally, this XXXX, we faced challenges making the payment due to an insistence on approval from my sister 's bank, despite being authorized to make payments on her behalf since XX/XX/XXXX, due to her XXXX condition. This delay has caused immense distress in our family. 

It seems Shellpoint XXXX be using our mortgage payments to cover their erroneous lapsed insurance charges. Despite numerous attempts to rectify these issues and countless contacts with Shellpoint, they have not provided satisfactory resolutions and continue to demand proof of insurance without evidence of a lapse. Urgent assistance in resolving these matters is desperately needed. 
I have all emails sent to Shellpoint as proof of satisfying the insurance proof requested. 

I look forward to hearing from you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.