23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received notification of a debt that I did not recognize, from a company I did not recognize, with an amount that I did not recognize, on XX/XX/2022. I responded to the letter within 30 days on XX/XX/2022 through certified USPS mail, disputing the amount of the debt and have not received any information about this collection statement. The collection company, LVNV FUNDING LLC, not only reported the debt on my Credit report on XX/XX/2022 without responding to my dispute, they also reported false information on my XXXX and XXXX credit report, and did not list the alleged account as disputed. 

On XX/XX/2022, LVNV FUNDING LLC, reported incorrectly to XXXX and XXXX that I " opened '' an account with their organization on XX/XX/2022, when I didn't even learn about this information until XX/XX/2022. As I mentioned, this information was disputed through certified mail, copies are available, and there is also no mention of the account being disputed on my credit report. I have also disputed the amount of the alleged debt and they are therefore, violating credit reporting laws stating incorrect information on my public records.
Product: Debt collection

On XX/XX/2023 I received an email about an outstanding balance on my XXXX XXXX account that I owed. Since it was a chaege I was not familiar with I looked through my account and didn't find anything. My next step was to contact XXXX directly and ask ahout the details of the charge. They told me the charge could not be found in my account and that i should ignore the email. I kept getting email and phone calls so I contacted XXXX through their chat services on the XXXX app and they told me once again that the charge could not be found on my account and that it would be a potential scam, so I should ignore it. On XX/XX/2023 a letter was sent to my address about a debt collection with IC System XXXX XXXX stating that XXXX sent them my overdue balance to them for collection. At this time I contacted XXXX again and they said the charge is not found in my account. Finally, they reassured me that my account is in good standing so this charge does not belong to me. I do have messages from the chat and an email I received as confirmation for proof that the charge is not on my account as well, if they are needed.
Product: Credit reporting or other personal consumer reports

I am disputing a hard inquiries on my credit report initiated by XXXX, XXXX, and XXXX which occurred on XX/XX/XXXX. These inquiries were conducted when I applied for financing for a vehicle. Despite my legitimate need to secure transportation for my family, the application was denied, and the inquiry remains on my credit report. 
Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b ), consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer. As the consumer, I am the lawful owner of my credit information, which means any entity seeking to access or use it must do so with explicit authorization and solely for permissible purposes. 
XXXX, XXXX, and XXXX, as data furnishers under the FCRA, have a legal obligation to ensure that credit inquiries are conducted in compliance with this law. The continued presence of these inquiries on my credit report, despite the denial of credit, raises serious concerns about whether my credit report was accessed properly and for a permissible purpose. Additionally, the handling of my personal information by these companies may violate the Privacy Act of 1974, which mandates that personal data be accessed and used only for legitimate and authorized purposes. 
The denial of credit and the resulting inquiry have caused significant harm to my family and me, and I believe my rights under these federal laws have been violated.
Product: Mortgage

The last 2 modification where not received I had an authorized representative BECUSE I was out of the USA at the time he is a licensed realtor he wrote a letter saying he did not receive the XX/XX/XXXX dated modification before it expired with a 14 day requirement to accept. ( Turns out the Bank mistakenly mailed the mod. Offer to the wrong address not the representative. The second Modification dated XX/XX/XXXX was not mailed UNTILL for 39 days after the date of the offer. It had a 14 day requirement to accept but was not received at my representative office UNTILL well after it expired on XX/XX/XXXX. Even after the first due date of The trial payment The bank is now forgetting the correct history of the 2 errores and now saying I must pay in full or have Forclosure on XX/XX/XXXX. 
This is there fault. They say that can only offer 2 mods in 1 year. But both offers expired before we received them. My representative has put this in writing so have I. I need ti bank to accept my new application - also the bank continues to have an active sales date during the application process, appeal time and even after an approved offer This is in violation of Dual Tracking Thanks
Product: Debt collection

Waypoint Resources Group claims they are collecting {$240.00} on behalf of XXXX. They show my first date of delinquency is XX/XX/2020. I have provided my bill from XX/XX/2020, that shows I was not delinquent. XXXX confirmed I do not nor have I ever owed them money. Waypoint Resources Group is fraudulently trying to collect a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory account alert from Experian through XXXX on XXXX XXXX on XX/XX/XXXX regarding an outstanding payment for {$600.00} to XXXX XXXX. Another alert was received from Experian regarding same severely late payment Of {$600.00} and derogatory account again on XX/XX/XXXX. Credit rating has now dropped over 40 points from 780+. I have never had any accounts, interactions or dealings with this company, XXXX XXXX XXXX, and therefore have no outstanding or late payments. Have not received a single alert or notification from XXXX XXXX XXXX itself regarding any derogatory account prior to reporting it as such to Experian as I have no accounts or monetary dealings with this company. Fraudulent activity reported to Experian and disputed on XX/XX/XXXX. Credit alert placed on credit report through Experian at this time. Numerous consumers have reported these same fraudulent experiences with this company XXXX XXXX XXXX.
Product: Mortgage

This complaint dates back to last XX/XX/XXXX during a loan modification which was done with XXXX ( Account # XXXX ) my previous loan servicer this was after a 2 month forbearance after Hurricane Irma. They had indicated a shortage to my escrow account in the loan modification documents. I was provided different information every time I spoke on the phone with a XXXX   representative. One would say I had an overage, others would say I had a shortage. The modification documents indicated at {$1900.00} shortage. I called, I emailed and wrote letters, I requested a Escrow review of my account in XXXX and XXXX and was told one would be done. They kept delaying and I finally had to sign the Modification documents on XX/XX/XXXX under duress otherwise the Modification would be withdrawn. No review of my escrow was ever done by XXXX, I discovered what appears to be an error when I reviewed the two Escrow Disclosure statements from XXXX for XXXX and XXXX. The Escrow balance for XX/XX/XXXX shows an actual escrow balance of {$2200.00}, the next statement shows a XXXX actual balance for XXXX, a difference of XXXX when only XXXX should have been withdrawn from this account to pay for the monthly mortgage insurance. I have recently contacted by phone and email to XXXX and they have not responded. 

In XX/XX/XXXX my loan servicing was transferred to Mr Cooper ( Formerly Nationstar Mortgage. ) ( Account # XXXX ). Mr Cooper did do a escrow analysis in XXXX of XXXX. That analysis was completely mishandled and they indicate a shortage of XXXX in my account. Even though my account is currently at a XXXX deficit as of XX/XX/XXXX. Their major errors was their analysis to my Hazard insurance and Morgage insurance. They indicated the Hazard insurance was XXXX last year ( when it was actually XXXX ) and this year the correct amount of XXXX. The Mortgage insurance they again misquoted last year at XXXX ( the actual was XXXX ) and listed this year the correct amount at XXXX so they are showing a difference from last year to this year of XXXX increase. This is totally wrong. They are demanding the difference be paid in a lump sum or have my monthly payment increased to cover the shortage over a year period. I have contacted Mr Cooper by phone on  XX/XX/XXXX and was told someone would look at it but no one from their Escrow will call, just an email. I have also sent a letter stating the error. The new charges will be taking effect in XXXX so something needs to happen quickly. The simple facts are that my Hazard insurance has gone down from XXXX to XXXX. My taxes did go up from XXXX to XXXX, so the net effect of the two is only XXXX. I am already paying one shortage based on XXXX miscalculation and that was to be spread out over 5 years. 
I want both XXXX and Mr Copper to correct the errors made to my escrow account and have XXXX send the deficiency to Mr Cooper post haste. I want Mr Cooper to revise the shortage based on all of this information. 
Contact Information : XXXX : XXXX XXXX XXXX XXXX, NJ XXXX Phone XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. XXXX, Tx. XXXX Phone XXXX
Product: Credit card or prepaid card

I have a promotional balance ( no interest for 18 months ) on my Best Buy card through Citi bank that ends in XX/XX/2021. My minimum payment due for my account for XXXX was {$28.00}. On XX/XX/2021, I made a payment of {$78.00}. Of that, {$28.00} satisfied the minimum payment due of {$28.00}, and the additional {$50.00} was applied to the promotional balance. After that payment, my promotional balance was {$73.00}. So, on XX/XX/2021, I made an additional payment of {$73.00} to pay off the promotional balance. However, Citi only applied {$45.00} of that to my promotional balance. When I contacted them, they claimed that I had to satisfy the minimum payment of {$28.00} on my account first. I explained that my XX/XX/XXXX payment had already satisfied my minimum due. They agreed and said they would correct it. It is now XX/XX/XXXX and it still has not been corrected. I've made 4 phone calls to Citi about this and each time, they promise they will fix it, Today, I was transferred to a manager who told me she disagrees that my minimum payment of {$28.00} had already been met and that I have to pay an additional {$28.00} to pay off my promotional balance. I clearly already satisfied my minimum due with my payment of {$78.00} on XX/XX/2021. But they are now trying to make me pay {$28.00} more than what I really owe on my account. And in XXXX, I will be charged 18 months of interest on that promotional balance, even though I already paid it off!
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 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 finding indicate that Zelle has not only neglected to report offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safely
Product: Credit card

It 's been very difficult working with this bank. 
( 1 ) As you may have on file, I previously reported their unfair fees and penalties to your agency. Your agency helped me with this. 
( 2 ) It 's been months, if not years, that their online payment system has been strange. It used to ask questions that were nonsensical. I finally called them to get things straightened out, and made a payment online. However, they said it was entered with the wrong information. They never proved it. It may be fraud. Yes, they charged me penalties. 
( 3 ) Most recently, their business changed in some way, and the minimum due increased by about 50 % ( from {$59.00} to over {$90.00} ). I barely use the card. Today, I spoke with XXXX XXXX, and she said that my previous payments of {$59.00} ( the automated system 's minimum due ), had been too low. I was following what the automated system said. Most importantly, Their online system has been so messed up that I had to phone them in order to pay my bill.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2025 Equifax LLC, Subject : Equifax Complaint Regarding Violation of 15 U.S. Code 1681a Dear Equifax LLC, I am writing to formally express my outrage and dissatisfaction regarding your blatant violation of 15 U.S. Code 1681a, which defines important terms and responsibilities for consumer reporting agencies like yours. 

As you are undoubtedly aware, the Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies provide accurate and fair information about consumers. The definition of a " consumer report '' clearly states that any communication of information regarding a consumers creditworthiness must be used appropriately and ethically. However, it has come to my attention that Equifax has failed to uphold these standards, impacting my credit report and subsequently my financial standing. 

The inaccuracies in my credit report, which I have previously brought to your attention, are not just mere clerical errors. They reflect a serious disregard for the responsibilities outlined in Section 1681a. Such negligence is not only unacceptable but also potentially damaging to my creditworthiness and personal reputation. The consequences of these inaccuracies extend beyond mere inconvenience ; they affect my ability to secure loans, obtain housing, and manage my finances effectively. 

I demand immediate corrective action to rectify the erroneous information in my credit report. Additionally, I expect a written explanation outlining the steps you will take to ensure that such violations do not occur in the future. Failure to address this issue promptly will leave me with no choice but to pursue all legal remedies. 

I expect a response within 5 days of this letter. This situation requires urgent attention, and I trust that you will handle this matter with the seriousness it deserves.
Product: Credit reporting

hello equafax continues to refuse to delete inquiries on my name that i never applied for also they deducted XXXX points off my score for no reason
Product: Mortgage

I am being foreclosed on XXXX XXXX 2015 and Ocwen will not accept my Loan Mod documentation they direct me to email to XXXXXXXXXXXX but the email does n't work every time I send a email it bounces back and reject the documents that ocwen requires to approve a loan mod which means they wo n't even consider the loan modification
Product: Money transfer, virtual currency, or money service

I was a victim of a fraud and wired {$110000.00} from my TD bank account. I asked the bank to cancel the wire the next day and refund the money to me. The bank did not take immediate actions despite multiple calls and visits to the branch to alert them that this wire was a fraud. The bank is now claiming that the matter is out of their hands and they can not do anything further to restore the matter. 

The wire was sent through the branch in person on XX/XX/2022. I was threatened over the phone while I was making this transfer, I had my headphones on, and was talking to the scammer the entire time. The bank didnt warn me or ask me any questions and went ahead to process the wire. There was no call back from the bank to verify the legitimacy of the wire either.
Product: Credit card

My wife and I have ( for many years ) a XX/XX/XXXX, issued by CitiBank, Payment Address : XX/XX/XXXX XXXX XXXX XXXX XXXX, KY XXXX We are highly suspicious that since XXXX, XXXX, XXXX XXXX XXXX CitiBank ) has been holding, or failing to process our payments until after the account due date in order to improperly assess interest and late fees to our account. 

We receive monthly statements from XXXX XXXX ( CitiBank ), and we routinely pay on time by having our personal bank ( XXXX, XXXX XXXX, TX ) send bank checks to our creditors six days before the due date ( XXXX suggests allowing four days for mail delivery. ) We have no problems paying other creditors by this method. 

In early XXXX, XXXX, we received a statement from XXXX XXXX ( CitiBank ) indicating a balance of {$760.00} due on XX/XX/XXXX. We authorized XXXX to mail a check for the full amount on XX/XX/XXXX. CitiBank didn't process our check until XX/XX/XXXX, which was six days after the XXXX due date. 

As a result of the delayed processing of our XXXX payment, CitiBank carried over the XXXX balance to our XXXX statement, showing an account balance of {$950.00} ( which included interest of {$22.00}, and a late fee of {$29.00} ), with payment due on XX/XX/XXXX. We authorized XXXX to pay the full balance, and it was mailed on XX/XX/XXXX. Because CitiBank processed and cashed our prior payment of {$760.00} on XX/XX/XXXX, we actually overpaid in XXXX. 

On XX/XX/XXXX, we received the attached email from XXXX XXXX ( Citi Bank ), indicating that our XXXX payment was Past Due. This is impossible to believe since our bank ( XXXX ) confirmed that it mailed the payment on XX/XX/XXXX. We spent considerable time on the phone with a CitiBank Customer Service Representative ( XXXX XXXX on XX/XX/XXXX, who advised that our XXXX payment of {$760.00} was posted on XX/XX/XXXX, but he had no record of our XXXX payment ( {$950.00} ). He credited our account {$40.00} to cover the late fees ( inadequately ), and suggested that we call back on Monday ( XX/XX/XXXX ) to see if our XXXX payment had been received. We suggested that we would call on Tuesday, since there would be no mail delivery on Monday ( the XXXX Holiday ). 

On Tuesday, XX/XX/XXXX, we called CitiBank, and the representative said they had still not received our XXXX payment ( mailed on XX/XX/XXXX ). 

On Thursday ( XX/XX/XXXX ) we received an email from XXXX XXXX, thanking us for our XXXX payment, which they had posted on XX/XX/XXXX ( which had been mailed on XX/XX/XXXX ). 

Since we pay all of our accounts by this method without problems, we are led to strongly suspect that CitiBank is intentionally not processing payments when received, resulting in improper interest and late fees being charged. We expect all interest and fees to be reversed, and we request a PROMPT REFUND of our overpayment with interest at the same rate that CitiBank charges.
Product: Credit reporting or other personal consumer reports

I need to dispute accounts on my record. There are a lot of descreptencies on my report. from Capital one, XXXX, XXXX XXXX XXXX and XXXX XXXX. The date active, Date Last used, Last Payments made, and Payment history is inconsistent on all XXXX credit bureaus. I would like to get these removed from my account or i will get legal representation involved due to information not being added up accordingly. Thank you and have a great day. 

This account was fraudulent in the first place and nothing was done to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off 15 year loan,XXXX I have 146 months never late on payment. 

I have 4 credit cards only 3 have balances. 

I had a score of XXXX, dropped 62 points the day i paid the loan off. 

I filed disputes with all 3 agencys, more than 30 days ago, no response wanted me to pay to see my fico score. 

If I get a loan now it will cost more, something is wrong, with this, and reading online i'm not alone. 

The cards have high balances, but have not changed, have gone down.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX i contacted transunion regarding information that only their bureau has not resolved, you see a XXXX XXXX credit card opened XX/XX/XXXX and initially went delinquent XXXX XXXX ( 7 years ) ago should be deleted from my credit file as XXXX  and XXXX  have done, however they were only reporting XXXX data, all XXXX, XXXX, and XXXX shows no reporting or no data, I sent them a copy of their credit report which i saved showing the delinquency during that time and they came back and said the creditor can not locate that, therefore according to Fair Credit reporting act they should have deleted, but they didn't, on or around XX/XX/XXXX i attempted again and now they are reporting partial dated of payments in XXXX but again not removing the old account when I clearly have provided them their report, I have no recourse but to report them to the FCRA victim that i have become,
Product: Checking or savings account

On XX/XX/2019 a withdrawal of {$600.00} was made to my checking account. The withdrawal happened at the Chase bank at XXXX XXXX XXXX XXXX, XXXX, CA. According to the Chase representative, that withdrawal happened around XXXX XXXX that day. I was notified of this while I was with my brother in XXXX. He and I have a joint bank account. I made a claim with Chase letting them know I was not even in XXXX at the time and that I did in fact have my card with me. I cancelled my card in that same call I made for the claim. I was there with my brother for a convention and just spent the rest of the day there until almost midnight since the morning. So they finally contact me again about the claim asking me the same questions they did when I first made the claim. I can't remember every question nor the exact wording but it was along the lines of this. How much was the disputed amount? Did I have the card with me? Did I authorize anyone else to use the card? And I answered it the same. It was for {$600.00}, I did have the card with me, and I did not authorize anyone else to use the card. Next time I hear about the claim all it was was a letter saying that {$600.00} ATM withdrawal on XX/XX/XXXX was authorized and the claim has been closed. So I called them to ask what can be done. They told me to submit documents proving I was there. I submitted the two tickets my brother and I bought, the schedule for convention, and the bank statement that showed the account was charged at a XXXX XXXX in XXXX. I submitted these to reopen the claim and then received the same letter saying the claim was closed as the transaction was authorized. From all the documents I submitted not one had my name on it, only my brother 's name and his card being used not mine. My E-mail was used for the receipt of the two tickets but that was not good enough for their investigation to prove I was there. Now they say the claim will remain closed unless I can submit new documents or information proving I was there or file a police report so they can review the footage of that transaction at the bank. I attached a picture showing a scheduled dance for XXXX the event I was in XXXX for. As well as a video of the dance itself. Another example that I was there.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION, XXXX, AND XXXX  ARE FULLY ENGAGED IN XXXX FRAUD AND MISINFORMATION CAMPAIGN AGAINST XXXX XXXX  AND ALL USA MINORITIES. XXXX  XXXX XXXX PURCHASED A CREDIT CARD ACCOUNT FROM XXXX  XXXX. XXXX IS REPORTING THE DATE OF PURCHASE AS THE DATE OPENED. THE ACCOUNT DATE AND STATUS DOES NOT CHANGE WITH PURCHASED ACCOUNTS. THE ACCOUNT WAS REPORTED BY XXXX  XXXX DATE OF FIRST DELINQUENCY AS XX/XX/XXXX. XXXX IS REPORTING THE DATE OPENED AS DATE PURCHASED XXXX, XXXX. XXXX IS ALSO REPORTING A CLOSED ACCOUNT BY MARYLAND STATE LAW OVER 3 YEARS OLD MUST BE REPORTED AS CLOSED BECAUSE THERE IS NO LEGAL OR LAWFUL REMEDY TO RECOOP DISPUTED MONETARY ACCOUNTS. TRANSUNION, XXXX  AND XXXX  ARE KNOWNL PURPOSELY REPORTING FALSE AND MISLEADING INFORMATION TO INJURY MY CREDIT RATING FOR WHICH I WILL SEEK DAMAGES.