23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A bill from water company was sent to collections - i do n't believe that I owe the amount, but that 's not really the issue. I called to gain info about the matter, and asked to speak on a non recorded line and was promptly refused. My additional requests to not be recorded and my desire to be assisted were also followed by insults and a condescending attitude - both not good faith attempts on the part of " rash curtis and associates ''. These actions are illegal and unfair collection tactics, and I believe that living in California I am afforded such rights as to not to be forced to waive my rights to privacy and voice recordings to clear up an erroneous collection attempt. They have threatened negative credit reporting as well and did not attempt to solve the matter. The call was ended on their part as I continued to seek a resolution and they rudely hung up when i explained i would contact your agency.
Product: Credit reporting or other personal consumer reports

This account is reporting inaccurate and incomplete information Such as the following payment history, payment amount, also this is a collection account sold to another party
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE THIS INQUIRY AND NEEDS TO BE REMOVED FROM MY ACCOUNTS. 

XXXX XXXXXXXX XX/XX/22
Product: Debt collection

XXXX XXXX from RAB Inc contacted me demanding payment for a loan stating it had been transferred to his company but refused to provide the contractual details on the debt or send anything in writing proving his right to attempt to collect the debt. He also included an erroneous email address in an email communication to me about the debt without my permission.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Account XXXX Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

Additional Details : The inaccurate late payment notations for XXXX, XXXX, and XX/XX/XXXX have caused significant harm to my creditworthiness and financial opportunities. These errors are preventing me from obtaining favorable loan terms and have resulted in undue stress and inconvenience. 

Discrepancies Identified : High Balance : Reported as {$200.00} Last Verified Date : Not provided. 
Closed Date : Not provided. 
Account Status : Reported as " Closed '' but details differ across sources.

Credit Limit : Reported inconsistently as {$200.00}.

These discrepancies and errors in reporting late payments directly violate the following laws : FCRA 1681i : Failure to ensure accuracy and to investigate disputes properly.

TILA 1666b : Failure to provide periodic statements within the required timeframe.

FCRA 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of credit report information.

FCRA 1681s-2 ( a ) : Furnishing inaccurate information to consumer reporting agencies.

15 U.S. Code 1692e : Prohibition against false or misleading representations in debt collection. 

Desired Resolution : Immediate removal of the late payment notations for XXXX, XXXX, and XX/XX/XXXX from my credit report. 

Written confirmation of the correction. 

A thorough investigation into the discrepancies listed above to ensure the accuracy of all future reporting. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I have a citi double cash credit card that I noticed fraudulent charges XX/XX/XXXX. I immediately notified citi and they cancelled the account and I was told I would receive a new card within a week. I should have received that card around XX/XX/XXXX but never did. I called for an explanation and did not receive one. Since that time the account was not accessible and the balance remained the same, with fraudulent charges and eventually I noticed it was receiving late charges. I called again XX/XX/XXXX and was told the best option would be to pay it so I did, thinking that eventually the issue would be resolved. I sent an email asking for any information and was told to call and confirm my address and that the late fees would be waived. I still have yet to receive any correspondence from citi and my money has not been refunded ( about {$600.00} dollars worth ).
Product: Mortgage

Shortly after I bought my first house in XXXX, I began receiving letters from Crosspoint Financial offering to lower my mortgage interest rate or to refinance to get my home equity in cash. The offers were not better than my current mortgage rate but were aggressive in their persistence. I ignored them until I moved to another home in another state in XXXX of XXXX. Shortly after the first letter I received that was forwarded from my home in XXXX to my home in XXXX, my wife called Crosspoint and spoke with a representative who agreed to remove my name from their mailing list. We have received another letter.

Not only is mine and my wife 's information on the Do Not Call registry, but we also spoke directly with this company to ask them to stop  harassing us.
Product: Checking or savings account

I am writing to seek help from Bank of America regarding a claim on XX/XX/2023, that has been recently closed. 

On XX/XX/2023, I visited a Bank of America ATM located in XXXX XXXX, Texas ( XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) to deposit {$1500.00} into my bank account. After I inserted my money into the ATM, an error occurred, and it printed out a receipt showing only {$1000.00}, which was {$460.00} short. Unfortunately, the bank was closed at that time, so I immediately called the number provided on the receipt to file a claim. As a result, an associate provided me with a temporary credit of {$460.00}. 

On XX/XX/2023, a message regarding the claim was sent to my bank account. However, I did not notice it initially because the message did not appear in the mobile app ; it only became visible when I accessed Bank of America through a computer. The content of the message stated, " We found the transaction you referenced but were unable to locate any record of cash or additional cash being deposited at the ATM for {$460.00} between XX/XX/2023, and XX/XX/2023. '' On XX/XX/2023, a credit reversal of {$460.00} was applied to my bank account. It was only at this point that I checked the message through a computer and realized the message sent by Bank of America, indicating that the case is now closed. 


on XX/XX/XXXX, I called bank of America ad they reopen the claim, they said they will get back to me in 3 business days, then 2 days later, they called and said there will be someone call me in the next 7 business days. it is taking so long now, and that money is really important to me since I am a college student living on paychecks and trying to pay my tuition. 
Claim ID : XXXX
Product: Debt collection

One Main : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so puzzled about this situation. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint for the 2nd time. You claim Im not the one submitting it. This to me is crazy. So Im submitting it again. EQUIFAX was not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. The accounts are as follows - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In 2012, a money order that I sent as payment to Toyota financial services was stolen by a XXXX XXXX  with the name on the money order listed as " XXXX XXXX ''. It is possible that this person worked for TFS but I'm not able to confirm that without cooperation from TFS. TFS has numerous complaints of fraud against this and at the time I had my car it was nearly impossible to clear communicate with TFS either due to a language barrier or because the customer service team was completely unprofessional, hanging up on me and doing things that were completely out of line for standard customer service practices. When I checked my payments online, they all showed paid but in the middle of the night my car was repossessed and when I did finally get to speak to someone at TFS, they stated that I was missing a specific month even though I had made payments for months after the alleged missing month. I was not able to resolve this issue with TFS and I again believe that someone from their company may have stolen the money and/or cashed it with XXXX XXXX XXXX who allowed someone to fraudulently forge over the money order that I have the receipt to. At the time I worked trade shows and events and when I went to pick up my belongings almost all of them had be stolen. There was a class action against Toyota Financial Services and I believe I should've been part of it but I never received a notice but I happen to find it online. I'm seeking damages in the amount of {$40000.00}.
Product: Checking or savings account

I placed an order off XXXX. They used XXXX  as the shipper. XXXX marked my package as delivered and the photo of delivery was inaccurate. XXXX later intercepted the package again and the delivery notification was taken off and on the tracking it said we have your package we will contact shipper for the next steps so I contacted XXXX and the package not being delivered and the delivery time frame had passed. They said they couldnt do anything because the package had been marked delivered already when clearly it had been unmarked. I later contacted Navy federal to whom was my bank for this transaction I submitted a dispute with all proof of no delivery and proof that XXXX lost my package. Navy federal denied my dispute within 2 days. Now Im out of my merchandise and my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Kansas XXXX XXXX Acct # XXXX and XXXX XXXX XXXX  XXXX, have 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 reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that is not mine I have tried sending letters and disputes to the bureaus and the furnishers and I have got back nothing. 

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

This complaint is to the Credit bureaus. I have disputed this information multiple times with no change. I have sent in my ID Social Security Card as well as police report and Experian has continuously stalled me. I would like your help in getting this matter investigated and removed immediately. My personal information has been used repeatedly used and my identity is compromised. Please help Experian is reporting incorrect and fraudulent information in my name which has severly hindered me. I am not responsible for the following accounts. 
XXXX XXXX XXXX XX/XX/2020 -This account is ridiculous. There is no payment history and no notes on this account. It just shows a collection which I have no idea came from. I have disputed this account explaining that I have no knowledge of this account. I have asked for proof of my signature when applying for this account. I have had no such luck in fixing this issue. 

XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX I have continuously explained that I have no knowledge of this account. I have never opened this account and I dont understand how it is listed on my report. This account is also fraudulent. 


XXXX XXXX XXXX XXXX XXXX XXXX I have never had an account with XXXXXXXX XXXX XXXX I reached out to the company directly to ask for proof and to explain that this is fraud and they were suppose to investigate and remove. It has been years with no change. The account has no history or usage on any devices fraudulently purchased yet I have had no help it removing this information. 

XXXX XXXXXXXX bankruptcy XXXX have only filed a XXXX XXXX  bankruptcy in the past. Which has already been removed after 7years. I have repeatedly reached out and disputed this information with the credit bureaus as well as the bankruptcy court on how this misunderstanding needs to be fixed and removed immediately. 

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

on XX/XX/2022 Nationwide recovery system reporting inaccurate information on my credit several times in the amount of XXXX to my knowledge i have not received service from this company and would hope they remove this information from my credit report
Product: Credit card

Barkley Bank Delaware refused to accept my claim of identity fraud and the account was opened fraudulently by someone using my personal information even though I provided proof of identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my email was hacked and my credit report was hacked. Although I am a XXXX XXXXXXXX account holder a fraudulent inquiry was made on XXXX of 2022, I did NOT authorize this inquiry. The inquiry is fraudulent and XXXX XXXX has promised on several occasions to remove the XX/XX/2022 inquiry but have failed to do so. The XXXX inquiry is fraudulent and violates the FCRA. The credit reporting agencies have refused to remove the inquiry as well.
Product: Debt collection

I have XXXX frauds : XXXX XXXX XXXX XXXX XXXX. It happens about the same time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : they send me the bill through CREDENCE on XX/XX/XXXX. From the bill, they state that I owned them {$1100.00} from XXXX XXXX. I disputed them and they sent me the file and need me to fill out. I did that and also reported to police that I have not have any account with XXXX XXXX XXXX and have not own them any money ( police email back to me need more info, but besides bill from XXXX XXXX XXXX on XX/XX/XXXX, I have not any bill or statement from XXXX XXXX XXXX before XX/XX/XXXX. 
XXXX ) XXXX : they send me the bill for period XXXX XXXX XXXX XXXX XXXX. I did call them 2 times and tell them this is not my account, and I and my wife ( same address ) have not have any account with them. I also chat online with them ( i have record online chat with them ). But they still continue send me the bill. 
I think that I got fraud, some XXXX used my information to have account with XXXX XXXX XXXX and XXXX.
Product: Credit card or prepaid card

I've sent Grain Technology multiple correspondence to which they've failed to respond.
Product: Credit card

I am filing a formal complaint against Discover Financial Services for their failure to properly process my payment, refusal to recognize a valid billing dispute, and subsequent adverse actions against my account. On XX/XX/XXXX, I submitted a registered security payment to Discover, accompanied by a letter instructing them to credit the payment to my account. On XX/XX/XXXX, Discover received my payment for amount {$5500.00} via registered mail ( Tracking XXXX XXXXXXXX ). Despite acknowledgment of receipt, the payment was never applied to my account. On XX/XX/XXXX, I sent a letter to Discover requesting the status of my payment and a full XXXX accounting of my account to determine the whereabouts of the funds. However, on XX/XX/XXXX, Discover responded in writing, stating that they only accept payments in XXXX dollars, failing to provide any details regarding the misapplied funds or any requested accounting records. Subsequently, Discover began declining transactions on my account, despite it being in good standing, without providing any explanation. On XX/XX/XXXX, I contacted Discover to resolve the issue and requested that my account be placed under billing dispute in accordance with their terms and conditions. I provided all required information, including my account number, the dollar amount in dispute ( {$5500.00} ), and a detailed description of the problem. However, Discover refused to initiate the dispute process
Product: Payday loan, title loan, or personal loan

A loan offer of {$300.00} was extended to me online but to accept the loan it required me to authorize automatic debits from my checking account. I did not accept because I wanted to make payments manually instead. The lender called me and asked if Id like to accept the loan offer and I said yes, but only if I can accept it without authorizing automatic payments. The person said that was not an option and then told me nevermind, it looks like we wont be able to offer you a loan. I will attach copies of the emails I received where they at first offered me a loan and then later denied the loan after I had spoken with the company about declining automatic payments.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulents account. Thank You. 
XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN
Product: Credit reporting or other personal consumer reports

I have sent a debt validation letter several times to XXXX XXXX to validate the information it has placed on my credit report. 
I also disputed with the XXXX primary credit reporting companies Equifax, XXXX and XXXX to have this item removed from my credit report. 
I am writing to formally dispute the accuracy of certain information on my credit report. According to my records, there is a negative item that has exceeded the statute of limitations for reporting, and I request its removal. 
The specific item in question is an installment payment account XXXX XXXX
Product: Debt collection

XX/XX/ {$1300.00} credit report dropped drastically. National Credit adjusters
Product: Mortgage

I have just today received the attached letter today dated XXXX stating that Chase has validated selling my home on XXXX XXXX, XXXX without any mention that this fake account has many illegal issues including XXXX XXXX involvement their Own Account Number as shown on my credit reports dating way far back is # XXXX. This is not only an Unvalid foreclosure sale but also a fraudulent attempt to steal my home of 33 yrs. Also there has never been a mention of my putting down near XXXX in XXXX of XXXX as well as payments based on Estimates which in themselves are illegal. In XXXX of XXXX my document expert proved within her 183 5B Affidavit to not only be photocopied but also forged Both Mortgage And Promissory Note documents. There are many different versions of both of these fake documents within the CFPB files of my complaints. This 1099-A is just another situation of tax evasion of an illegal sale. I the homeowner am not the profiteer but JP Morgan Chase Bank and whomever claims to own my home. I have not as yet received anything in the usps mail telling me of this sale or transfer of my home title which again is all fraud. This 1099-A is TAX EVASION by Chase. I will once again be contacting the IRS in regards of this criminal act!! as I did in XXXX when the last 1099-A was illegally stated and Rescinded!!! XXXX XXXX will also be receiving a problem with this illegal attempt XXXX time to sell my home with photocopied forged documents. THIS IS FULL BLOWN CONSPIRACY FOR PROFIT IN MY BELIEFS AND EVIDENCES WITHIN CHASE/XXXX XXXX CRIMINAL ACTS AGAINST ME. I am XXXX yrs old, XXXX, indigent with only a high school education being targetted by this insanely criminal maniac for profit by trying to illegally steal my home. This fake account was removed from my credit report on XXXX which is no more due to fraud!! please see attached credit report page showing XXXX XXXX and date of account removal. It was removed before this illegal foreclosure sale in XXXX of XXXX!!
Product: Credit reporting or other personal consumer reports

Hello, THis company has reported me to the credit bureaus as being 120 days past due for just {$40.00}. 

First, All my loans are in forbearance and XXXX I did not even know I owed {$40.00} for this loan. This is ridiculous and unfair and dropped by credit score by XXXX points. 

I am a teacher and am asking for loan forgiveness for XXXX and This loan was also paid off and forgiven. 

Also, when I log onto the website to even see my debt there is no information where to send a payment as there is no " collection '' agency listed. 

these are unfair and deceptive practices under the FCRA and Also Fair Debt Collection practices act. 

I would like to have this collection removed from my credit report IMMEDIATELY. THIS LOAN WAS PAID IN FULL {$1200.00} and these {$40.00} are fradulent and uncessary fees and has nothing to do with the LOAN ITSELF!!!!!!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXXXX/XX/year>
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 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.