23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am responding to your contact about collecting a debt. I have been receiving mails from MIDLAND FUNDING LLC to collect debt of an amount of {$710.00} and identify the debt as from XXXX. 
However, the information provided in the letter is grossly inaccurate. 

I vividly remember acquiring the XXXX debt in 2012, but that debt has been closed according to my credit report at the time. Furthermore, I am not aware of any purchase of that amount as I have never purchase anything over the amount of {$400.00} on credit, except for cars or housing. This collection on my credit report has significantly lowered my score
Product: Money transfer, virtual currency, or money service

I saw a post of facebook for a XXXX item for sale. I contacted a XXXX XXXX to purchase the item for {$330.00}. Paid the {$330.00} on Zelle and the item was never shipped. Paid to husband 's Zelle account and then asked me to cancel and repay to her son 's account. Requested her to refund me several times. Then she asked for more money to ship. Now saying my loss XXXX Zelle account : XXXX XXXX XXXX Son 's Zelle account : XXXX XXXX XXXX My Zelle account is through XXXX XXXX
Product: Debt collection

The incident occurred on XX/XX/23. I, XXXX XXXX left to the store and my cousin XXXX XXXX had started cooking using oil and went to the restroom and by the time he came out the restroom he had seen flames so he proceeded to use water and it made the fire grow a tad bigger and was able to get the fire out by the time the fire department came the sprinklers had flooded the apartment. It was minimal damage done to the apartment. The microwave was damaged and there was a hole in the wall from the fire department. When I came back I helped clean and vacuum the water out of the carpet and the apartments also assisted with some heavy duty suction machines that had to be ran 24-7 for about two weeks.They served me an eviction notice to be on the XXXX of XXXX and I was out of the XXXX I am XXXX so my family helped me and I was able to get a lawyer to get my case dismissed. I was not home during the fire and I also have a statement from XXXX stating he is responsible for the charges. This was just put on my credit a year later which I dont understand why.
Product: Credit reporting or other personal consumer reports

The following XXXX  account was paid in full, Ive called the company numerous of time to remove that debt off of my credit because it no longer belongs to me. The XXXX XXXX was not me! I have Medicare. It is sad how hospitals dont have a high demand of requesting the patients to provide their id, social or INSURANCE CARD! Ive never went to be seen at a hospital without providing my Medicare card. With that being said I was in the XXXX around that time. I would like a removal IMMEDIATELY! Please review the documents below. My camera quality is not that great I try providing the best image I can with my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

cant lifta security freeze, I did it online but still freeze.They refuse to solve the problem as Today. this company is a mess with people.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS XXXX. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and XXXX because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

XXXX. UPDATE AND SUPPRESS NEGATIVE INFORMATION 4. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts 5. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX
Product: Vehicle loan or lease

I returned my lease vehicle Lincoln XXXX Tuesday ( XX/XX/XXXX ) at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, the gentleman did a walk through checked the mileage and told me i can leave i asked him for a document he said i don't need one, he said ( everything okay ). Again i asked him he replied again that they do not provide one. 
Today XX/XX/XXXX a week later i noticed that Lincoln reported to the credit bureau that i owe them {$1200.00}. I never received an invoice or a phone call even when i log to my on line account it shows balance {$0.00}. They reported me to the credit bureau with out contacting me or providing me an invoice, That is illegal i don't understand how that is possible! 

Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Your last payment of {$24000.00} was received on XX/XX/XXXX. 
{$0.00} CHANGE DUE DATE PAYMENT PROGRESS You have XXXX payments left Payment progress : 100 %
Product: Mortgage

Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX, CO XXXX RE : Loan No.XXXX Said Servicer is unresponsive to multiple requests for a Payoff Statement beginning on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. This refinance has been scheduled and rescheduled multiple times due to their lack of compliance. Please assist.
Product: Student loan

XXXX XXXX states that repayment begins on XX/XX/2019. I am under a different plan. This means I don't  begin payments until well after graduation. I am enrolled full time ( more than half time ) in an XXXX   program. Currently, I have over 3 classes enrolled at school which comes to an additional 15-20k for this semester. XXXX XXXX is not displaying that I maintain a loan for this amount but also is displaying numerous loans that they require payment while I'm enrolled in school. 
Besides this, they are displaying negative information on my credit reports, XXXX XXXX XXXX and XXXX. I would greatly appreciate that they adjust their credit reporting to not only reflect the fact that I am in school but that I have positive standing with them. Unfortunately I will have to report this to department of education. To be clear, my University did everything on their end so there is no issue with financial aid department. XXXX XXXX has been irresponsible in their handling of my loans. Also, i am unemployed at the moment and have had no income for many years. They are not displaying the proper repayment plan of income based repayment. I never signed up for whatever my status is now. They make it impossible to deal with them.
Product: Debt collection

On XX/XX/2019 I mailed out a certified letter to Portfolio Recovery requesting proper verification and a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

They have failed to verify any of the information requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was working with Discover to process an offer made to me. They required additional documentation to be submitted. I had not submitted Yet, an inquiry was made to my report. I reached out to Discover to find out why an inquiry had been made and we had not completed the application, the chat agent confirmed that an inquiry should not have been made at this point of the application. There was explanation from Discover why an inquiry had been made and the application had not been complete.
Product: Debt collection

Fraud account, that was disputed with XXXX XXXX XXXX  never had account with company, sold to debt collection agency that is reporting inaccurate information on my credit report, damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX and has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX and has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX  XXXX and 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 or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I had 2 refund issued from XXXX a digital game I purchased I one part of the refund back which is for the game XXXX XXXX the in-game purchase refund I didn't receive so I called XXXX XXXX they had me manually request a refund so I did received my email confirmation of my refund chime is to blind to check the situation out I've been waiting since XX/XX/year> they talking about waiting until XXXX when the XXXX XXXX XXXX literally says 3-5 business days for the money to be credited back into account
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to have this loan deferred due to a financial hardship I am experiencing currently and I was under the impression that the loan was under a deferment however I recently checked by credit report and there are multiple 30 day lates and 60 day lates which are greatly affecting my credit score. I am worried because even after I have contacted XXXX, XXXX  and TransUnion via letter to ask for a verification of late payments. The loan should have been in deferment during the time the credit bureaus are reporting the payments late. I feel this is unfair, unacceptable and inaccurate reporting which is affecting my credit score and will in the future affect my ability to get credit due to these bogus and unvalidated late payments. 

To date XXXX nor XXXX, XXXX or TransUnion have responded to my letters sent over 60 days ago asking for a validation of these late payments and the method of verification not XXXX used as per in compliance with the Fair Credit Reporting Act regulations, FACTA, FDCPA regulations.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX it was brought to my attention that Citibank had made a negative reporting and closed my secured account. I made a call to customer service and shared confidential information about a serious illness that I was hospitalized for in XXXX XXXX to respectfully disclose the reason for my late payments. I requested that I be allowed to make up the payments and that late fees be waived due to the reason for my late payments. I was informed by the rep that even though I was a customer and that all payments had been made on time up to the point of being ill, that my illness would not be taken into consideration and that even if I paid my account balance in full, that my account would not be re-opened. I spoke with an account manager who attempted to remove late fees due to the reason I was late with my payments but was informed that the bank would not allow any waivers. The account manager did inform me that the balance to clear the account was {$140.00}. 

I am making the account payment of {$140.00} to full fill my financial responsibility to Citibank. Also I am writing a letter directly to the Citibank to express further concern. 

To resolve this matter I am requesting that Citibank remove the negative rating that they originally sent to the three credit bureaus even if they have to delete the line of credit. The way it reads currently is extremely unfair and punitive because I became ill unexpectedly. 

I look forward to hearing from you in the near future. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account XXXX : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment delay due to postal service issues : In XXXX and XX/XX/XXXX, I mailed my payments well in advance, but due to delays with the postal service, the payments arrived late. This delay was beyond my control, and the payments should not have been marked as late, as I acted in good faith to ensure timely payment. 
XXXX made within the 15-day grace period : Despite the postal delay, my payments for XXXX and XX/XX/XXXX were received and processed within XXXX 's 15-day grace period. As such, this account should not have been reported as 30 days late. 
XXXX Already Removed the Account : After reviewing my dispute, XXXX has already removed the account from my credit report, acknowledging that the late payment was reported in error. This further confirms that the information reported by TransUnion and XXXX is inaccurate. I have attached a copy of my XXXX report showing that the account has been removed. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

I also request that the inaccurate late payments entry for XXXX and XX/XX/XXXX be removed from my credit report immediately, as XXXX has already removed it. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

As per two letters from Citibank dated, XX/XX/2022, Citi has deemed me responsible for bank machine withdrawals exceeding {$9000.00} made on a bank machine in XXXX XXXX in XXXX, XXXX. I strongly disagree with this decision. 

As detailed below : The incident happened XXXX in XXXX XXXX at a bank machine in XXXX. 

I responded immediately to the first fraud alert I received from Citibank, @ XXXX ( EST ), for a sum of {$1200.00}, on XXXX, XXXX XXXX. I immediately indicated that it was indeed fraud. 

That fraud alert came to me after XXXX transactions had already successfully gone through for a total of {$9300.00}. 

Whydid it take XXXX transactions from a foreign bank machine before the first fraud alert was sent? 

XXXX XXXX {$1200.00} XXXX ; XXXX XXXX  {$290.00} XXXX XXXX  {$290.00} XXXX XXXX  {$810.00} XXXX XXXX  {$1700.00} XXXX {$2200.00} XXXX XXXX  {$2500.00}XXXX {$14.00} XXXX XXXX  {$1200.00} FRAUD ALERT The letter from Citibank has deemed the activity to be consistent with your normal banking activities. Enclosed please find scans of those correspondences. 

In the thirty plus years that I have banked with Citibank, never have I ever run XXXX transactions at a bank machine within XXXX minutes. 

In fact I dont believe Ihave ever withdrawn sums near {$9000.00}. from a Citibank machine in over XXXX years in any city in the USA or in a foreign country! 

Discussions with XXXX XXXX XXXX : On XXXX, as soon as I was able to call, I was on the phone for hours with fraud prevention personnel and supervisor named XXXX. He informed me that XXXX transactions had gone through, as detailed above. He created XXXX cases for XXXX transactions each. 

I was assured that the money would be returned to my account within XXXX business days, or provisional credit would be granted until the investigation was complete. 

I called again on XXXX and spoke to supervisor XXXX. Said she would expedite the case, and was equally encouraging. 

Citi has obviously failed to adequately investigate this fraud. 

Citi prides itself with its fraud prevention capabilities. How could the system allow XXXX transactions to go through from a foreign bank machine, before determining that there might be an issue of fraud only on the ninth transaction?! 

Conclusion : I nearly fainted when I received the banks letters, determining this activity as normal. I have had a stellar banking reputation with Citi. Not only am I a victim of some advanced bank machine scam, but I am now being billed for a criminals ill-gotten gains. I am somewhat traumatized. 

In light of the above, I respectfully request that the money be returned to my account ASAP. This presents a significant financial hardship for me.
Product: Checking or savings account

My relative from XXXX received a job over XXXX. He was supposed to receive {$850.00} in check and there were 2 other persons who were supposed to get {$1000.00} and {$1100.00} for the job. I received a {$2900.00} check and I was instructed to send {$1100.00} to XXXX through XXXX and {$1000.00} to XXXX through XXXX. The rest {$850.00} I was supposed to send to my relative in XXXX. I deposited the check in my account and the money was available in my bank in next business day. I sent out all their money and ended the business with them. The whole thing was jest a courtesy towards my relative. The next moring i logged in and discovered I owe the bank more than {$1100.00} and the check was bounced. I went to the bank and they discovered it was a fraud check and I've to pay them. My relative contacted me and he said he doesn't know anything about the whole scam thing. I'm a XXXX  XXXX  and XXXX and this huge debt over me was unexpected. It's about {$2000.00} gone from my account and left me with around {$1000.00} debt to my bank. I'm in a big debt because of the scammers. The name of the bank in the check was XXXX XXXX XXXX  and in the very top the address was 'XXXX  XXXX XXXX ~ XXXX XXXX XXXX XXXX XXXX~ XXXX, fl XXXX ' I do have the screenshots of the sent money on 2 different XXXX  accounts in my phone. I really believe getting the bank accounts connected to the XXXX  accounts of XXXX and XXXX is good enough to get me out of the scam and get me my money bank. I'll really appriciate if the CFPB takes all the proper necessary steps to help me get out of the situation. Thanks.
Product: Credit card

Synchrony bank is absolutely disgraceful. A customer service representative told me that I could make a minimum payment without receiving a late fee. I was still assessed a late fee and concurrently assessed a late fee every month thereafter even though I was making payments. I 've tried calling and filing complaints and each time i 'm either given the run around and directed to people who tell me flat out that they ca n't help. I told them that I would no longer make payments towards the account if they were still going to charge me a late fee even though I was making on time payments. At this point I do not know what to do. The are impossible to work with and they 're ruining my credit score. I do n't know what to do.
Product: Credit reporting or other personal consumer reports

I show a bankruptcy on my credit report XXXX XXXX XXXX XXXX  XXXX with a Reference # XXXX. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my personal information exposed in several data breaches including the XXXX data breach, the Equifax data breach and the XXXX XXXX  data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.
Product: Debt collection

Commenity Bank is trying to collect a credit card debt and called 5 different times before XXXX and will repeatedly call throughout the day, upwards of 10 times, every day. They also call before XXXX and after XXXX as well. They also called my family members who are not at all on my credit card and asked for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XXXX XXXX Balance XXXX {$540000.00} XXXX XXXXXXXX Balance : {$0.00}