23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A derogatory mark showed up on my credit report on XX/XX/XXXX via Genesis XXXX from a rental property named XXXX at XXXX located in XXXX XXXX. I immediately submitted fraud claims through XXXX, XXXX, XXXX XXXX, and contacted Genesis XXXX  to get more information. 

I was told by a representative of Genesis that they emailed the fraud claim paperwork ( not paperwork, it is just text in the body of an email ) to an email that was not owned or operated by me. I was asked to provide my social security number to them over the phone, but I was not comfortable doing so, as this debt is fraudulent and they did not appropriately verify my identity before discussing the claim with me. I am waiting to hear back from them regarding documentation required to reverse these collections and learn more about what information was provided by the fraudulent renter. 

The debt collection is in the amount of XXXX and was sent to collections on XX/XX/XXXX. I have not been to XXXX XXXX in several years, and have never lived or rented there. Additionally, the collections account is under my maiden name, XXXX XXXX and attached to my parent 's address, not mine. See attached downloaded email from the collections agency. I only received this on XX/XX/XXXX, without any prior written, verbal, or email communications from them. 

My credit is and has been locked through XXXX for a long time, and I only unlock it when I need to.
Product: Payday loan, title loan, personal loan, or advance loan

On Sunday XX/XX/year>, I registered a new user account on the Bright Money App to apply for their short term cash advance. During the sign up process, the Bright app offers optional paid memberships for access to additional financial services, which I bypassed to reach their cash advance application. After I submitted my application for the cash advance, I was promptly denied. Shortly thereafter I was reading through the apps XXXX reviews section, and I was alarmed to see significant amount of negative reviews with warnings about the app unexpectedly charging cash advance applicants a {$97.00} membership fee. In order to prevent that from happening to me, on XX/XX/year> I replied to an email sent to me from Bright Money ( XXXX ). In my reply I formally requested immediate cancellation of any membership I may have unwittingly signed up for in the process of applying for their cash advance. My reply was sent at XXXX. On XX/XX/year> more than 24 hours after I submitted my cancellation request, Bright charged my bank account for {$97.00}. The reason I had applied for Brights  cash advance was to pay for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  close family member. After Bright denied my cash advance application, I had to borrow the funds from someone else. As I tried to pay for the XXXX  at the pharmacy, my card was declined for insufficient funds because Bright charged my account. Now my family member will is at extremely high risk XXXX XXXX XXXX XXXX XXXX without their XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the accounts in my file that resulted from alleged identity theft but I have some accounts left that need to be removed. Per FCRA section 605 you are required to remove any accounts listed below. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt is my ex wife, I have requested to be removed from my name as authorized user and per divorce agreement she is responsible for the debts
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy : Voluntary XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX/XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, GA XXXX XXXX : XXXX, XXXX XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX Experian : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$390.00} US DEPT ED XXXX Balance : {$2100.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$5600.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$5600.00} XX/XX/XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$6600.00} XXXX  XXXX Balance : {$35000.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX Balance : {$7400.00} US DEPT ED XXXX Balance : {$5600.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$2200.00} XX/XX/XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5900.00} US DEPT ED XXXX Balance : {$4600.00} US DEPT ED XXXX Balance : {$2400.00} USDOE/XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Student loan

ON XXXX/XXXX/XXXX I contacted South University online by requesting and paying the fee for an official transcript. After not receiving my transcript, I contacted South again via email on XXXX/XXXX/XXXX and an unofficial transcript was faxed to my requesting party with the promise of an official transcript being sent out the next morning. At XXXX XXXX/XXXX/XXXX, I received an email advising me that my transcript request could not be processed and that I needed to contact the included phone number. On XXXX/XXXX/XXXX, I contacted the number and was told that my debt had been sold to a collections agency by the name of XXXX XXXX XXXX and was given a number to contact. I completed my degree in XXXX. I have not heard from South since with the exception of receiving a check at the end of the last term. I have not received any phone calls or letters advising me of a balance and would not have expected to because the school was paid before I was and I did receive an excess check. Now my issue is that my employment is being held up because I ca n't get my official transcript. Also, if my debt was sold to XXXX XXXX XXXX, I no longer owe South University, I owe XXXX XXXX XXXX and at no point and time have I been contacted by them. So my official transcript should be sent to me.
Product: Credit card or prepaid card

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Capital One Bank absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Product: Credit reporting or other personal consumer reports

My XXXX  credit report includes a debit which is shown as a charge off with XXXX balance. UPGRADE INC. Account number XXXX. Date opened XX/XX/year>. This debit is part of my XXXX XXXX unsecured debit-consolidation of 2023. XXXX XXXX is paying monthly payments based on an agreement with the creditor UPDGRADE INC. However, the creditor will not remove this from my credit report or update to reflect a current payment arrangement.
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. Please CORRECT and UPDATE the following accounts : XXXX XXXX, XXXX XXXX
Product: Debt collection

We are writing to file a formal complaint against XXXX XXXX XXXX concerning their repeated and unlawful collection activities, which contravene the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, and XX/XX/year>, we received multiple collection statements from XXXX XXXX XXXX. Despite promptly responding to these statements, we were issued a debt validation on XX/XX/year>. However, this validation did not indicate that XXXX XXXX XXXX owned the debt. Per the FDCPA, we sent another letter on XX/XX/year>, requesting confirmation of the debt ownership. 

In their final correspondence, XXXX XXXX XXXX stated they are not obliged to disclose whether they own the debt. This response goes against FDCPA regulations, especially since I have an ongoing dispute regarding this debt with XXXX XXXX. 

The core of our complaint is that XXXX XXXX XXXX has failed to cease collections despite not providing adequate proof that it owns the debt. Their actions have caused significant distress and confusion. We seek the Consumer Financial Protection Bureau 's assistance in ensuring that all collection activities by XXXX XXXX XXXX cease immediately, allowing us to address the debt dispute directly with XXXX XXXX and pursue the cancellation of my contract with them. 

We appreciate your attention and look forward to a prompt resolution. 

Sincerely, XXXX and XXXX XXXX
Product: Debt collection

Merchants Adjustment Service ( MAS ) has " willy nilly '' placed a {$110.00} collection on my XXXX credit report. It does not state the original creditor, so in actuality MAS is stating that I owe this money to them. This is bogus reporting and is causing a hit to my credit score. I do not owe this company anything and, judging from MAS ' reporting method, it has no idea whether the information is accurate or not. Just an MAS employee trying to make a quota to my detriment.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the following account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

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: Debt collection

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY MINE! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP PHONING ME IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

I attempted to send XXXX XXXX on XX/XX/XXXX to my using Amex Send, however, the transaction failed but the funds did not go back to my amex send account. I called XXXX and they said on their system the transaction failed and they never withdrew money from the amex send account. However, Amex is refusing to credit the funds back to my Amex Send Account. So now I am out of almost XXXX XXXX and can't pay my rent this month and I don't know where the money is. I have attached a screenshot showing the funds being withdrawn from my amex send account on that date, and showing it still hasn't been returned yet.
Product: Credit card or prepaid card

Claim Number:XXXX File Date:XXXX Claim Type : Trip Cancellation/Interruption Claim Status : PEND Claim Details : Incident Information : Date of Cancellation/Interruption : XX/XX/2019 Country : USA State : NY Brief Description : My daughter XXXX XXXX was diagnosed with XXXX XXXX XXXX and was not able to go on the trip. The following charges should be reimbursed for her : Non refundable airline ticket from XXXX : {$510.00} Lodging : {$48.00} Tours : {$20.00} Total : {$580.00} Trip Details : Departure Date : XX/XX/2019 Return Date : XX/XX/2019 Claim Filed Against Carrier : Y Reimbursement From Carrier : Name of the Carrier : XXXX XXXX Amount From Carrier : {$510.00} USD
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accts nos.XXXX and XXXX are accounts that I have reporting to XXXX , XXXX AND EQUIFAX . 
The accounts are closed.Both accounts have a balance that is less than the credit limit.All of the accounts have been intentionally misreported following each and every credit dispute with each of the BIG 3 bureaus as to whether or not they are open or closed or what the current balance was at the time of the dispute.I perceive this occurs because XXXX XXXX has no interest in adhering to the strict standards of accurate and complete credit reporting as required by the FAIR CREDIT REPORTING ACT. 
In each and every dispute, the disputes are answered to XXXX XXXX in an automated fashion as of the previous statement cut date ... and therefor the only 'guaranteed ' days of accurate credit reporting are on the statement cut date themselves.Each and every intentional misreporting of credit carries a {$1000.00} statutory penalty to be paid by the subscriber and co-operating bureau ( where negligence and intent can be proven ) .I may have to file suit to collect, yet this complaint this day is a record of notice to all three bureaus of XXXX XXXX   INTENTIONAL MISREPORTING AS A PATTERN AND PRACTICE.THE CORRECT REACTION OF ALL 3 BUREAUS IS TO NOT ALLOW THE REPORTING OF CREDIT BY XXXX XXXX UNTIL THEY WILL ABIDE BY ALL CREDIT REPORTING LAW. 
THIS OFFENSE COULD AND WILL BECOME A CLASS ACTION INITIATED BY ME.IT IS SUSPECTED THAT ANY DISPUTE BY ANY CUSTOMER OF XXXX WILL BE INTENTIONALLY VERIFIED AND MISREPORTED ... thousands or millions of XXXX   customers are being harmed with the cooperation of the BIG3 credit bureaus as of today 's date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove address XXXX XXXX XXXX XXXX NV XXXX. I am no longer reachable and dont live there and I dont want anyone opening important letters, bills and statements by someone and to prevent any identity theft and fraud activity. Please only put one address on my credit file and my name showing on my drivers license only. i attached copy of my drivers license.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX, whom I had an account with in XXXX, made a charge-off/ write-off on my credit report. I spoke with the company and requested a 1099C form, which they agreed to but I had never received. The company continues to harass me via phone calls and emails. In XXXX, I had the same issue with XXXX XXXX, who had placed a write-off/ charge-off on my account. Once again, the company failed to send me the form necessary to credit the charge, which is also the 1099C form. I would like to request to remove the charges from my credit reporting agencies. Any assistance in the matter would be greatly appreciated, and Id be happy to offer any extra information as needed to further the case forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint XXXX. USAA FSB took ownership and responded to CFPB incorrectly. USAA FSB is not involved in this claim and I was corresponding with USAA. USAA FSB should not of answered this complaint at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XX/XX/2025 XX/XX/XXXX XX/XX/XXXXXXXX XXXX Subject : Dispute of Inaccurate Account Request for Removal Dear [ CFPB ], I am writing to formally dispute an inaccurate account appearing on my credit report. The account in question is : Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX has already removed this account from my credit report, and I am requesting that Experian & TransUnion do the same. I have attached a copy of my XXXX credit report confirming the removal. Since one credit bureau has determined that this account should not be on my report, I believe it should be removed from all three credit bureaus. 

I am requesting that you investigate this matter and remove the account from my credit report. Enclosed are copies of relevant documents, including : A copy of my ID ( drivers license or passport ) Proof of address ( utility bill, bank statement, etc. ) A copy of my XXXX credit report showing the account removal Please complete your investigation within the timeframe required under the Fair Credit Reporting Act ( FCRA ). If the account is not removed, please provide me with documentation verifying the accuracy of this account. 

Thank you for your time and assistance. Please send your response to the address listed above. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

My loan was supposed to be converted by gap and it was totaled a few months after I bough it leaving me with a balance
Product: Mortgage

Quicken loans accepted us for a refi on our home until the appraiser noted that the power was off at our home. A little back story, In our area SE Michigan XXXX is the only elec. provider and when they came around with smart meters we said no, I get XXXX XXXX and XXXX, I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which these things which they are calling a meter put out, very high levels in fact.XXXX will tell you that they offer an OPT-Out plan and claim that the transmitter is turned off and when called and asked an operator about this option, they immediatly take offence and get a really nasty attitude and also act like they do n't know about any OPT-OUT plan.I talked to XXXX XXXX @ Quicken loans and he basically told me he could not help me if i did not call XXXX and turn it back on. So XXXX, XXXX XXXX and 3.99 % 15yr fixed with XXXX or 7.75 % adjustable at XXXX XXXX XXXX for another 18yrs.which is what we have now.My complaint is that, it is not like it cant be turned back on. When I told the appraiser our story he looked at me like I was nuts. Quicken loans is making me choose between my wallet or my health.Discrimination, because we dont buy power from the grid in which we only have one choice which is not much of a choice. This wont be the last words on this subject.i Will be emailing, phoning and sending letters. THIS IS JUST WRONG!!!
Product: Credit card

I called to dispute a fraudulent charge after receiving an alert via email that my card was charged an amount that we did not remember making. The email stated that we " tipped '' a merchant named " across the map '' over {$200.00}! I told them the situation which was that my mom and I went to a festival in XXXX, we did purchase tickets to the place but we certainly DID NOT tip {$240.00} and we didn't use it later in XXXX. The Citi bank instead of sending me an alert via email ( which is in my settings ), sends me a letter, which I received XXXX months later stating that because my chip on the card was present at the time of of the purchase of {$240.00} I will be responsible for this charge! I still don't have an explanation as to why they denied the second claim. I called to ask them for documentation so that I can make a formal statement that I am not ok with this decision. After being transferred by very rude representatives multiple times to departments that don't work, they finally connected me to a supervisor who refused to do anything!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is reporting inaccurate information. XXXX  and XXXX  are reporting a balance of $ XXXX.However, correspondence was sent to me from the debt collection agency XXXX XXXX, XXXX. that has a balance of {$2600.00}. XXXX  is reporting a Date Opened of XXXX and XXXX  is reporting a Date Opened of XXXX. XXXX  is reporting late payments for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. However, XXXX  is reporting late payments of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. XXXX  and XXXX  are reporting a balance at the same time reporting that the balance is Paid and Closed. I've sent in dispute letters due to the number of violations being reported. They still refuse to delete the account. I was never sent any documentation prior to the repossession such as Notice of Default and Right to Cure, Notice to Sale Property or an itemized deficiency showing balance.I want this account deleted for FDCPA and FCRA violations.
Product: Mortgage

I am applying for a VA cash out refinance loan. I have been given disclosure documents, and the loan has always been based on a 100 % loan to value basis. The lender knew this is what I required and said they could make this loan. 

Now at the very last minute, the lender says the VA guidelines have changed And they can only do a 90 % loan to value refinance. Oh I can not locate any VA guidelines supporting this claim by the lender.
Product: Debt collection

Atlantic Credit and Finance Inc. called and spoke with me on Thursday, XX/XX/2018 regarding a debt I have. I did not deny having the debt but requested the amount of insterest and late fees that accumulated in order to help bring the debt down so I could pay it off. The four representatives I spoke with all refused to look up the interest and late fees and continuously ridiculed and belittled me over the phone. XXXX, XXXX, XXXX, and XXXX are the representatives i spoke with and hung up feeling embarrassed and frustrated that they were unwilling to help me as I was calling to get this account back on track. They also threatened to sue me multiple times over the phone. When I hung up I called the original card company and asked for my last statement with all of the interest and late fees. My balance ( with no interest and late fees ) was {$940.00}. The interest and late fees totaled around {$820.00}! This company is trying to collect for {$1700.00}. Which is why I repeatedly asked for the amount of interest and late fees to help drop the balance and allow me to pay off the debt faster. I also tried to negotiate the debt to have it paid off faster by the end of XXXX and they refused to negotiate or work with me.
Product: Mortgage

For two weeks now I have been trying to get a payoff document from my mortgage company so that I may sell and close on my house. I have contacted them by email and submitted a request over the phone, but have not been able to talk to a live person. I am number 52 in line as of this complaint. I am running out of time for the closing and can not get a response.