23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of XXXX  I was purchasing a condo as a first time buyer. I was getting my mortgage through XXXX XXXX  and was two days away from closing when I learned they lost their CDFI certification which meant they were no longer eligible to move forward with my mortgage application ( As was seen on the news - XXXX XXXX XXXXXXXX ). This was after doing everything that was requested from them including home appraisals, inspections, certifications, document fee transfers, not to mention travel expenses for closing as I was buying this home from out of state. I subsequently had to cancel the home purchase as we had well exceeded the time to buy, and have been trying to contact XXXX XXXX about recovering the costs for the items they requested from me and have had no response from them. In total excluding my travel, their requested items have cost me {$1200.00}.
Product: Credit reporting or other personal consumer reports

Dispute and Request for Update of Personal Information I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address XXXX XXXX XXXX XXXX XXXX FLXXXX while my credit report shows an outdated address of XXXX XXXX XXXX FL XXXX AND XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX. I request that my current address be updated accordingly. 



Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, several fraudulent accounts have appeared on my credit report. I am requesting that all such fraudulent accounts be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am a victim of identity theft. The fraudulent accounts are BB & T accounts ending in XXXX. I have attached my police report and FTC identity theft report. Please delete the account from all XXXX credit bureaus or if applicable, send me your fraudulent account affidavit so I can have it notarized and sent back to BB & T.
Product: Debt collection

Subject : Complaint Regarding Misdelivery and Lack of Response from Credit Control LLC Dear Sir/Madam , I am filing a formal complaint regarding Credit Control LLC 's failure to properly address my certified letter and the misdelivery of said letter to the wrong address.

Details of the Complaint : Issue Description : Debt is Being Passed Around : This particular debt has now been sold or transferred to Credit Control LLC as the fourth buyer of the debt. Each time it appears on my credit report, I dispute it, and it is promptly removed. However, it continues to resurface under different collection agencies. This constant passing of the debt is causing confusion and unnecessary complications in resolving the matter once and for all. 

Ongoing Contact and Communication : Even though the debt is not on my report from Credit Control LLC, I continue to receive emails and communications from Credit Control LLC, causing unnecessary distress and confusion. I am requesting that this debt be permanently cleared from my records to prevent further harassment and contact from this or any other collection agency. 

I mailed a certified letter to Credit Control LLC, addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The letter was sent on XXXX XXXX and was tracked using USPS tracking number XXXX. According to the USPS tracking information, the letter was delivered to a different address in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not the correct address I provided. My receipt from USPS clearly shows the XXXX XXXX address. 

Lack of Response : Despite the letter being delivered and signed for ( though to the wrong address ), I received an email on XX/XX/2025, at XXXX XXXX from Credit Control LLC. However, the email did not address the issues raised in my letter, and I have not received a satisfactory response to the matter. 

Attempts to Resolve : I have made attempts to reach Credit Control LLC to resolve this matter, but they have failed to address the issues adequately. Furthermore, the misdelivery of my letter has caused unnecessary delays in resolving this issue.
Product: Money transfer, virtual currency, or money service

I initiated a XXXX transfer, within the Chase banking app of {$300.00} to XXXX XXXX, at XXXX. XXXX never received this transfer. 

Claim number of dispute with Chase Bank XXXX Chase Bank has confirmed the token is correct and that the funds were sent. I have spoken to them on at least XXXX occasions and did a XXXX in person dispute along with XXXX XXXX XXXX XXXX brought all of her banking info to prove to Chase that the funds were NOT received. I also spoke on a conference call with her bank ( XXXX XXXX XXXX XXXX  ), who confirmed that no funds were received. 

XXXX is the in-bank app that Chase uses XXXX I spoke with XXXX on several occasions. They CAN NOT open a dispute because I did not use their stand-alone app. If a person uses the in-bank app, through Chase, ONLY Chase Bank can resolve any dispute. ( XXXX XXXX XXXX Chase wont provide any documentation showing that the funds were RECEIVED.only that they sent the funds. Chase Bank hired XXXX to do their money transfers, but wont investigate on my behalf. There is a missing XXXX XXXX that no one seems willing to investigate. 

Is someone skimming funds between banks? 
Is there a hiccup in transfers resulting in lost funds? 

If Chase says the funds were received, let them prove it, because I have proof that they were NOT received. If I am wrong, I would like to learn something from this experience.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I spoke with XXXX XXXX XXXX. I told them that IXXXX was out of work and they agreed to allow me to make payments to them. They came to my house unannounced and removed some trappings from around my house. I was then contacted by Transworld, and the collector threatened me and said that this would be my only chance to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company COLLECTION ( Original Creditor : COLLECTION ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Consumer Loan

XXXX XXXX ASSOCIATES HAVE CALED ME AGAIN IN VIOLATION OF A CEASE AND DESIST UNDER FAIR DEBT COLLECTION PRACTICES OF 1968.THEY NEED TO STOP VIOLATING THE LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with US Bank. They are refusing to report this mortgage that I have kept up with on payments, to the credit bureaus. I spoke with agents from US Bank Home mortgage on XX/XX/2022, XX/XX/2022 and XX/XX/2022. Each time they told me that since I filed for bankruptcy and even though I reaffirmed my mortgage in the bankruptcy process, that they would not report it to the credit bureaus unless I refinance my mortgage with them. My rate is XXXX. The rate will go up if I refinance the mortgage. I am not going to refinance the mortgage. I spoke with XXXX  this morning and they told me that they can see the mortgage but it is suppressed by the lender 's request.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

DISCOVER FIN SVCS LLC XXXX
Product: Debt collection

XXXX which is XXXX of those credit bureau is practicing unethical business example. They have also failed to provide copies of form of ID used for opening such service from this so-called shady collection agency. I Sent out debt verification request ( XXXX, {$530.00}, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX ) to the shady collection agency " XXXX XXXX XXXX XXXX They have failed to provide such proof within the 30 days of timeframe, then again, it makes seem like this wrong charge has been sold out by another shady branch of theirs collection agency called ( " RESURGENT CAP '' XXXX XXXX XXXX # XXXX, XXXX XXXX SC XXXX ( XXXX ) XXXX ) Both Transunion and those bogus and shady collection agency have failed to provide debt verification and keep posting wrong charge information on my credit report
Product: Vehicle loan or lease

THIS COMPANY CALLED XXXX XXXX CREATED A CONTRACT WITH FALSIFIED INFORMATION. THE DOWN PAYMENT WAS TOTALLY DIFFERENT THEN WHICH I PAID AND WAS TOLD I PAID FOR IT. AFTER FURTHER REVIEW OF THE CONTRACT I FOUND THAT i WAS LITERALLY PAYING NEARLY 4 TIMES THE AMOUNT THE CAR WAS WORTH. IVE TRIED TO GET THE CAR REFINANCED, OR THE CAR TRADED IN AND NOT ABLE TO BECAUSE OF THE EQUITY. THE NAME OF THE CAR COMPANY IS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. THIS CAR COMPANY IS A STRAIGHT SCAM WHERE THEY WOULD FINESS TO GET A SALE.
Product: Credit reporting or other personal consumer reports

Hello, I am writing you because I dont recognize any of these inquiries on my credit report. I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. I would like all them to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I paid off my XXXX XXXX XXXX back in XXXXXXXX XXXX XXXX. Santander has refused to send me the paper title ( or to send it electronically to SD as per SD standards ) and has neglected to send me an accurate release of lien letter. Part of the issue here is that I moved from North Dakota to South Dakota about a year before the car was paid off. 

I have called Santander Consumer USA and spent hours and hours on the phone with them and their unintelligent phone agents since XXXX trying to get a resolution here and all they have sent me is a letter saying the lien is released but they listed the incorrect state on it, SC instead of SD. In XXXX I asked for another copy of that release of lien letter with the correct state listed on it and they never sent it despite agents promising to do so over the phone. My main problem here is that they NEVER sent me a copy of the paper title nor did they send it electronically! I live in South Dakota right now ( former ND resident ) so they should have sent it to the SD DMV/DOR electronically because SD does electronic titles, but they sent it to North Dakota instead , claiming they had my old address on file ( this is false, I updated my address with them after I moved and got other communications from Santander through the mail just fine but whatever I just need the title ). 

Back in XXXX they told me they sent a copy of the title electronically to North Dakota, and that I'd need to contact the ND DMV and have them transfer it to the SD DMV, but North Dakota doesn't do Electronic Titles so that's completely false. They have sworn up, down, left and right that they do not mail titles. I contacted the ND DMV and they confirmed Santander SHOULD HAVE MAILED ME THE PAPER TITLE WHEN I PAID IT OFF but they never did and their phone representatives confirmed that many times over by telling me they don't mail titles. They also told me I'd need to take that release of lien letter to the SD DMV to apply for a title, that's totally incorrect I can't apply for a title to be created out of nowhere I need to have the title that should have been mailed to me to register it as the owner and non-lien holder in SD. At one point someone at Santander told me they were going to email me the title, just to give you an idea of how unintelligent the people answering their phones are. I am getting the run around and being promised different things by different reps in XXXX each time I call. These people don't know what they're talking about and it is at my expense, I have been unable to register my car in the state of SD and have paid a couple of very expensive traffic tickets as a result. This loan was predatory in nature to begin with and that's on me for having low credit when I was younger but I have paid way more for this car than its worth, the least these clowns can do is provide the freaking title now that I've paid it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX  I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights reporting 21 late payments. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAAN status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months.
Product: Credit card

I am having a problem with my Bank of America credit card. I dont have any outstanding balance, and my credit score is over XXXX. 

In this quarter, this card offers 3 % rewards for using it for online purchases. So I went ahead and used it to make an online purchase on XXXX website. Subsequently I received an email from Bank of America credit card about this transaction, saying Credit card not present during this transaction. Excuse me? I have used this very card to pay for my online purchase on XXXX, so yes, it was present electronically. 

I was unable to contact Bank of America credit card online and subsequently decided to file a complaint here. I want Bank of America to recognize my use of their credit card online in this transaction and enable use of the rewards. Thank you.
Product: Vehicle loan or lease

Infiniti Financial Services took {$410.00} ( recurring payment ) out of of my account after my car had been paid off. This was on XX/XX/2021. They then said it would be returned 21 days later. It still hasn't been returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$58.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$58.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX INQUIRED ON XX/XX/XXXX. I DONT HAVE AN OPEN ACCOUNT WITH THIS COMPANY AND DID NOT AUTHORIZE THEM TO RUN MY CREDIT. 

XXXX INQUIRED ON XX/XX/XXXX. I DONT HAVE AN OPEN ACCOUNT WITH THIS COMPANY AND DID NOT AUTHORIZE THEM TO RUN MY CREDIT. 


RESIDENT VERIFY INQUIRED ON XX/XX/XXXX. THEY DID NOT HAVE AUTHORIZATION TO PERFORM THE ACTS THAT THEY DID.
Product: Checking or savings account

On XX/XX/2022 I fell victim to a scam via XXXX money sharing app through US Bank mobile. Within minutes of being scammed, I reported the incident to US Bank, who acknowledged that it was scam well known to their fraud department. I was told in writing that my claim was denied by US Bank, despite having reported the scam. Having banked with US Bank for nearly a decade, my banking habits should be well documented and it should have caused a red flag that I would send {$3000.00} to someone out of state using a method of operation that is known as fraudulent activity by US Bank fraud dept. US Bank shows that the transaction was authorized, however that is not true, as I was scammed.
Product: Debt collection

Debt Recovery Solutions is reporting a delinquent account ( account # XXXX ) on my major credit bureaus that I owe them/this company {$350.00}. I do not know what this company is. I have never conducted any business with Debt Recovery Solutions. On XX/XX/2023, I mailed and faxed written notification requesting proof of contract to substantiate Debt Recovery Solutions claim to XXXX, XXXX XXXX XXXX that I am indeed the correct party they are seeking to collect this debt, yet my legal demand has gone unanswered. Debt Recovery Solutions has yet to provide a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
Product: Credit reporting or other personal consumer reports

Penfed credit Union is very impolite when calling talking to the representative she was very rude and rushy and they still wont remove the credit and I have sent them a letter and even their letters and response to me are rude most incompetent company out there by far!
Product: Credit card or prepaid card

The account I 'm discussing was in my XXXX husband 's name with my card as an additional member for a Citibank XXXX membership. In XXXX I did not receive a statement, and knowing I had a balance I called Citibank to obtain the amount of the balance. I advised Citibank that my husband was XXXX. 

The XXXX membership was to be renewed in XXXX so I had continued to use my card, knowing that at renewal, I would have to change to my name. 

The person I spoke to at Citibank on XX/XX/XXXXXXXX XXXX XXXX told me that he would immediately close the account and gave me the information to mail the balance which was not due untilXX/XX/XXXX 

On XXXX XXXX at XXXX XXXX I received a call on my house phone from a company called XXXX XXXX. I did not respond. On XXXX XXXX I received a call on my cell phone from the same company. I XXXX the company and read of many complaints of harassment, especially by XXXX and with connections to Citibank. 

I received a letter from XXXX XXXX dated XXXX XXXX requesting confirmation of the person responsible for my XXXX husband 's estate. 

XXXX XXXX, I called a number which had been given me by the representative at Citibank for " XXXX  Recovery unit ''. One of the prompts at that number ( XXXX ) offers XXXX XXXX. 

I contacted Citibank customer service XXXX to ask if my husband 's account had been turned over to a collection agency and to say that I suspected fraud, the representative transferred me to XXXX XXXX. I spoke to XXXX and offered the reference # on the XXXX XXXX letter. I was advised the call was being recorded. I was asked for dates of birth and XXXX of my husband. I asked the reason I was being contacted and she advised she could not tell me! She did finally confirm the account was Citibank. I explained it seemed like a scam and I would be reporting the contacts to government agencies. She said she would remove my phone numbers and ended the call. 

The balance has been paid on the Citibank account, but the harassment should be acknowledged.