23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a {$6500.00} XXXX credit card account with a balance of {$6100.00} in XXXX. In XXXX I had gotten laid off from my job and worked out a fixed payoff plan and had paid over {$2000.00} by XXXX. I missed XXXX payment and they bounced the balance up to {$6500.00} stating the reasoning was because of the payment arrangement that we had. I told them that I would agree to settle with the remaining {$4000.00}, and felt cheated since they basically " stole '' {$2100.00} from me, but they would not have it. They ended up sending me to collections and then put a lien on my house. That house was sold in a short sale in XXXX and in XXXX I got notification that XXXX was attempting to collect {$10000.00}. I ignored it and figured it was a scam because I never had any account with them for {$10000.00}. Now I am trying to buy a house, it is over 8 years since I had the debt, and I come to find out that a company called PERSOLVE, LLC ( Account Resolution Associates ) is claiming I owe them {$10000.00}, apparently from this credit card account, and is preventing me from buying a house. Should n't this have been settled with the Lien in XXXX? How can they legally come to me 6 years after the lien and try and collect over 2 times my remaining balance of {$4000.00}?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX accnt # XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Trafficking-Debt final Rule 1002.142 ( b ) ( 4 ) -51002,142 ( b ) 7, I kindly request that you block this information from my credit report within four business days pursuant to section 605C of the Fair Credit Reporting Act I am a victim of human trafficking of Debt Bondage and would like for all listed Accounts to be blocked and deleted company information Equifax .Please delete the following Account XXXX fin Account Number XXXX XXXX XXXX i Account Number XXXX XXXXXXXX XXXX  Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX payments are showing on the following on my credit report. 
XXXX XXXX XXXX 3 missed payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Flagstar Bank 3 missed payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Child Support Enforcement 22 missed payments : XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ; XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX In accordance with the fair reporting act, this creditor has violated my rights under 15usc 1681section 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 an account without my written instructions. under 15 usc 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose. 

thank you XXXX XXXX
Product: Debt collection

Calls from Portfolio Recovery Associates from several spoofed numbers. Seemingly becoming XXXX, as I owe no debts nor do I have collections. These calls are becoming disruptive to my work and home life. 
The following are the dates and times in reference to the complaint ; most recent first. 
XX/XX/scrub>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: Payday loan, title loan, personal loan, or advance loan

12 CFR 1002.6 ( b ) ( 6 ) states, in part, that " To the extent that a creditor considers credit history in evaluating the creditworthiness of similarly qualified applicants for a similar type and amount of credit, in evaluating an applicant 's creditworthiness a creditor shall consider : On the applicant 's request, any information the applicant may present that tends to indicate the credit history being considered by the creditor does not accurately reflect the applicant 's creditworthiness ... '' I literally just want to know what information I can submit that will tend to prove that information on my credit report is not indicative of my creditworthiness. That is it. These people have responded to my email about this issue and, in the email, they told me to call but I don't have phone service and nobody every answers. They easily just EMAIL me the information that I have requested but they are XXXX  and I don't have time for the XXXX. 

I do NOT have a loan with OneMain Financial but would like to obtain one.
Product: Credit reporting, credit repair services, or other personal consumer reports

US BKPT CT TN XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX/XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed XXXX/XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed  + 'icon ' Processed XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed filed ftc
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section ; States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cost to believe that the information is inaccurate Also, I never lived at these address 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX and XXXX XXXX XXXX XXXX, CA XXXX or know anything about them.
Product: Debt collection

I received a email from zelle and I called the support number which is when I tried to explain that they have the wrong email and I don't have a zelle account which is when I was called a bunch of XXXX and XXXX  that it is My account I  XXXX XXXX My kids are XXXX  so I hung up and made a police report along with the email address which it came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent {$72.00} to a collection agency because of a transfer to service within their company without even calling me about it
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the incorrect status of an account. I was in Chapter XXXX Bankruptcy from XX/XX/XXXX to XX/XX/XXXX. I have 3 accounts with XXXX XXXX XXXX that were included in the Bankruptcy the account numbers are XXXX, XXXX and XXXX. Experian is reporting one of these accounts with a recent delinquent payment history even though the account has been closed for over 5 years and was included in the Bankruptcy. Two of the accounts with XXXX XXXX XXXX have the correct payment status of " Debt included in or discharged through Bankruptcy Chapter XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am a victim of identity theft and need the following accounts to be deleted from my credit report. I have submitted documents to the credit bureaus multiple times and the items still have not been removed.
Product: Vehicle loan or lease

XXXX : Notice of Intent to Sue Dear Santander Consumer USA, This letter is to inform you that I have a claim against you On XX/XX/2021, for the contract where information was not disclosed on my contract within the XXXX XXXX, and you have several violations. Therefore I am sending you this letter and I am serving you and giving you the opportunity to settle out of court. 

The Right of Rescission, Pursuant 15 USC 1635, 15 usc 1605, 15 usc 1611, 15 usc 1640, for actual damages you have caused, also 15 usc 1602 ( f ) ( g ) ( I ) ( L ) The claim has not been resolved and unless it is resolved within 15 calendar days from the date of this notice, I intend to bring suit against XXXX Santander Consumer USA XXXX for XXXX damages or specify relief ). Report a positive balance this month and every month after to the credit bureaus for the accounts to reflect in a positive standing currently after my title is given to me free and clear of any liens. Please send the title and total invoice amount to the address listed. I am seeking compensation for the damages. To resolve the dispute or claim, I am willing to settle this out of court with the following. ( settlement offer listed above ). This offer is good until 30 calendar days. Unless resolved in accordance with the terms of this letter, you will be served with my XXXX XXXX. 


Your attention is appreciated. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi. I bought out my XXXX XXXX XXXX lease from Toyota Financial Services. They received my check of ( XXXX $ ) on XX/XX/XXXX, and closed my account. Before this my monthly payment deadline used to be the XXXX. This month I saw that they have reported to all 3 credit agencies ( XXXX, XXXX, XXXX ), that I have missed my XXXX, 2023 monthly payment and as a result my credit score has dropped XXXX to more than XXXX points across them. I am trying to buy a home now and this has almost made it impossible for me to go ahead on this now. I sincerely request your help to hold them accountable and rectify this mistake as soon as possible. 

Thank you.
Product: Credit card or prepaid card

In XXXX, my Citi XXXX World Mastercard was stolen ( I believe it was skimmed at a gas station ). Numerous fraudulent charges were incurred on my card. Citi alerted me to the charges and we worked together to resolved almost all of them. However, there was one charge that was never refunded to me, and not only that, the charge in question is a subscription service to XXXX, a cable service, which has been getting charged {$89.00} to my card every month since. I have now been charged {$89.00} in XXXX, in XXXX, in XXXX, and I am expecting it to happen again in XXXX.The amount I have been charged fraudulently so far totals {$260.00} and counting. 

I told Citi that the XXXX charge was fraudulent during our initial conversations when the card was first stolen, but this charge still remains the one that was never refunded to me. Since those initial calls in XXXX, I have called them at least a half a dozen times and have spoken to at least ten representatives about the issue over many weeks ' time. My card has been cancelled and reissued three times and I have been assured many times that the problem is being taken care of, yet I have never received any refund for the charges AND my card continues to get fraudulently charged on a monthly basis for a XXXX account that is not mine. 

I just want my money back, I want my card to stop getting charged every month, and I want this customer service nightmare with Citibank to end.
Product: Credit reporting

sent in XXXX certified notarized letter and was ignored I did not authorized any of these inquiry and Experian has not right to update an account that over 10 years old via fcra please remove the following ( 1 ) XXXX XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( 2 ) XXXX XXXX XX/XX/XXXX ( 3 ) XXXX XXXX XX/XX/XXXX
Product: Mortgage

I am in XXXX health and just had a XXXX. I am on XXXX and that is my only income. There was no possible way to pay for the home so we have been working with the mortgage company, Citi Mortgage, for over XXXX months. We were told if the home was on the market for XXXX months we could do give them the dead and walk away because of what they called hardship. I have sent in paperwork over XXXX to XXXX times and each time they let it expire before they look at it and demand it all over again. Each time the correct paper work is sent in, checked and verified, then left to expire again. We have to set up appointments each and every time just to speak to the woman who is to help us and every time she has no idea what we are talking about and we have to explain the same thing over and over. Now the home is going into foreclosure and they still act like they know nothing about the paperwork we send in over and over. I am afraid my home will go into foreclosure with out them even trying to work with us. I have XXXX to live on and with the XXXX taking every penny I have just to live, I can not afford to hire an attorney. Is there anything that can be done just to get them to hear my side and get this taken care of. I have done everything they ask of me, but they just put it off and act like they want only to foreclose.
Product: Credit reporting or other personal consumer reports

I'm writing to address unauthorized accounts on my consumer report linked to identity theft. These accounts lack my written authorization or wet signature for inclusion. Following my recent communication with your organization, I formally request the immediate blocking and removal of these accounts from my report. 

These inaccurate entries misrepresent my credit history and obligations, causing significant emotional and financial strain. They've impeded crucial financial goals, including home purchase and meeting family needs. If not promptly addressed, I'm prepared to pursue legal action to protect my rights and seek resolution.
Product: Credit reporting or other personal consumer reports

An account from XXXXXXXX XXXX XXXX XXXXXXXX was deleted from all credit agency reports after this account was charged off in XX/XX/XXXX as it was also Written off with the balance of {$9100.00} After this account was deleted from my credit reports, a collect company appeared on my credit report for this charged-off debt from XXXX XXXX XXXX 

When I contacted the collection company, I was told the account was sold to : XXXX XXXX  : This collection company never sent me a notice that they had this account in their office. 

I called XXXXXXXX XXXX XXXX XXXXXXXX on XXXX to see who holds the collection of this account. XXXXXXXX XXXX XXXX XXXX XXXX told me he did not know who now holds this collection. 
I could call bank on the next business day and he might have some information for me, as he did not have any information about this account in his files at their office. 

On XXXX I called XXXX XXXX back and spoke with XXXX again, who told me the last known collection company for this account was with XXXX XXXX XXXX XXXX XXXX XXXX 

On XXXX I called XXXX XXXX XXXX XXXX who informed me the account was sold to : XXXXXXXX XXXX he gave me their number and account number. 

On XXXX I called XXXX Collections and spoke with XXXX XXXX who informed me the account was no longer in their office, that it might have been sent back to XXXX XXXX back in XXXX of XXXX. 

On XXXX I called XXXX XXXX  and spoke with XXXX again, who informed me, that the statute of limitations on this account was up and this account was no longer able to be collected. He said, he will accept a settlement offer of {$13000.00} if I was willing to pay this. I told him the last known balance with a collection company was only {$9100.00}. He informed me that if he was to accept a settlement offer from a charged off account that was already closed, they were adding interest to this loan. The account is charged-off and closed, but they wanted to collect an additional {$4300.00} on a debt that is uncollectible due to the statues being up on this account. 

The vehicle was repossessed in XX/XX/XXXX ... Charged-off, and then sold many time to different collection companies, from one collection company to another collection company. Because no collection company kept the debt, and the original creditor XXXXXXXX XXXX sold it, they decided to say they now had the debt back in their office, when just the day before, XXXX was working on helping me locate the collection company that had bought the debt. Therefore, the debt was paid when the collection company purchased the debt from XXXXXXXX XXXX back in XXXX. 

XXXX XXXX removed the original account from all credit bureaus back in XXXX, and now decided to collect on a debt that is uncollectible and place it back on the credit reports.
Product: Debt collection

I get XXXX collections account under my name with Forest Recovery Services for XXXX differences amount who does n't belong to me. I want this collection to stop calling me and harassing me on the phone and I want this debts to be removed immediately from my credit report. I do not have any idea who this company his.
Product: Checking or savings account

This is regarding XXXX fraud claims I have filed. 
Claim XXXX - Claim ID : XXXX Claim XXXX - Claim ID : XXXX Bank of America did not properly help me into investigating the transactions. These XXXX claims were thus reversed. I suspect no agent did any investigation because Bank of America did not contact me after I had told them to start these XXXX transactions with the proof I have from my side. I have XXXX footage, XXXX police departments from XXXX and my local town police department, who know me so well because they have already tried helping me get my money refunded and credited by Bank of America. Furthermore my flight ticket proves indefinitely that I was out of the United States when these fraudlent transctions were posted, furthering the evidence that it was not me or anyone I know because no one knows my ATM PIN. Additionally, I suspect that XXXX agents over a period of XXXX weeks when I called Bank of America gave me XXXX different fax numbers when I stated the correct department I wanted to fax these proofs to ( the fraud department ), thus the system never got my proof and they immediately ruled that the transactions were done by me and/or someone I know, with a system error I highly suspect. Lastly, when I kindly and specifically asked for proof they had collected from " all '' the merchants they refused, saying they do not provide these " proofs from merchants '', so I contacted my friends and family at other major banks and they all said, for example, " Yes, XXXX Bank, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX always will provide proof they collected from the fraud investigation to the victim if they ask for it '' but when I asked XXXX agents on the customer service from Bank of America they refused and said they will send the " result of the investigation pdf to me via email and mail ''. They are changing the subject of the conversation and mailing the paper I did not ask for, which makes me sad because only CFPB will help me. They refuse to provide proof they collected from the XXXX fraud investigations provided that they actually reached out to the merchants involved in the first place. And lastly, when I called in for the last time to inquire about my investigation, only when I threated to sue them, they magically said " oh wow, the back office recieved your fax today, they will contact you further on. '' No one did, I do NOT believe Bank of America did an investigation at all, even after a resubmission. They just took my money, I am worried because I lost around {$4000.00} for the first fraud claim and {$400.00} for the second fraud claim. I need to be credited because this is stealing my money. And I am aware of the controversy around Bank of America 's past by stealing their customers money without the customer noticing just like XXXX XXXX XXXX  controversy. Please help me CFPB. I will provide all the proofs I stated above to my best ability, including my airline ticket proving that I was in XXXX during the time of the fraudelent activities.