23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX//2024 I received an XXXX  for my XXXX. I was billed {$630.00} and subsequently paid off the debt with my HSA account on XX/XX//2024. I have attached my HSA transaction export which clearly indicates I paid my bill on XX/XX/2024 for {$630.00} to XXXX XXXX. XXXX. XXXX did not account for my paid bill and sold an incorrect debt to SCSI in my name. 

Since XXXX. XXXX sold an incorrect debt to SCSI and I have been receiving non-stop telephone calls from SCSI indicating I owe a debt that was paid off months ago. I have not received any letters from SCSI indicating I owe a debt and thus have been unable to refute the debt in writing. I do not want to contact SCSI as they have an unfriendly and aggressive demeanor and are requiring that I either contact them via phone or through a form on their website that forces me to allow SCSI to contact me via text, something I do not want. 

I have attached a few documents, the first document is the CSV export of my HSA transactions, outlining I paid XXXX. XXXX the above amount of {$630.00} on XX/XX/2024. 

The second document is another confirmation I paid from my XXXX mobile app. 

The third is an incorrect billing statement from XXXX. XXXX indicating that XX/XX//2024 I still owed the debt despite having paid it off almost two months prior in XX/XX/ 2024.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. 

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the CRRG.

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights.

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards.

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General.
Product: Checking or savings account

My wallet was stolen from me at the gym on XX/XX/XXXX. As soon as I realized my wallet was gone, I immediately went on my phone and locked all of my cards ( XXXX, XXXX and US Bank ). I went and filed a police report that same day and went to the local US Bank branch to make sure that my account was secure and to get a temporary debit card. The next morning I woke up to XXXX alerts from US Bank about deposits being placed into my account. To my surprise, the thief took my locked debit card, went to an ATM, wrote checks in my name, deposited them and pulled out the cash. They were able to do this even after I locked my debt card, which makes me believe that US Bank didnt actually lock my debit card. 

That day I spent XXXX hours between being on the phone with US Bank, the police and going to the local branch. I submitted a claim that day ( XX/XX/XXXX ) and was told that it would be resolved quickly.

I called multiple times to check on the progress of my claim, but never got a straight answer. Eventually, on XX/XX/XXXX I was informed that the claim was never actually filed, even after I filled out all of the paper work. The claim was officially opened on XX/XX/XXXX and I have spent HOURS on the phone looking for an update. I call weekly and get no straight answer. I feel that I have been mistreated and penalized for a mistake that US Bank made. It should not take over XXXX months to get this resolved. This is my money and I want it now. I need to use this money to pay my bills. This is not right, and I need to have this resolved. It was not my fault that US Bank didnt lock my card, and it wasnt my fault that they are too unsophisticated to properly open a claim. But somehow I am being treated as though it is my fault.
Product: Money transfer, virtual currency, or money service

I no longer have access to my account as its been 'temporarily disabled ' by Coinbase following a number of incorrect password attempts. I 've contacted Coinbase on the XXXX XXXX 2017 ( support case : XXXX ) asking them to re-enable my account to manage my wallet. I did n't receive a response, even after a chasing email. 

I raised another case ( XXXX ) since and received a generic response linking me to a guide to reset my password, which is unrelated to my issue ( I did perform a password reset in case this was the resolution, however it was not ). I replied to this email with screenshots of the 'temporarily disabled, please contact support ' message, but still have not received a response. 

Until Coinbase unlock my account, giving me access once again, I can not access any funds in my wallet.
Product: Mortgage

Due to loss of income I was on a forbearance plan for around 6 months with my mordgage company witch was community loan servicing, I then was offered a XXXX  XXXX covid flex modification witch I excepted and made 3 trial payments The payments were for XXXX, XXXX and XX/XX/2022 I received a letter from community loan servicing, thanking me for making my final trial period payment, and that they are working on sending my final documents to complete the permanent modification Around XX/XX/2022 my loan is sold to selene financing. I call selene and to this day they do not see any modification in there system They are not allowing me to make any payments as well as there showing 10 months past do I keep on getting the run around from. Selene. I requested a call back to speak to a supervisor 1 week ago and still have not heard back from selene I'm not sure how a loan can be sold in middle of a modification and how a XXXX  XXXX loan can be sold to a non XXXX XXXX company, I'm actually not sure if that is legal, I was always told that when my loan is sold its a change of services but its the same XXXX XXXXXXXX loan Please look into this asap as I made my trial payments and the modification needs to be honored Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX With this account I did not have late payments. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE XXXX XXXX The following personal information is incorrect
Product: Checking or savings account

They referred me to try to use their product online and not the amount telephone so now all my time that has been wasted trying to link the account together and now I will try online
Product: Debt collection

I purchased a car a XXXX  XXXX XXXX from XXXX XXXX XXXX  company, 2 months before they closed their doors forever due to filing bankruptcy and abandoning their car lots i had paid my car off, then all of a sudden i see XXXX XXXX  saying i owe them car payments, i told them i don't my car was with XXXX XXXX XXXX  and not XXXX and I'm not repaying for a car i have paid off, from that point they put it on my credit report which i disputed and Equifax and XXXX took it off at first then put it back on there and that's fraud, Equifax is reporting i owe XXXX XXXX  the total amounts of {$19000.00} and XXXX is reporting i owe {$23000.00} and this is all fraud and reporting as bad debt charge off and Equifax is reporting profit for loss, and that's fraud as well. 

At this point i can not get another loan or lease because of this fraud activity, i never had or did business with XXXX XXXX XXXX  or financial and i want my {$1000.00} dollars a day from XXXX and Equifax for allowing the fraud activity to happen on my credit profile which is totally a FCRA violation. and since XXXX XXXX is reporting profit for loss, i was never given or sent or mailed a 1099-c which is a cancellation of debt and according to F.C.R.A. section 623 ( 15 U.S.C. & 1681s-2 ) since i never got a 1099-c this is fraud not just on my credit profile, but to the i.r.s. and to the credit buraus and since i have been injured in this blatantly damaging to me and my credit i am requesting compensation of {$1000.00} a day that this fraud reporting have appeared on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate entry on my credit report related to an account with XXXX XXXX XXXX # XXXX, which was marked as a charge-off or canceled debt. This account has been reported on my credit report, and I was not issued a **Form 1099-C** ( Cancellation of Debt ) by Westlake Financial Services, which I am entitled to receive under IRS regulations. 

As per the **Fair Credit Reporting Act ( FCRA ) **, **15 U.S.C. 1681e ( b ) **, credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. The failure to provide a **1099-C** form for this canceled debt violates this requirement, as the debt was never officially recognized as forgiven or canceled without this documentation. Without this form, I have not received proper notice of debt cancellation, and as such, the information being reported is inaccurate. 

Further, under **26 U.S. Code 108**, debt that is forgiven or canceled is considered income, and the cancellation must be reported to both the debtor and the IRS via Form 1099-C. Since I have not received a **1099-C form**, I am unable to account for this debt as canceled or forgiven, and it should not appear as a charge-off or cancellation of debt on my credit report. 

For these reasons, I respectfully request that this account be **deleted** from my credit report, as it violates both **FCRA** and **IRS** regulations regarding the reporting and documentation of canceled debts. 

I appreciate your prompt attention to this matter. Please notify me in writing of your findings and the actions taken on this dispute. Should you require any additional information to process my request, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your cooperation. 

Sincerely
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX XXXX XXXX  AND XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. ACCOUNTS LISTED ARE XXXX, XXXX, AND XXXX XXXX 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Mortgage

On XXXX / XXXX I occupy XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ) through Adverse Possession from XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

On XX/XX/XXXX I filed ( Index # XXXX ) for Adverse possession at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX Contact Holding purchase the building ( XXXX XXXX XXXX XXXX ) from Ms. XXXX. During the closing the mortgage indicated it was null. The title company is XXXX XXXX XXXX XXXX. 

Ms. XXXX has large family which members intimidate me to move from XXXX XXXX XXXX On XX/XX/XXXX I filed a complaint with XXXX Dept. of Finance and on-line 311 Complaint form. On XX/XX/XXXX I filed a complaint with XXXX Sheriff Dept. ( XXXX XXXX XXXX, XXXX, XXXX XXXX ) During the bill of sale of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( last known address : XXXX XXXX XXXX, XXXX XXXX XXXX was never on sale document. 

On XXXX XXXX, XXXX Mr. XXXX XXXX XXXX went to XXXX XXXX Supreme Court stating he was the owner from XXXX and after XXXX XXXX XXXX purchase XXXX XXXX XXXX in XXXX that they were co-owner for a non-existing mortgage. 

As a result there is a foreclosure Auctions schedule foe XX/XX/XXXX at XXXX at XXXX XXXX XXXX, Rm XXXX, XXXX XXXX ( XXXX # XXXX ). 

Attorney XXXX XXXX XXXX XXXX, have a different office address listed. On court documents it stated her office is located at XXXX XXXX XXXX XXXX fl. But on internet it shows her office is located at XXXX XXXX New Jersey ( XXXX ). Mr. XXXX XXXX XXXX XXXX referee also sell property on Realtyhop and is familiar with XXXX area where Mr. XXXX XXXX XXXX lives for years. 

The property allegedly has several banks. The first was XXXX XXXX  which went out of business XXXX, FDIC ( XXXX ) is listed but their nature of business is saving and checking, and Amos  Financial LLC located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX. 

Attorney XXXX XXXX XXXX which specialized in Family law and Social Security Disabilities claims called me from Nevada ( XXXX ) stating she was never Mr. XXXX XXXX XXXX lawyer but court document on XX/XX/XXXX Index # XXXX never show XXXX XXXX or Contact Holding as Defendant.
Product: Credit reporting or other personal consumer reports

Im filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, XXXX consistently responded within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX and Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against XXXX for similar violations XXXX I request that the CFPB take action to ensure both XXXX comply with federal law and provides consumers with the necessary proof of investigation, These are the accounts that I have marked as inaccurate : 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, credit repair services, or other personal consumer reports

I have a dispute with XXXX XXXX closing my account, reopening it without my knowledge, reporting this to the credit bureaus, denying they did this even though my credit report is showing that they did, covering their tracks by re-opening my account and dropping my score for no reason. 

I have a dispute with the credit bureaus, all 3 have reported my score dropping 33 points between XX/XX/2018 and XX/XX/2018 when I checked it. 
Not one of them could tell me the event that caused it. Have yet to hear back from them and it has already been 3 weeks. 
The credit bureaus are telling me to contact XXXX XXXX, XXXX XXXX is saying it is the credit bureaus fault and in the meantime I am not getting any answers from either one. 

My credit report with XXXX showed that on XX/XX/2018 XXXX XXXX did a credit inquiry without my consent or knowledge. Subsequently the very next day they closed my account without my consent or knowledge. They have since reopened it sometime later to cover up their mistake. This is the only event that could have caused my credit score to drop. 
XXXX XXXX has denied doing this and suspiciously right after I filed the initial dispute on XX/XX/XXXX, all of a sudden I can not view this information on my credit report any more.
Product: Credit card

I am upset with Capital One credit card company regarding my account. They are charging me outrageous interest charges. They are charging unlawful service charges. I am really upset because they believed a casino ATM withdrawals that I was charges and they believed the casino and not my complaint I never got the ATM money the machines were are the blink and the managers of the casino told me they were having problems. You will see all the money from the XXXX XXXX on my statement. Also you can see all the charges that I have been charges in interest charges and other illegal service charges. I also am complaining that the balance should be made XXXX balance as I never asked for a credit line increase the company just added it to my account. I feel this is illegal because they did it so they could get more money from me and others.
Product: Debt collection

On XX/XX/XXXX, I got a derogatory hit to my credit for {$2000.00} from a company named TEK Collect. My information was sold to them by XXXX XXXX XXXX who went bankrupt and out of business at the end of XXXX My services from XXXX XXXX XXXX were never fully fulfilled by them and once they went bankrupt and went out of business, they still expected payment every month for an incomplete service. XXXX XXXX XXXX has no direct line of contact and has not had a customer service line since XXXX in order for me or their customers to contact them. There have been multiple articles posted and class action lawsuits about the company and refunds that are owed to their customers. This derogatory hit to my credit needs to be removed immediately. I have had a perfect credit score up until this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account that says it was opened : XX/XX/2017 - XXXX XXXX XXXX - original creditor name : XXXX XXXX XXXX XXXX {$5000.00} This account was not opened by me in XX/XX/2017. Seems as if when my social was compromised, someone must have created this account. 
This should not be on my credit report. 
This does not belong to me.
Product: Credit reporting 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. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX ================================== UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX. XX/XX/XXXX XXXX =================================== 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I lost my job XX/XX/XXXX and requested assistance for loan forgiveness. The company is charging me XXXX XXXX Big Picture Loans , LLC XXXX ID : Loan No. : XXXX Finance Charge {$6000.00} Amount Financed {$1500.00} Total of Payments {$7500.00} Application Date : XX/XX/XXXX Effective Date : XX/XX/XXXX ( You may get funds prior to this date ) Due Date : XX/XX/XXXX every 2 weeks Big Picture Loans , LLC XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX
Product: Credit card or prepaid card

Hello, This complaint is in regards to Citi 's refusal to open a dispute on a charge posted by XXXX XXXX XXXX XXXX for {$1600.00}. Attached is Citi 's resolution letter. 

Citi has stated in its resolution letter " After a review of your dispute, we determined that we are unable to assist you because you received the services for which you contracted. Any further attempts to resolve this dispute will need to be directed toward the merchant. We now consider our investigation complete '' Dispute Date : XX/XX/XXXX Transaction Date : XX/XX/XXXX Transaction Amount : {$1600.00} Merchant : XXXX XXXX XXXX XXXX Citi Dispute Case ID : XXXX This charge was for a reservation at Best Western Premier Hotel Royal Santina between XX/XX/XXXX - XX/XX/XXXX. The hotel did not provide services per contract / reservation. 

I have contacted Citi multiple times requesting to reopen this dispute as I believe that they have incorrectly closed it without conducting a full investigation. I called Citi on XX/XX/XXXX and XX/XX/XXXX. During the XX/XX/XXXX call, a disputes resolution XXXX said they will place a request to reopen the case. The case remained closed. On XX/XX/XXXX, another disputes resolution XXXX said the very same thing. The case continues to remain closed to date. I emailed Citi on XX/XX/XXXX and have not received a response. 

I believe that Citi has incorrectly closed the case without conducting a proper investigation. Since they remain unresponsive, I would like to ask CFPB 's help in resolving this matter. 

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

Back in 2021 at company did a hard credit check and I dont know what it is for
Product: Credit reporting or other personal consumer reports

Hello I found 8 unauthorized fraudulent inquiries on my credit report. Please help me to remove those unauthorized inquiries from my credit file.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX