23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

STEVEN BUSINESS SERVICES XXXX XXXX- # XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Vehicle loan or lease

I recently made a complaint and company said that they were going to apply my XXXX benefits to the loan but never did. They are still charging me at the original rate of XXXX XXXX even though they said they would bring it down. Now every time I contact customer service they tell me they cant help me and refer me to a number that does not work.
Product: Mortgage

I was accepted to the XXXX XXXX XXXX XXXX program in 2003. I do not pay my property taxes until I pass away or sell my home as this helps me stay in my home while I'm XXXX. My mortgage company keeps paying my property taxes, then asking for a refund, and reapplying it to my escrow account. While this is happening my mortgage payment changes to {$1000.00} from the correct amount of {$690.00}. I have tried to stop the billing by XXXX XXXX XXXX program and was told that was not possible. I have made at least one call per month and often many more trying to get Ditech to reverse the payment, correct my escrow, and apply my house payments correctly. I have to Fax each item to them or Ditech just says they didn't receive the letters. They have destroyed my credit history. They reported that I was two house payments behind, when I had paid the correct amount on or before the 1st each month. They reversed the credit information, but several accounts had been closed due to the misreporting. XXXX XXXX XXXX XXXX program supervisor said as soon as they receive the request they will have the check back out in 1 week. Ditech Tax Department told me that when they receive the refund they have 60 to 90 days to correct the escrow. They have already taken my XXXX payment {$690.00} and applied it to the XXXX payment {$690.00} to cover the incorrect amount of {$1000.00} that I was billed for XXXX. So now it appears that I haven't paid my XXXX payment at all. I don't know what else I can do. I have to have escrow to cover my FHA insurance. As long as I have an escrow account they will continue to pay my suspended property taxes. I have been trying for 3 years to get this resolved. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax place a consumer report on my credit file that I do not want on my credit report and refuse to remove it from my credit file I did not authorize them to place any kind of statements on my record for lenders and creditors to see I would like this stuff removed from my credit report and they refuse to remove or remove the inquiries that I asked instead they placed my complaint that I filled with the XXXX on my credit report which is unacceptable and against my will I did not ask them to that and do not want that on my credit file
Product: Credit card or prepaid card

On these days are the dates and amounts that funds were taken from my prepaid debit card without my authorization. 
XXXX {$160.00} XXXX {$140.00} XXXX {$130.00} I have been trying to get in contact with the company for 2 days.When I call either the line is busy, an automated system prompter becomes available then the phone automatically hangs up in which I have to keep calling back to back and also being charged each time I call.
Product: Debt collection

XXXX XXXX XXXX is reporting a collection/charge-off account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with XXXX XXXX XXXX. I have never received any correspondence from XXXX XXXX XXXX stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with XXXX XXXX XXXX for some time & see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement &  proof that XXXX XXXX XXXX  owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. XXXX XXXX XXXX  refuses to comply and has constantly changed the dates on my credit file & keeps reinserting this derogatory account, I believe in an attempt to make this a valid debt. XXXX XXXX XXXX is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure XXXX XXXX XXXX   understands the importance of properly investigating my concern. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family as we were recovering from medical issues. XXXX XXXX XXXX even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in XXXX XXXX XXXX 's and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.
Product: Credit reporting or other personal consumer reports

I'm writing about these accounts. I'm very affected by that on my credit record. My credit record shows these accounts because I was a victim of identity theft. These accounts are harming me because they are not mine and I shouldn't be responsible for something opened without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving my credit report I noticed some accounts that I didn't recognized and I made a police report and notified the companies. I asked via USPS on several occasions requesting validation of the debt that shows that I am indeed the correct person that opened the accounts. I have not received anything that I've requested. I know my rights and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I. 

Before contacting an attorney for legal advise I wanted to contact your agency for guidance.
Product: Credit card or prepaid card

1 ) Elan has been conducting predatory lending practices. Allowed spending to go well beyond the limit, then started penalizing with fees, higher interest rates for being over-the-limit and for being unable to pay the high minimum payment. The resulting interest rates were exorbitant, usury and gouging. 

2 ) Charing late fees when the payment was received on-time, however I was unable to pay the full minimum due, even though 2/3 of the minimum was interest. 

3 ) The total owed as part of the XX/XX/2019 hardship arrangement contains high interest charges for the past several years, which was based on incorrect information provided by XXXX. I have been unable to reach anyone at XXXX to help correct the information. When addressing the issue with Elan, they refused to work with me until I mention that I was filing a report with CFPB.
Product: Checking or savings account

cra violation wells fargo has caused me to bounce checks with atleast the other banks also my apartment complex giving my provisional credit and taking it back i have showed them on several occasions that my computer was stolen police reports and this still has not been fixed charging me non atm which is unfair by their practices they open up accounts before in the past and still have not settle that case How many times would they like the see the police report i sent on several several times
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, serviced by XXXX XXXX XXXX are representing fraudulent accounts on my credit report that are hurting my credit history and my credit score. I've applied to multiple creditors and I have been denied because of XXXX XXXX, XXXX serviced by XXXX XXXX XXXX. I addressed these concerns with XXXX XXXX, XXXX, serviced by XXXX XXXX XXXX and my requests for correction have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the 3 bankruptcies on my credit report several times. Transunion, XXXX  & XXXX  keep telling me that they verified them with XXXX XXXX. I have a certified letter from the Court house confirming that they do not and will never verify bankruptcies with anyone Including Transunion, XXXX, XXXX  and XXXX XXXX. By law, these credit bureaus can not report unverified information on my credit report but they refuse to remove it. This is a violation of the Fair Credit Reporting Act. Please have these bankruptcies removed : Reference # XXXX, XXXX, XXXX. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

NCA opened a collections account on my credit reports on XX/XX/19. The only reason I know this is because I have credit monitoring account. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then NCA has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with NCA. I can't find any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!
Product: Credit card

This company sold my account after stating it was a charge account. Having a third party also reporting to the credit bureau. Making my credit report have a double of the same account and with different amounts. I did not give permission to any third parties to get a copy of my credit report. This was done illegally according to the law.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices which violate the customer service and unfair practices, which violate the Consumer Financial Protect Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, this dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXXXXXX XXXX Social Security Number XXXX XXXX a resident oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately.

Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXXXXX  Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter.

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi There, After reviewing my credit report, there is some of inaccurate information reporting on my credit profile. I have reach out to Creditor as well as 3 Credit Bureaus. And there has been no response. The Creditor sent a Transaction Report but again those transactions were not mines. I am a victim of Identity Theft. I also reached out to Credit Bureau 2 months ago almost with no response. I am asking for these item to be removed that does not belong to me. 

See Attachments. 

Thank you
Product: Checking or savings account

US Bank is blaming their incompetence on fraud. 

They paid checks totaling {$18000.00} to a party that was not the payee. They have no info on which bank presented the checks or what account deposited them. 

I am out {$18000.00} because of their incompetence and they have provided no assistance in the month since I reported this.
Product: Money transfer, virtual currency, or money service

I am waiting informally expressed my concern regarding Zelle handling of dispute, partially in light of recent CFPB lawsuit highlighting significant use with the platform, despite using Zelle numerous times and reporting dispute. My financial influence in Zelle failed to investigate in my claims they informed me that recovering lost funds is impossible the CFPBs finding incident that Zelle not only neglect to protect customers, but has also allowed repeat offenders to exploit the system have leaving users vulnerable to scams
Product: Debt collection

Franklin Services is a collections company. They are trying to reach a man to collect a debt. I don't remember what they said his name is. I am a woman. I have twice spoken to representatives and told them that I am not the person they are trying to reach. Both times I was told that my number would be removed from their database, and that I would not receive any more calls. They continue to call multiple times per week from different numbers. The last time they called was today ( XX/XX/2024 ) at XXXXXXXX XXXX XXXX from phone number ( XXXX ) XXXX. 

I am not the person they are looking for. I have no past due accounts. I want these phone calls to cease.
Product: Credit reporting or other personal consumer reports

This creditor is reporting inconsistent and inaccurate data across the three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Upon reviewing my credit report, I have noticed discrepancies in the date of last activity and last reported date of an account, which vary across the 3 credit bureaus. Please refer to the attached screenshots for your review.

According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to an accurate and fair credit report. These inconsistencies in reporting not only harm my credit standing but also constitute a violation of the Act. Additionally, there was no 180-day late payment preceding the closure of this account. 

I kindly request your office to investigate this matter promptly and REMOVE THIS ACCOUNT IMMEDIATELY. Please ensure the creditor adheres to accurate reporting standards and removes all inaccurate accounts found in the process.
Product: Debt collection

This debt was dismissed for lack of prosecution. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  They sold this account to National Credit Systems, collection agency after it was dismissed. I have written National Credit Systems several times and they refuse to remove this collection from our credit report. I have even sent them a copy of the judge ruling and it still has not been deleted. This is causing us a negative impact on our credit report for the last XXXX years.
Product: Payday loan, title loan, or personal loan

i was sent a e-mail stating i was saying i got approved i just need a cosign i ask for XXXX  i was also send a promissory note
Product: Credit reporting or other personal consumer reports

I am initiating a formal complaint with the Consumer Financial Protection Bureau in response to an ongoing concern pertaining to my credit report. The crux of the issue lies in the presence of inaccurate information within my credit history, specifically, data that has no relevance or association with me. Despite my proactive efforts to address this discrepancy by reporting the incident to all three major credit bureaus, I have unfortunately encountered a lack of resolution. Consequently, I humbly request the diligent removal of this erroneous account from my credit report, as its continued presence negatively impacts my financial standing and reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor stated that late payments would be removed after account was paid. AUD was sent and you are still reporting late payments. I am demanding that Transunion update this account to paid as agreed, never late per the agreement that I had with the creditor. XXXX and XXXX are not reporting anything derogatory for this account. Please update XXXX XXXX  XXXX. The dispute letter which is dated and time stamped is attached. I highlighted the account in reference.
Product: Checking or savings account

Citibank runs promotional offers where you open an account and gets up to {$2000.00} bonus after terms were met. I opened an account using their promotional offer page on XX/XX/XXXX and deposited {$32000.00} to earn {$500.00} bonus. According to the terms of the offer, I had 20 days to deposit fund and 60 days to maintain the fund. Then after within 30 days, I receive the bonus in my account. I met all conditions by XX/XX/XXXX and I still dont have my bonus. It should have been deposited the latest by XX/XX/XXXX per the terms. I called Citibank customer service on XXXX XXXX since I didnt see {$500.00} bonus hit my account. The agent I talked to confirmed I met all conditions and should have the bonus deposited by then. He created an investigation ticket and told me to wait 5 business days. I didnt of course receive my bonus after 5 business days. So I called for follow up and other agent looked into it and told me it could take 7 business days and to wait. Of course I didnt get the bonus after 7 business days either. I called for follow up again and talked to supervisor. Again, no updates other than its processing and could take 10 business days. I have followed up 7 times and other than different answers on how long investigation takes, no help at all. 

Its been 3 weeks since I originally contacted Citibank about the promotional bonus that was already overdue at the time and still they have no answer. I have spent at least 7 hours on calls talking to different agents in the past 3 weeks and no help from anyone other than just it is in progress. I lost opportunity to invest the money I had deposited with Citibank because of them not meeting the terms. I finally took out my money on XX/XX/XXXX after confirming with agent that the bonus wont be impacted since I had already met all the conditions. 

I suspect this is a system bug and has happened to many customers of Citibank. Unfortunately bank isnt addressing the issue in timely manner and causing financial distress for the customers. Their customer service is in XXXX  and does not understand criticality of the issue or have any power to make decisions. Citibank does not have anyone I can talk to here in the US for this issue either. 

It has been so frustrating and time consuming. I think Citibank needs to be investigated for bad business practice like this where they run promotional offers but not follow through. 

I am attaching similar offer with this complaint Citibank is running right now too. Mine was exactly like this.