23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX is consistently harassing me. The company has called from different area codes repeatedly every day for months, even after I have asked them to cease calls. They also send mail even after relocation to a different address that I do not provide to them. I have never received validation that the debt owed is my debt. I have disputed against the company on numerous occasions and there has been no resolution. Upon further investigation, the state of North Carolina requires collection agencies to be licensed within their state. XXXX XXXX XXXX XXXX is not licensed or registered with North Carolina 's Secretary State and should therefore be removed from all credit bureau agencies immediately.
Product: Money transfer, virtual currency, or money service

sale of property XXXX XX/XX/2022 - wire transferred on XXXX XX/XX/2022 XXXX XXXX wire confirmation confirmation details received XXXX  no # XXXX of {$330.00} XXXX USD to my citibank checking account : Citibank confirmed receipt of funds on XXXX XX/XX/2022 XXXX XXXX following various enquiries and calls incl. Escalations to upper management, funds are under review by Citibank compliance with no further clarification or requirements pending verification. More than 20 calls has been made to Citibank with no progress nor proactive resolution actions or results- zero communication from Citibank regarding status or requirements. 
XXXX XXXX, Florida has not received any request or investigation trace for resolution to release the funds Title company has not received any request for resolution or verification
Product: Credit reporting, credit repair services, or other personal consumer reports

I started my comenitybank/victoriasecretpink card acount for four years and set up an automatic payment service to avoid late payment. However, last XX/XX/XXXX I started to receive text message which says " we keep missing you, call comenity bank @ phone number or log on the website. '' Since it's not convenient to call, I clicked the website and try to log in with my SSN, and the page turned to 404 not found. I thought it's a scam so I stopped after several attempt. Then I kept receiving text message and email with the same content, every time I tried to log in, it shows 404 not found and I feel confirmed that it's fraud so I didn't care. 

This month, I realized that my purchase in XX/XX/XXXX haven't show up in my checking account, so I log in through Victoria 's Secret official site and it showed I have two missed payments ( XX/XX/XXXX and XX/XX/XXXX ) and my credit report has been badly affected by this late payment. I failed to apply for another credit card for this reason. Eventually, I paid for the balance as well as the fine, but I don't think it's my fault since their website kept bugged out. And the late/missed payment record in my credit report is not a correct description. 

I have been a credit card user for almost six years and never missed any payment, there is no way I missed this small amount payment on purpose. And I don't think it make sense to lower my credit score because of the bank 's technique issues.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw that there are inaccurate accounts on my credit report, dragging my score down. Its frustrating to think about how many opportunities I might have missed because of this.
Product: Mortgage

I have been communicating with XXXX in hopes to find a solution to avoid foreclosure on my home. I have submitted all requested documentation and have followed up with XXXX to ensure the process is going smoothly and to ensure I am doing my part. On XXXX XXXX, XXXX I received a letter from XXXX informing me that all of my documents have been received and that my file is being reviewed. Then a few days ago I am told that I was denied, and when I requested to appeal the denial I am told I can not. All my homeowner rights are being violated and I am not being provided a fair review of my application to avoid foreclosure. Additionally, I was never provided a denial reason verbally or in writing, I was not provided a chance to appeal the denial and lastly the foreclosure sale should have been postponed while I was in active review however XXXX continued to proceed knowing that is a form of dual tracking.
Product: Mortgage

Wells Fargo notified me that they sold my mortgage loan after five years. I had paid them on XX/XX/XXXX and then paid them again on XX/XX/XXXX Confirmation XXXX XXXXXXXX. The money was withdrawn from my account! 

I was told the transfer of information could take up to sixty days. I've received three statements from XXXX XXXX the new mortgage company , the latest today. They keep sending me a balance that is not correct. I have the last statement from Wells Fargo and deducting the payment on XX/XX/ what they are stating is not correct. No one wants to talk about it. I am a XXXX  citizen and would not want to be in default for an amount I already paid. XXXX XXXX keeps saying it's Wells Fargo and Wells Fargo says its XXXX XXXX not having the information. With all the technology a transfer of information is done with a click of a button!
Product: Debt collection

On XX/XX/year>, I received a letter from XXXX XXXX. XXXX, XXXX for Neuhauser Law PLLC stating that they were demanding payment in the amount of {$13000.00}. in reference to medical debt owed by my mother, XXXX XXXX, to XXXX XXXXXXXX XXXX XXXXXXXX. At no time have I ever assumed financial responsibility in any way for my mother. I do not know how this attorney received my address, as I have not received, or should I receive, a bill from XXXX XXXX XXXX XXXXXXXX. However, they are demanding payment. 

On XX/XX/year>, by certified USPS mail I mailed a written dispute to them.
Product: Debt collection

It is showing up on my credit report with different dates and the information has not been correctly placed on my report and due to HIPAA Violates they can not have my medical information.
Product: Credit card or prepaid card

On XXXX XXXX XXXX XXXX, 2017 I went to the XXXX to look up people for a {$1.00} per person fee regarding public records of these individuals. Interference on my cell phone came through by text messaging where the bank asked if I made 3 transactions and check YES or NO regarding each. Two at {$1.00} each was made but the 3rd was not recognizable so I had to say NO and the access to the second persons data I was viewing ended and then I contacted the bank and they said fraud was taking place and they were to close the account. I spoke with the bank they gave me 2 verification # 's where my account was back and up and running and the automated banking service for my account said I had {$230.00} and some cents available and I went to the local XXXX  XXXX store for a {$7.00} purchase and the transaction was declined. I called the next day and my account was not recognizable by the bank and in 5-7 days I am to get a new # and card. Bank of America Visa is my account # XXXX, XXXX. XXXX XXXX, XXXX, Texas XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$9100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I applied for a credit card with XXXX XXXX XXXX. The next day they contacted me and asked me to lift the security freeze on my account. I never placed a freeze on my account and this has happened numerous times in the past.
Product: Credit reporting or other personal consumer reports

Recently I viewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX  XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Around, XX/XX/2020 I was paying my credit card bill on my Discover card. I sent money inside an envelope to Discover Card to pay my bill. So I sent in {$620.00} in 20 dollar bills and some one dollar bills. Some 10 dollar bills and 5 dollar bills to Discover Card. I noticed it never arrived on my credit statements. So I called Discover Card several times at customer service number. The lady that answered my Questions said they never received any money there and I knew that was not the case, so she said maybe the postman never picked it up or maybe the postman took it. I knew for sure he picked it up because I made sure he received it. So I called customer service again and I dont know if it was the same lady from before but this lady said go to the post office to check, so I did. I told the counter post office worker the problem I was having and he said the postman that picked up my mail would never go thru anyones mail even if he knew money was in it, and the postman definitely delivered the mail to Discover card and they received all my other mail that was sent to them. I found out that the post office counter worker was telling me the truth and Discover Card allegedly was not telling me the truth. I called Discover Card again to ask for my {$620.00} dollars back and I knew they had received my money all along. They said they cant help me ... sorry. I was able to send that amount of money to Discover Card because my car insurance company gave it to me because they owed money to me. PLEASE HELP ME RESOLVE THIS PLEASE. THANK YOU.
Product: Checking or savings account

On XX/XX/XXXX I made a mobile deposit into my Citibank checking account in the amountof XXXX. The deposit was made without issue. Funds were not available immediately. 
XX/XX/XXXX I received a notification that the deposit was accepted but then I was no longer able to get into the mobile app or log into on the website. 
XX/XX/XXXX I first called customer service and was told they were having issues with the app and site but the funds were still not available. 
XX/XX/XXXX I called XXXX again. Now the funds were available in my account but I received a letter in the mail saying they decided to close my account because of suspected fraud. This check is a pension check from the union that's been cashed every month since XXXX at the same time each month. 
I have talked to multiple people at the customer service, security and fraud depts. I've gotten nothing from anyone because after I finally was able after 4 days to verify my identity they said I needed to have someone from the issuers office call citibank to verify it was valid. 
I am the fulltime caregiver from my XXXX mother which whom I have full power of attorney. And I have never had any issues with cashing it. The check is endorsed by both her and I. Also, I am a single mom of XXXX XXXX XXXX and that money is detrimental to Us. I've had to borrow money to keep our utilities on. This has caused our family so much trouble and unjustified pain and my children shouldn't have to suffer for something that is completely unlawful for them to be doing
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXT XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

14. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some how my address was changed to an unknown address and is now reported to my credit report. Company could not tell me who or how my info was changed. I have absolutely no connection with the address. 

Loancare.com. They recently bought my mortgage from XXXX XXXX added that I have no connection with is .... 
XXXX XXXX XXXX unit XXXX XXXX XXXX XXXX mi XXXX
Product: Checking or savings account

Cashapp closed my account without warning back in XXXX. I have appealed it in XXXX XXXX XXXX XXXX and kept calling asking for a supervisor they will say a supervisor will reach out in 24 hours but never received anything and this been going on since XXXX! Have received no type of update or email regarding this and when you call customer aervice they are very rude and wont let you speak to a manager and will hang the phone up on you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my Equifax credit report. information on all credit reports are not valid. this has been an on going issue that is hurting my file. please review an check out all details in the report to clear my file to correct my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report XX/XX/XXXX and realized that there were a few mistakes One in particular from XXXX XXXX who has reported that there was a late payment XX/XX/XXXX.
1 ) I contacted XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX via phone and was told I must take up the matter with the bureaus and was not able to get an explanation or additional information 2 ) I Disputed this late payment via certified mail to all 3 credit bureaus in XX/XX/XXXX. It has been over 30 days and have not received any correspondence thus far.
Product: Money transfer, virtual currency, or money service

Have been in contact with this person since XX/XX/XXXX. 
XXXX : XXXX Informed us that the puppy was available for XXXX $ including shipping and health guarantee they prescreened me and sent me over the signed copy of Bill of Sale and Transfer of ownership papers so I can sign and send back Sent them XXXX $ via XXXX transfer on XX/XX/XXXX. 
then the Shipping company got back to me saying, the shipment of puppy is held back because the crate was not upto the standards and i could rent their crate for a refundable deposit of {$1500.00} to proceed, made this transfer via XXXX on XX/XX/XXXX. 
Today as of XX/XX/XXXX, I never received the puppy and the shipping agency is asking for XXXX $ as a refundable deposit for the pet insurance as some pet policy. 
Neither the shipping agency nor the shipper are responding to my calls or texts. 
After realizing that this is a scam made several calls trying to get help from customer protection from chase bank all they say is the transaction was made through 3rd party  XXXX and they can not do anything about it
Product: Mortgage

I had a home loan bought by Wells Fargo, the home was in Wisconsin. I had to take a job in another state in XXXX. I tried to sell the home but was unable to do so and was unable to make the payments. I spoke with Wells Fargo about different options for relief and we decided that " Deed in Lieu of Foreclosure '' was the best option. I filled out their documentation and it appeared to be approved but Wells Fargo tricked me and foreclosed anyway. I lost everything including my credit score. I believe I am entitled to compensation from an agreement Wells Fargo made agreeing to make amends to those affected by this illegal practice. I have tried several times to get relief from Wells Fargo directly but always get the run round. I spoke with them yesterday ( XXXX ) but still got nowhere with them. This has been a never ending process.
Product: Credit card or prepaid card

Before moving overseas in late XXXX, I called in to pay my USAA credit card account in full. During the conversation the representative, they let me know that the payment was completed, however, it was not. I did not find out about this until I returned to the U.S.. Once I did I spent time trying to figure out what had happened and then paid the balance. the representative admitted that they made a mistake entering my account number and once paid this item could be corrected on my credit report. Another issue was that I had always received email bills and statements, but I never received anything involving this bill. 
I have tried talking with USAA on getting this resolved as well as the credit bureaus, however, I have gotten nowhere.
Product: Vehicle loan or lease

I contacted them and told them i was on XXXX  orders and wasnt in the States. I had no ways of communication with anyone. I was on Orders for the United States XXXX. I have Orders. I am XXXX XXXX XXXX Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED A RECENT REPORT OF MY CREDIT AND FOUND SOME INNACURATE ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE DEROGATORY ACCOUNTS DOES NOT BELONG TO ME AND THEY ARE CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. IT HAS BECOME VERY STRESSFUL TO ME BECAUSE I SHOULD NOT HAVE TO GO THROUGH THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a chapter XXXX bankruptcy shown on all 3 bureau reports 2-4 times over the past 1-2 years. They all say they confirmed and it will remain on my credit. I know they are lying and did not confirm, as i do NOT have a chapter XXXX. This has negatively affected my credit for the past 3+ years. Thus my complaint is against equifax, XXXX and XXXX for inaccurate and unfair reporting practices. 
I want them to remove this immediately. Some of my accounts that I paid off even are marked as " dismissed in chapter XXXX ''!!! Its betong infuriating, years of fighting this. Thank you
Product: Debt collection

AllianceOne the debtor acting as Debt Collector, is making claim against XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount of {$1300.00}. AllianceOne is in violation of Title 15 USC 1693e. ( 1 ), ( 2 ) ( a ) ( b ), ( 6 ) ( a ) ( b ), ( 9 ) and ( 10 ) NOTICE OF SURETY ACT & BOND No. XXXX XXXX XXXX XXXX XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument XXXX Recorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts AllainceOne may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax. My problem is XXXX XXXX XXXX XXXX collection company for XXXX  XXXX XXXX never Validated the so called debt. I have sent repeated letters for them to provide proof that I owe what they say I owe. They have sent me absolutely nothing! Section 809 B makes it clear that they must validate the debt. They did not send me anything because they have no proof I owe what the say. They claim there client the so called  original debtor was XXXX  XXXX XXXX. I do not have gas. I live with my momma. So how is it I owe you this money in the amount of {$280.00}? Provide competent proof { which you cant cause it does not exist } or simply Delete this account as the law states. 


XXXX XXXX XXXX is allowed by Equifax to break the law. I have sent more than 6 letters to XXXX XXXX All certified mail which Equifax has on record. XXXX XXXX refuse to even respond to my request of validation as the law allows in section 809 { b  } I have ask them to several questions that XXXX was unable to answer and it appears they have mixed me up with someone else as now they are reporting this account as paid in full. I am now requesting Equifax to remove this account from my records as this account is not accurate they are unable to verify or validate this account. Its clear this is error. The law makes it very clear that collection companies must report accurate information to credit bureaus and Credit bureaus must report accurate information. If they can not it must be Deleted.