23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or around XXXX of XXXX I sent XXXX Mortgage a packet of information describing how my identify was stolen to create a refinance mortgage by XXXX mortgage bankers. I also sent them the expert hand writing expert report showing that my signature was forged upon the documents. I also filed a Chapter XXXX bankruptcy in XXXX where as my mortgage debt was discharge in Bankruptcy court. I also made JP morgan chase aware of the bankruptcy of the discharge mortgage. They still have been contacting me to date about the debt and attempted to foreclose on my home in which at the time of the Bankruptcy they had no legitimate lien to the property. They also have " NEVER reported any of payments to any of the credit bureaus of the payments that I have made on my home. My identity was stolen, they are attempting to collect a debt I don't owe and I was never credited for any payments on my credit report from the purchase of my home.
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I am requesting their removal within XXXX  days. Attached are the relevant documents for your review.
Product: Credit card or prepaid card

On or about XX/XX/2021, TD Bank/Target closed my account without my authorization. I only opened the account about six months before and had a XXXX balance when they did so. I had made all of my payments on time and did not carry a balance. I wrote the bank about two weeks later to reinstate the account and they replied in writing that they would/could not do so. 

The closing of this account cause my credit score to drop overnight by 32 points.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681e - Compliance procedures ( ACCURACY OF REPORT ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

produce all documentation everything associated with account Produce original contract and auction receipt payment insurance loan insurance Westlake FinancialXXXX
Product: Credit card or prepaid card

Entered into a settlement arrangement with Citibank / Home Depot Credit card. Payment agreed to was {$760.00}. Payment was sent as agreed. Citibank successfully deposited the check but credited to the wrong account and never credited my accounts. My attorney and I have attempted to get this resolved directly with Citibank, but to no avail. We have called, emailed, faxed and sent letters over 35 times and are still unable to get the problem resolved.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 XXXX XXXX XXXX sent correspondence to the Florida department XXXX XXXX in regards to any contract as it pertains to any debt claimed. 

RE : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON FLORIDA DEPARTMENT OF REVENUE CONTRACT, FOR DETERMINATION OF 'MEETING OF THE MINDS, ' 'FRAUD ON THE CONTRACT, ' AND OR AN 'UNCONSCIONABLE CONTRACT ' AND/OR AGREEMENT FOR COMMERCIAL DISCHARGE, Account/Case No. XXXX, AND XXXX This correspondence was sent via XXXX XXXX mail, and received on XX/XX/2023 at XXXX XXXX XXXX XXXX, FL XXXX XXXX provided Phone Number ( XXXX ) XXXX - XXXX XXXX XXXX as the executive director, nor any authorized representative for THE FLORIDA DEPARTMENT OF REVENUE has responded to the claim in the time provided in accordance to law. This has been disputed with all three credit bureaus, Experian, XXXX, and XXXX to no avail.
Product: Checking or savings account

XXXX XXXX XXXX Vystar Account This incident started during the time Vystar was having major systems issues. My daughter participated in XXXX ( Data Buster Sunmer Program ) were the earned money for the participation. And as XXXX recieved her wages by paper check she would then upload them to her account. And with Vystar system issue it was not notifying her that the online deposits were processed or accepted. She made multiple attempts to deposit in both her Checking and Savings Accounts, which caused her to have two additional payments deposited into her checking account and one in her savings account. 

When XXXX noticed the overpayment she made me aware. And I then contacted multiple agent over the phone at Vystar to assist with the matter. At first I was told nothing could be done. And finally, an agent contacted the deposit team at my request to place the funds on hold. And now being under the impression this matter has been resolved. The explanation given was that once the federal reserve notices the duplicate checks ( quadruple to me ) they would then reverse the payments in her account, which then would allow the funds on hold to balance her account. The hold would be released in the account after 10 business days and then an extended hold would be added if needed. 


I no longer worried about the matter, under the impressionthe matter was resolved. To then recieve a letter for both of us regarding a negative blaance for both her Savings and Checking Account. To find out when I contacted Vystar the money was added back in her account and XXXX requested the payments be returned and now she's owes a balance in the over six months later is absurd. 

I was told it took six months for them to realize the checks were duplicate payments. And only allowed them to use XXXX  or XXXX XXXX. I never received statement from them during the duration of her membership, nor did she request electronic statements. Or information to notify her the her account was in the negative. 


But the worst part of all was I was listed as an joint owner that I did agree to. I asked for the same type of account my daughter who is also a member to have that did not require me to become joint member.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX and TransUnion credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$380.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Citi closed my account on XX/XX/XXXX claiming that I " was not able to maintain the security of this account ''. This is not true and I can prove this if needed, but this is not the reason I am contacting. 
The Citi Costco card that I had included a rewards program. 
At the end of the year customers would receive a rewards certificate based on their spending from XX/XX/XXXX - XX/XX/XXXX of that year. 
On XX/XX/XXXX I received an email from Costco stating that my rewards certificate was coming in the mail. 
I realized I still have not received it earlier this week and called, they told me since the account was closed that my rewards were forfeited. 

The rewards were accumulated all year, from XXXX - XX/XX/XXXX. 
The account was closed on XX/XX/XXXX. 
I am still entitled to the rewards I earned BEFORE the account was closed. 
*statement and letter attached
Product: Credit card or prepaid card

On XX/XX/XXXX I called Chase card services XXXX about some fraud charges seen on my account online, the amount was for {$130.00} and {$2.00} total of {$140.00} which was charged to my account on XX/XX/XXXX Account # ending in XXXX spoke to XXXX, then XXXX, was told to call fraud services # XXXX Forget who I spoke to, but give them the facts on my fraud charges on above amount, they said they would look into matter and give me confirmation on report, I was put back to talk to customer service on my account, I spoke to XXXX asked what would be my payoff as of today XX/XX/XXXX so I could pay off the balance and close my account ending in XXXX, she said the balance was {$480.00} and minus the fraud charges of {$140.00} I would pay {$340.00} which I did on that day and closed out my account on that card ending in XXXX, confirmation payment # XXXX I did not hear back from fraud report so I called XXXX on XX/XX/XXXX and spoke to XXXX, and he assured me that the fraud charges had been taken care of. OK. In XX/XX/XXXX. I received a bill in mail from Chase on my old account, since I closed out old account and paid off balance, they created a new account # ending in XXXX charging me for the exact amount of fraud charges of {$140.00} and added {$11.00} in interest charges which total {$150.00} So I call again on XX/XX/XXXX recovery dept. XXXX spoke to several people, did not get anywhere with no one, they said I was not charged for fraud charges, but I am getting billed for them!!! do the math!! I had to call back on XX/XX/XXXX spoke to XXXX, and XXXX and some supervisor lady, could not get it through their heads that the exact amount I was being billed for is the exact amount of fraud charges!!! I was told I had to pay the balance of {$150.00} was so XXXX of talking with them getting nowhere, that I paid the balance that day of {$150.00} from my checking account ending in # XXXX to avoid anymore interest charges and told them I would be filing a complaint!, I do not have any way of scanning all my documents for you to review, but could mail if needed, so please let me know, would like this to be resolved.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concern regarding Zelles 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has allowed repeated 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.
Product: Checking or savings account

On XX/XX/XXXX, I received an email communication from Bank of America stating that my Online Application is in progress for the XXXX XXXX XXXX XXXX  Account, in which I did not authorize this online application. I immediately forwarded the email to their fraudulent dept. informing them that I didn't authorize this application and to please contact me asap. On XX/XX/XXXX, I received another email from Bank of America to confirm my email address. I forwarded that email as well to their fraud dept. asking them to not proceed with this application and to call me asap. I also called the number that was provided in the email, stating " If you don't recognize this activity call us at XXXX '', but of course I was unable to get through to their XXXX XXXX. because you have to provide an acct # ( that I did not have ). On XX/XX/XXXX, I sent another email following up with Bank of America asking them to call me immediately to discuss this account that was opened without my consent. No one has ever responded to the emails I sent nor have I ever received a phone call back from them. At the end of XXXX, I started receiving statements from Bank of America for XXXX XXXX fees of {$4.00} for this account. 
Today, XX/XX/XXXX, I called the XXXX number, again, provided on the statement, spoke to a customer representative and asked to be transferred to the fraud dept. After the transfer, you are sent to automated recording informing you that your case has been opened, your debit card has been canceled and they will monitor the account for 14 days for transactions. They do not let you speak to anyone about the account to explain what has transpired, there's no way to open an investigation with them, nor have the acct closed immediately. It's been XXXX!!
Product: Credit card

Ulta continues to add late fees and interest to account since XX/XX/2023. 
The balance continues to rise just like you allow other companies to do Since to out to destroy my name have fun because it does not bother me let it stay on my name. 
You are not going to help anyway.
Product: Debt collection

My lease was up I moved out and the my ex that was on the lease. Her and I split up and the landlord would n't let me remove my name from the lease. And after I left my ex took over I went by to get mail and got arrested for coming to my ex 's place of residence. Then a few weeks later I get told when visiting my cousin that the land  Lord sue d me for damage to the property when I was n't there nor allowed by the law to be there and was never told of a court date. Or anything. They refused to let me take my name off the place I was n't allowed to be at. I should n't be responsible
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. PHH MORTGAGE SERVICES Account # XXXX has violated my rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) States I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( Section 604 A Section 2 ) : It also states a consumer reporting agency can not furnish an 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 or any other adverse item of information, other than records of convictions of crimes ( they may only report crimes, not debts ) 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.

Please delete this account properly thank you. 


PHH MORTGAGE SERVICES {$430000.00} Balance updated XX/XX/XXXX Account info Account name PHH MORTGAGE SERVICES Account number XXXX Original creditor - Company sold - Account type Mortgage Date opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing in response to the account appearing on my credit report. According to that record, I have an account with them that is erroneous. By Section 1681 ( g ) they must grant me a brief description of the method that seemed to validate that the account listed below is " correct ''. XXXX XXXX XXXX XXXX Account Balance : {$31000.00}
Product: Credit card or prepaid card

On XX/XX/2017 I applied for an american express delta credit card. They offered XXXX mile if spend XXXX in 2 months and an additional XXXX miles if spend additional XXXX in 6 months. I was accepted for the card and spent {$3000.00} within 3-4 months but never got the miles. I called them a few times and the said they would look into it but nothing done and no explanation. One time I was told maybe I had an account before so I wouldn't get.

Not sure if had account before and offer doesn't exclude if had account before.
Product: Credit card or prepaid card

I hired a moving company, and the men stole valuable jewelry from me. I will not pay for this service. 
XX/XX/23, posted XX/XX/23 XXXX XXXX XXXX XXXX XXXX. {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Checking or savings account

I share three bank accounts at Chase Bank with my XXXX mother, we are long time customers with Chase. In XX/XX/2023, two of our three shared accounts were targeted with fraudulent activity so we closed the accounts and opened new ones at Chase. Both of the new accounts, plus the one remaining original account, were targeted with more fraudulent activity. Every safeguard Chase told me they would put into place has been undone by the criminal attacking the accounts. Chase is refusing to return approximately {$2100.00} in fraudulent transactions. Chase has failed to keep the accounts secure and now they will not give us back the missing money despite numerous calls, and numerous trips to meet with the local bank branch. Their inability to stop the fraudulent activity leads me to believe the criminal must be somehow affiliated with Chase as they know how to circumvent all security measures.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed things are incomplete and not accurate. according to the fair credit report act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates these accounts ( XXXX XXXX XXXX XXXX  ) are not complete or accurate
Product: Vehicle loan or lease

Loan Maturity date XX/XX/2020. Balance as of this day {$9900.00}. After 4 payments that equal XXXX X 4 = XXXX and {$600.00} in late fees on XX/XX/2020 the balance will be {$7900.00}. I am confused as to why the balance will remain at maturity. We did defer 6 payments and this would explain XXXX but we did not understand that the maturity of the loan remained the same and this amount would be due at maturity. Also we tried to use GAP 2 years ago after a hail storm damaged this vehicle and we were told any payment made late was not covered by the GAP insurance. They still deducted the GAP insurance fee that month but stated that month was not covered. This made it impossible to use the GAP if the late payments would not be applied to help pay off the vehicle so GAP was null and void. I would think a refund of the GAP insurance would be deducted from this balance. What will happen if we can not pay the remaining balance at maturity date?
Product: Credit reporting

I have disputed an account on my experian credit report that is being reported by XXXX XXXX XXXX. I have also sent the collection agency several letters stating the account is fraudulent and even sent proof of my residence at the time they state I resided there. I asked for proof of the account and still has not received any proof. Now Experian is stating they will not accept another dispute from me and the collection agency is still reporting and continuing to add fees each month ( original collection amount showed about {$1300.00} now account showing over {$2100.00} ). I 'm requesting that this account be removed from my report because it does not belong to me. And yes I have did a fraud affidavit.
Product: Checking or savings account

Interest earned on trust account through capitol one. Company told me I could not transfer balance in my 360 account to higher interest account because it was a trust account. As a Result I have lost hundreds of dollars in being stuck in a low interest bering account. Now I understand your agency is taking them to court over this issue. How can I joint the suite ? 

Thank you. 
XXXX XXXX
Product: Credit card

Grain technology has an outdated app and hasnt had a working payment processor in 2 months. When trying to make my payment they didnt allow it to go through. They have now figured out their problem and are utilizing a new processor but flagged my account as 30 days late and tanked my credit score.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

Today I received a Cash App Card in the mail that I haven't opened and it was under my name. I called cash App support. The name of the representative I spoke with was called XXXX. He sent me a link to my email, which I gave to them, to close the two charge cards that where sent to me. The information that they wanted through the email was a picture of the front and back of the card and if anyone previously lived at the address I currently reside in. They didn't ask for a SSN or any bank information. He gave me a case number which is XXXX. I would very much appreciate it if Cash App didn't do this again. This sounds alot to me like the XXXX XXXX fake accounts scandal to me when they opened a bunch of accounts without the people 's knowledge.
Product: Debt collection

There is a negative derogatory mark on my report from Southern Oregon Credit Services that I do not remember. It was opened on XX/XX/2017 at the original amount of {$200.00} and now it's at {$230.00}. I do not recall any of this information as I have also attempted to call the company and I have not received a response and it's been longer than 30 days.
Product: Credit reporting or other personal consumer reports

I am writing these purposes to dispute specific information in my credit file ; and to request a reinvestigation, correction, and removal of inaccurate information from my Credit Report, as well as measures to prevent its re-insertion. 


XXXX XXXX XXXX XXXX
Product: Debt collection

I received an email XX/XX/year>, that they have an account pertaining to me. Received a letter back in XXXX showing the contract I had with the original company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires I have absolutely any knowledge of, ( 1 ) XXXX XXXX -XX/XX/XXXX, ( 2 ) XXXX XX/XX/XXXX , ( 3 ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Incorrect Name 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 XXXXXXXX
Product: Debt collection

Transworld systems XX/XX/XXXX {$50.00} Transworld systems XX/XX/XXXX {$50.00} Transworld systems XX/XX/XXXX {$100.00} Transworld systems XX/XX/XXXX {$180.00} These medical collections showed up on my credit. I had never received a bill from any doctors office. I had insurance anytime I saw a doctor and did not have any copays due at the time of visit. Ive contacted the credit company in the past to try and resolve the issue and ask for paper billing statements but have never had any luck with them.