23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Have a credit card from XXXX opened in XX/XX/XXXX. XX/XX/2017 Had issues from the start : Transactions denied, online website errors etc.. 
I initiated numerous calls whereas representatives could not provide reasons, there was tremendous inconsistencies. 
After having a dispute with a fraud investigator my account was immediately restricted. 
Denied more transactions and more calls. Fraud investigator XXXX tried to convince me that a few cards have problems with addresses and requested proof of address along with my passport. 
XXXX is not aware that my daughter is an it tech specialist and one of the best. She had a scholarship to XXXX years ago and is very familiar with security systems. My daughter informed me the reason XXXX claimed can not be accurate. 
PLEASE LISTEN TO THE CONVERSATION ON XX/XX/XXXX with XXXX I was denied use of my XXXX card twice in last few days. I have answered over a dozen security questions, some going back over 10 years correctly, I have provided my Drivers License, passport, 2 utility bills and business credit card statement from XXXX. All my information is confirmed by every credit bureau and through a XXXX search, However and somewhat incredibly XXXX bank continues to claim I am not who I say i am. 
Convinced that untrue statements were deliberately provided to me and more convinced whatever ridiculous issue is theorized, it is based either on discrimination or employee retaliation. Both of which violates the contract I have with XXXX, which was is a contract of adhesion. 
I go to anywhere on this planet and enter any country with the information I have willingly provided. 
Therefore, if XXXX continues to hold their claim that I am not XXXX, they can not report this account to the credit bureaus as belonging to XXXX and there is no obligation to pay for any balances.
Product: Debt collection

They show status of debt as charged off which means they would have filed a 1099c and charged off the debt and they did not send me a copy of cancelation of debt so I could claim it as income. They are filing inaccurate info on my report false and misleading statements and causing me harm.
Product: Debt collection

I checked my credit report and verified that this account that I'm reporting to delete and block is still reflecting on my credit report and its affecting my financial credibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ).

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

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

Equifax has not been updating my account. They are reporting my XXXX XXXX at XXXX Compared with XXXX XXXX at XXXX and XXXX XXXX they are way behind on updating info. 

The loan balance from XXXX XXXX XXXX XXXX has not been updated since XX/XX/2023 and the balance has dropped by {$2800.00} and has never been updated to reflect that. The current balance owed is {$3500.00} The loan balance from XXXX XXXX XXXX XXXX XXXX has dropped by {$4300.00} on XX/XX/2023 and has never been updated to reflect that. 

" On XX/XX/2023, your XXXX XXXX XXXX XXXX student loan account balance decreased by {$4300.00} from {$8900.00} to {$4500.00}. '' Here are the following accounts that have been disputed and removed by XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Removed from report on XX/XX/2023 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Removed from report on XX/XX/2023 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Removed from report on XX/XX/2023 ) They also have some personal info that is not correct as well. They have a FORMERLY KNOWN AS name of XXXX which is not me. 

Equifax dropped my credit score by XXXX points for absolutely no reason. No other reporting agency has ever done that. 

There are also some of the same discrepancies in the XXXX report. I am attaching all related info and notices of removal from the report or updated info. 

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Thank you for your help.
Product: Debt collection

This is regarding a Debt for a credit card. 
I was not aware of a lien placed over my property, when I tried to refinance to be able to get out of some debts, then is when I found out that I have a lien ; I could not refinance until the lien was off the property, so I contact the debt collector agency, Aldridge Pite Hann, LLP, on XX/XX/XXXX, I spoke with XXXX, I tried XXXX to get information on the debt ; she told me that the original debt was for {$13000.00} for a XXXXXXXX XXXX XXXX handled by XXXX XXXXXXXX XXXX ; and that debt now raised to {$22000.00} due to an interest placed on it. I asked her to please reduce my debt to the original to be able to refinance and thus pay other debts. but she told me that it was not allowed it. ; I request to speak with XXXX XXXX, she told me that she will transfer the call but he/she may not be available ; so I left a message with my petition, file # and all information needed, but I never received a call back ; so I had to pay them the {$22000.00}, the check was sent to then by the refinance mortgage company. 
I am complaining because I believe that, first the interest was too high ; if I would not refinance, that debt would keep increasing and at the end they would be taking all the equity on my house ; I think they are not fair at all to try to help the consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
DEPT OF EDXXXX XXXX Balance : {$28000.00} DEPT OF ED / XXXX XXXX Balance : {$28000.00} DPT EDXXXX XXXX Balance : {$28000.00}
Product: Mortgage

Had a mortgage with XXXX. No escrow. Property was rezoned to require flood insurance. Purchased same as directed and have maintained policy to XXXX 's satisfaction. No issues, no problems, no escrow. Mortgage was sold by XXXX to new company called The Money Source, or XXXX. XXXX has now told me that my own policy for flood does not fit with or comply with their parameters and that they will need to establishment an escrow account for my property, which never existed under my previous lender. I've been told this is not legal for the new mortgage company to enforce. Please advise!
Product: Debt collection

Leave repeated messages harassing myself and my wife by threatening to appear at home or work and to be ready. Uses a very aggressive tone and claims to be visiting to as part of a civil lawsuit, however, Clerk of Courts searches did not reveal any pending litigation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. I have been both sender and receiver. I have used Zelle since 2017 but can not access other transaction to provide due to phone number change.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acima XXXX is incorrectly reporting a late payment was made on this account. 

I made a payment via their website in XXXX and the website confirmed a payment was made. Apparently there was a technical glitch on their website and the payment was never successfully processed. I, however, was not notified. Acima then reported the payment as 30 days late to XXXX Credit Bureau. 

I reached out to Acima XXXX and they stated there was no technical glitch and left me on hold. 

This account has since been paid off in full.
Product: Debt collection

Despite my request for validation pursuant to the FCRA, Toyota Financial Services has failed to provide any response. Under 15 U.S.C. 1681s-2 ( b ) of the FCRA, Toyota Financial Services is prohibited from reporting on my credit profile while the account is in dispute without including a notice of the dispute. Nevertheless, Toyota Financial Services continues to report inaccurately, which is severely impacting my credit rating.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I entered into an agreement with Midland Credit Management ( a debt collection agency ) to pay off the credit card debt ( {$880.00} ) I had from XXXX XXXX Bank. The original account was charged off in XX/XX/XXXX. 
MCM and myself contracted for me to make {$90.00} payments weekly, with a XXXX time payment of {$200.00} on XX/XX/XXXX, making my last payment of {$53.00} on the XXXX of XXXX. I made my first payment to MCM on XX/XX/XXXX, and others on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I would have paid the final payment the same day, but they had not finished processing the {$90.00} scheduled payment, so I deferred payment until XX/XX/XXXX, but they didn't process it until XXXX days later. 
I have fully paid off the {$880.00} balance, however, XXXX reported to the credit bureaus TODAY ( XX/XX/XXXX ) that I still have a {$140.00} balance to pay off. MCM has not sent my paid off letter, has not reported that payments have been made, only that the balance has decreased, and even there, they have reported falsely twice since I initiated contact with them. In XXXX they reported I had a {$220.00} balance still, but at the time, it was already down to {$140.00} still owed on the account. What's more is that I was directly refused any type of receipt of payment from MCM, from XXXX different agents. They use false names over the phone as well, XXXX XXXX, I would imagine, is capable of speaking proper English in dialect that reflects the culture of the name, I find it hard to believe that a XXXX woman would be named XXXX, much less use the surname XXXX, as if it were from a cartoon. I am unsure what to do in this instance, as this is greatly effecting my chances for approval on a XXXX  XXXX XXXX, and i desperately need the XXXX points added to my XXXX for payment in full. I have included the original account and amount, as well as screenshots from my banking websites that show the payments made to MCM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the below-listed problems be fixed several times. The  Credit agencies and letters and telephone calls in vein to the Company reporting the trademarks in error. Every trademark being reported has errors listed, Th e most serious, is  XXXX , and   XXXX   XXXX   XXXX    XXXX . They are reported as being in collections, payment status is still listed incorrectly today. The Trademarks have been paid in settlement and paid in full,  XXXX /2015, respectively . See Attched  documents : There are  XXXX  more Trademarks with issues listed on each Credit report.   XXXX   ENCL 1 : Disputed items ENCL 2 : Copy of how I want item fixed ENCL 3 : Le tter, Payment etc. Bach-up documents for my claim
Product: Mortgage

This is a continuation of XXXX " XXXX ''. CFPB closed that complaint. This matter is unresolved. Bank of America has provided NONE of the requested information or actions. I am attaching my response to their response on this complaint.
Product: Credit reporting, credit repair services, 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 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 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 card or prepaid card

I purchased an item from XXXX XXXX on XX/XX/XXXX and did not receive a statement until XX/XX/XXXX and it had late fees and an interest charge. I called and told them I had not received a statement and they waived the late charge, but I paid the interest and the payment on XX/XX/XXXX with my debit card over the phone. I have bought nothing with this card since then. I have had no correspondence with them since XXXX of XXXX. On XX/XX/XXXX I receive a bill from Comenity Bank for {$96.00} and it is nothing but late fees and interest charges. I call on XX/XX/XXXX and talk to XXXX and she tells me she will waive the late fees, but I will have to pay the interest of {$11.00}. I did not want to do it over the phone and was going to do it online so I would have a time stamp of payment. The only way to do that was with my checking account and I was not giving them that information. I called back and got XXXX and now it is {$15.00} that I owe, and he will waive the late fees. I am frustrated and pay it and ask for this card to be cancelled. I look online and my payment is pending yet I did this on XX/XX/XXXX and it did not show up on their site as paid until XX/XX/XXXX, but shows on their site as XX/XX/XXXX and all the other charges are still on the account. I call back and get XXXX XXXX and he want to know if I want to make a payment. I explained it all to him again and he says he will take care of it and I told him I wanted this card cancelled and he said he had put in a request to do so. I told him I better not get another bill and he said I would and there would be a {$1.00} charge and to call back and he will take care of it. This is a never-ending problem with this credit card. I paid {$15.00} I did not owe. This company is stealing from its card holders
Product: Student loan

I started taking out loans to pay for my XXXX in XX/XX/XXXX. At the time, I was a XXXX XXXX XXXX. It wasn't until a friend told me about the XXXX Loan Forgiveness in spring XX/XX/XXXX that I knew that I even qualified for forgiveness. On XX/XX/XXXX, Great Lakes acknowledged receipt of my XXXX loan forgiveness application. While I received a {$5000.00} forgiveness payment on XX/XX/XXXX ( and am awaiting word on the other {$12000.00} ), I was never told by my loan company about either the XXXX Loan Forgiveness Program or the Public Service Loan Forgiveness Program. I can not even begin to calculate how much money I could have saved ( including thousands in interest ) if I had know about this program earlier. Now, I am having such a difficult time paying for the loan, that I need to go into forbearance for months at a time ( since XX/XX/XXXX ) due to the high payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX BANK XXXX of XXXX XX/XX/XXXX ''
Product: Debt collection

I got an alert on XXXX XXXX about a collection account in tune of {$9200.00} in XXXX of XXXX owed to original creditor : XXXX XXXX XXXX XXXX XXXX . 

I called to dispute but nobody would talk to me. 

Someone in Massachusetts is using my SSN to rent apartment and utilities. I have never been to Massachusetts or California or its suburbs I leave in XXXX Florida for th longest. I have a fraud alert on my credit report so please do not grant or extend aid to anybody under disguise that its me.
Product: Student loan

I've requested the company provide with me all copies of signed loan documents regarding this loan as I don't remember taking this loan out and might have been a victim of identity theft with this loan. The company continues to harass me and charge me a monthly loan payment for this loan. The company continues to report this loan to the credit bureau dispute my request for validation of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX  Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In lieu of sending appropriate documentation to EXPERIAN, EXPERIAN refuses to comply with FCRA guidelines in consumer reporting. consumer violations 602, 603, 604 of 15 usc 1681. see attached
Product: Debt collection

I have been for several months, since XX/XX/2017 been attempting to resolve a debt. When I started receiving phone calls I finally called original company regarding the debt who instructed to me contact XXXX XXXX XXXX XXXX First they refused to send me another notice of Debt stating they are only required by law to send me one. I advised them they sent it to the wrong address and all correspondence goes to XXXX XXXX XXXX I got tired of dealing with their customer service snarkyness, after several attempts I was finally able to reach a manager. He then sent me out the notice to my POBOX however there is nothing on the Notice of Debt to explain how to make a payment. Once again about the XX/XX/XXXX time ( which I have cell phone bills to prove it ), I called them back and stated I needed a statement, something in writing to explain how to pay the debt. The rude customer service person stated her company is not required to send out a notification explaining how to pay the debt, they only had to inform me there was one. She invited me to pay over the phone - advised not an option, told me to pay online - I informed her I needed to mail it with a money order and she still refused to send a statement with an  explanation how to pay. This company fails to understand people have rights and there is a formal process in to collecting a debt. They are the most unprofessional and rudest individuals I have ever met in my entire life. I can provide notice of debt and you can see there is no information how to pay the debt.
Product: Credit card or prepaid card

On XX/XX/XXXX, I logged into my Bank of America account even though I had paid the entire bill the previous month, and was surprised to see a balance due of {$28.00}. The sum, {$27.00} late fee plus {$1.00} interest charge, was due to paying 3 days late. What I must have done is scheduled the payment for when the promotional period expired, XX/XX/XXXX, instead of when the payment was due, XX/XX/XXXX. 

Every person with whom I spoke informed me that their system would not allow the late fee to be waived, an assertion I found surprising but seemingly legitimate after talking to numerous people. One supervisor claimed the fee was required by law ; he gave the impression that it also could not be removed. Things got really absurd when he acted as though he caught me in a lie when I told him that I had a late fee removed by another credit card company years ago. No, I am not in the habit of paying late, as he should have been able to see from my records. 

Anyhow, Bank of America 's action has made it abundantly clear that I am not the type of customer they want or need, so I am glad to be paying any future fees to other institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had a XX/XX/XXXXXX/XX/XXXXcredit card. They are Reporting a {$1000.00} XX/XX/XXXX credit card on my credit without my knowledge I never applied for this card nor did I use this card this is completely fraudulent I asked them to remove it and they have not it is completely demolished my credit
Product: Mortgage

I attempted to pay my monthly mortgage payment of {$1800.00} to SLS by phone today, XX/XX/2018, and the automated service rejected my account number on 5 different calls from me. I then called every number I could find and I got the same recording stating that " our office is closed for a company meeting. Please call back in 30 minutes '' on each different line! I kept trying throughout the afternoon and NEVER got through! 
I have paid my mortgage on time for 13 years and I'm very concerned about this! Today is Friday so that means I can't get through to SLS until Monday, putting me in the penalty zone for late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

They agreed to delete and instructed me to file a dispute directly with the credit bureaus. I did that on two separate occasions. It deleted from XXXX but not from XXXX and XXXX. I disputed them twice and both times they still remained on my credit report. I am currently under contract to purchase a home and my interest rate is directly affected by this since this account dropped my credit score by over 80 points. I would like to request that they submit a request to the credit bureaus to delete this account from my credit reports.