23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have had multiple times Ive sent payments through Zelle to the wrong number when I buy food at my work at XXXX when they have new trucks outside or when they changed theyre numbers out of the blue and other occasions when sending money to friends/family money and accidentally mistyping the number, and buying from stuff onXX/XX/XXXX and XXXX marketplace when I sent them money and didnt receive my stuff and having no way of recovering the money
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I had been a victim of identity theft. I found numerous accounts on my credit report that I had not opened. This has been hurting me as I am in the process of buying a home for my family. Please remove these Fraudulent accounts from my credit report as soon as possible.
Product: Mortgage

My loan was bought by XXXX and after sending in my mortgage payment in split payments it appears that XXXX XXXX have placed one of the first payments into principle only status. On XX/XX/year> and on XX/XX/year> I have been trying to get them to acknowlege it and correct the issue. On XX/XX/year> in an email they are insisting that they have not received all payments and claim I am past due. On XX/XX/year> I responded using their website that I did make all payments with attached files showing screenshots from their website my payment history showing that they did received all payments and are up to date with my payments. It also shows that they routed one of my payments incorrectly causing the issue of not being up to date with my payments.
Product: Debt collection

Dont no this creditor or had any communication with this company information is wrong put a bill on my credit report that I never had fraudulent information on my XXXX credit report XXXX XXXX {$510.00} asked company to remove it fraudulent information XXXX XXXX company do not exist anymore
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/XXXX and noticed several inaccuracies. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information in consumer reports. The accounts listed below contain incomplete and inaccurate information. These accounts must be deleted immediately due to violations of XXXX XXXX XXXX ( a ) & ( b ), and XXXX XXXX XXXX XXXX b ). 

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This Address is not mine and must be DELETED from my credit file immediately. 
2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This Address is not mine and must be DELETED from my credit file immediately. 
3. XXXX XXXX XXXX Account Number : XXXX Date Last Active : XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX, XXXX reports XX/XX/XXXX XXXX a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report. Remove this inaccurate information immediately from my credit report. 
4. XXXX XXXX XXXX XXXX Account Number : XXXX This is getting ridiculous. I have no record of this account ever belonging to me. You need to remove this inaccurate information ASAP from my credit XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This is not my correct address. Remove it immediately from my credit report. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This is not my correct address. Remove it immediately from my credit report. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Date Last Active : XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX, XXXX reports XX/XX/XXXX Please perform an investigation to determine whether or not this account belongs to me, as I am unable to recognize this business. Please erase this from my credit report. 
4. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX confused about the account number and account name in this account. Clarify this information for me or else remove this account immediately from my credit history report. 



And one more thing according to XXXX XXXX XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Check the attachments sent below
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not disputing anything on my credit report as of today. Please open my credit file if you still have any type of block on it thank you. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have several accounts that I have never been late on and they are being reported as being late and closed.
Product: Consumer Loan

I scheduled a payment to post by XX/XX/XXXX to my USAA Loan, prior to the due date of XX/XX/XXXX to ensure the loan was paid before it reached 30 days past due. Now I have a letter dated XX/XX/XXXX saying the payment is 30 days past due and it is in default and needs to be paid prior to XX/XX/XXXX to avoid other collection activity. Now obviously the payment has been made and has posted but I do not agree with it being reported 30 days late. I scheduled the payment online to post by the XXXX and it did not. It posted on the XXXX ... the same happened with my auto insurance payment although that payment posting date is not an issue. Please make contact and discuss with my wife as she will be handling this on my behalf.
Product: Credit reporting or other personal consumer reports

I am writing to address the delinquent accounts listed on my credit report. Upon recently receiving a copy of my credit report, I was prompted to question the sharing of my information without my explicit consent. The dissemination of inaccurate and incomplete information has caused me significant stress and XXXX 

-- -- -TransUnion -- -- - 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received an alert from my Equifax XXXX XXXX XXXX subscription service that Equifax added a new address to my credit report. I immediately logged in to see the details and found the new address was incorrect. The INCORRECT address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX The second line in the above address is completely incorrect and should be eliminated. 

The CORRECT address should be : XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX I attempted to dispute the incorrect address and was guided to log in to a different Equifax account specifically for disputes. When logging in to that service, I forgot my passport. When attempting to reset the password, I told me to call Equifax at ( XXXX ) XXXX. I did call and was met by an extremely incompetent and useless Equifax overseas representative. The representative refused to accept my dispute. Further, she stated she would send me a password reset link, but she lied and never did that.

The representative also told me that it must have been one of the creditors that reported lately that gave the incorrect address. She gave me a list of the three recent tradeline updates. I checked all and they do have the correct address. In fact, I contacted every creditor I have and ALL have the correct address.
Product: Debt collection

My daughter received a debt collections notice on XX/XX/2019. We paid another debt with this same company in XXXX of XXXX. We believe they are trying to charge us with this debt twice as the new debt they say we owe is from XXXX. why was it not included in the medical debt we paid in XXXX of XXXX as they say it was from the same provider. Edwin Perry law firm said we had to respond in 10 days. We sent them invoices showing we paid and they got back to us on XX/XX/XXXX at approximately XXXX XXXX saying if we paid today it would be XXXX. The bill in question is for XXXX If we did not they were going to file a lawsuit with the court and it would be minimum of XXXX. It does not seem fair they can give us 4 hours notice to review the information to avoid an extra XXXX charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

An acollection account has been added to my credit report which is fraudulant It is not my account I ask exuifax and XXXX to remove from my account and have not removed it. the account added is XXXX original creditor is XXXX XXXX this was never my account I am requesting this account be removed immidiately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done with the following inquiries : XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and this violates my rights as a consumer.
Product: Mortgage

We originally fell behind on our mortgage when my husband had an accident and was unable to work due to a XXXX XXXX. We tried to get a modification and was unapproved. In XXXX XXXX they put us on a payment plan and told us to put {$10000.00} down and make payments of {$2500.00} a month for ten months ... We were now behind {$20000.00}. When we first started trying to get modified we were only behind {$6000.00} which was XXXX XXXX. We kept getting the run around with no answer until XXXX XXXX when we got a reply that that modification program had ended in XXXX XXXX. We started the payment plan with {$10000.00} down and made the payments on time and even paid more than was due. Hurricane came and Ocwen contacted me and told me due to the disaster I was eligible for the disaster plan which would give me three months no payments but I could still pay something on the loan if I had it. A month later I tried to make a payment and was told that I could not. When I asked why they said I defaulted on the payment plan. I told them that they put me on the disaster plan. They said that I did not qualify for the disaster plan after they submitted it. I asked why did no one contact me to let me know and they just apologized and said nothing could be done. I was then told they can put me on another repayment plan in order for me to keep my home. This time I needed to put {$8000.00} down on XXXX the XXXX and make a payment in the amount of {$3500.00} on XXXX XXXX. I told them that I can not afford those types of payments but they said that was the only option. I took a loan out on my car and paid the {$8000.00} but I cant afford {$3500.00} a month. My regular mortgage payment is {$1600.00} a month which I can pay with no problem. I asked them if they could take the {$10000.00} that I am behind and roll it into my mortgage as I have over {$60000.00} in equity andI was told no.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX according to my credit report from XXXX who stated they get the reports from all XXXX  credit bureaus from a third party. XXXX has stayed the same, Equifax and XXXX both dropped significantly from Almost Perfect to Fair with no explanation. The only derogatory marks have since dropped off a long time ago, there are XXXX Excellent high impact, XXXX of XXXX hard inquiries dropped off low impact, my payments 100 % excellent high impact, credit age XXXX XXXX Excellent Medium impact, Total accounts XXXX needs work low impact. So why does XXXX show a XXXX point drop on XX/XX/XXXX and then it stayed the same since? This is the same day I did my webinar XXXX XXXX XXXXXXXXXXXX XXXX Abuse of Power, Sabotage, Financial Entrapment, Abuse of a XXXX XXXX  and his XXXX  Owned And Operated Business. 

WHO FROM THE VA, IRS etc was involved? 

Images from XXXX and XXXX XXXX
Product: Student loan

A student loan telemarketer called and said she could save me $ 15k - $ 20k on my  student loans. All they ended up doing is raising my interest rate and putting me with a new lender.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate late payment entries on my credit report regarding my account with XXXX  XXXX ( Account # XXXX ). These late payments appear to be reported in error, as the account is marked as XXXX across all bureaus and there is no valid evidence to support these entries. This is a violation of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 
Details : Account Name : XXXX  XXXX # XXXX Late Payments : The account is marked as Current across all three credit bureaus, yet late payments are reported inconsistently : TransUnion : Reports 30 days late ( XX/XX/XXXX ) and 60 days late ( XX/XX/XXXX ). 
XXXX : XXXX 30 days late ( XX/XX/XXXX ) and 60 days late ( XX/XX/XXXX ). 
XXXX : XXXX 30 days late ( XX/XX/XXXX ), 60 days late ( XX/XX/XXXX ), and 120 days late ( XX/XX/XXXX ). 
This is a major discrepancy because : The Payment Status is listed as Current.

The Past Due amount is {$0.00} across all bureaus, meaning no payments were late or owed. 
XXXX. High Credit Discrepancy : TransUnion and XXXX : List the High Credit as {$510.00}. 
XXXX : Lists the High Credit as {$0.00}, which is incorrect and inconsistent with other bureaus. 
XXXX. Future Reporting Dates : TransUnion and XXXX : " Last Reported '' date is XX/XX/XXXX. 
XXXX : " Last Reported '' date is XX/XX/XXXX. 
Reporting dates in the future violate FCRA Section XXXX ( b ), which requires timely and accurate reporting. 
XXXX. Date Last Active : TransUnion : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
These discrepancies suggest inaccuracies in the account activity information. 
XXXX. Payment History Contradictions : The Payment History shows late payments for specific months ( XXXX, XXXX, and XX/XX/XXXX ), even though the account status is listed as Current with no past due amounts. 




Violation of Consumer Protection Laws : Violations of 15 U.S.C. 1681 ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy of consumer information. Reporting late payments on a current account violates this standard.

2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : I have the right to dispute any inaccurate information on my credit report. The bureau must conduct a reasonable reinvestigation to verify its accuracy.

3. 15 U.S.C. 1681i ( a ) ( 5 ) : If the disputed information can not be verified as accurate, it must be promptly deleted or corrected.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Information furnishers, such as creditors, are prohibited from knowingly reporting inaccurate information.

5. 15 U.S.C. 1681s-2 ( b ) : Upon receiving notice of a dispute, the furnisher must investigate, review relevant information, and report its findings to the credit bureaus.
Product: Bank account or service

On XXXX/XXXX/2016, I opened a Citigold checking account under promotion XXXX. I have a screen shot I made showing Citibank accepting this promotion code. This promotion grants XXXX Thank You points for opening the account which requires maintaining a {$50000.00} balance and a bill pay on two consecutive months within 60 days. I fulfilled these requirements. On XXXX/XXXX/2016, after not getting the promised points, I contacted Citi and they opened an investigation. A few days later when I again contacted Citibank the representative told me they could not investigate further until 90 days had passed following completion of the requirements ( which would have been XXXX/XXXX/2016 ). I still did not receive the points, so I contacted Citi again on XXXX/XXXX/2016 and the supervisor said they would not honor the promotion. Since I opened the account based on the promotion worth {$400.00} and met the requirements, I would like Citibank to honor the promotion and award the points.
Product: Credit card or prepaid card

I opened the account in   XXXX   XXXX    2015 with the promise of a promotional deal to deposit {$20.00} and receive {$20.00} . I confirmed that the account had {$40.00} soon after. I did not use the account as there were fees to check balances, withdraw cash and other assorted fees. I let the account sit for a long time unused. I received a new debit card in the mail recently and thought it was an updated card. I activated the card and noticed a   XXXX  balance. I called the company on   XXXX   to dispute the balance. They informed me that this wa s not the same account. I asked about the old account and they informed me that it was also at a   XXXX  balance. When I inquired as to why, they informed me that because the account had sat unused  for more than 90 days, there was a {$5.00} account maintenance fee that was charged every month. When I asked why I was not contacted prior to this starting, they informed me that it was " on the box for the card ''. I have no idea what that means. I assume they are implying that it was on the terms of service agreement. In any case, I asked to speak to a supervisor and was told the same thing. I was not contacted once about this monthly maintenance fee nor about the requirement that the account must be used every 90 days.
Product: Mortgage

I am in the process of refinancing my home mortgage. Currently, my mortgage is with XX/XX/XXXX Loancare and I am refinancing with XXXXXX/XX/XXXX XXXX XXXX, CT XXXX. XXXX and I have been requesting my payoff statement since XX/XX/2021, but any phone calls made to customer service would be dropped upon making the request and the dozen electronic requests have been ignored as well. Currently, this is the last step in the closing process of refinancing and I am afraid I will lose my opportunity to close at the interest rates that I locked in as a result of XX/XX/XXXX ignoring my request for the payoff statement. Thank you for your help.
Product: Credit card or prepaid card

I do not receive paper bills. Discover Card tells me I missed a payment but I never received a paper bill. ON DO NOT BANK ONLINE. Yet Discover Card demands that I use its website to make payments. I do NOT know how to use its website. I WANT PAPER BILLS. I never agreed to nor authorized paperless bills! It is not fair for Discover Card to say I missed a payment when I never received a paper bill and do not know how to use the Discover website to see what I owe or do not owe!
Product: Credit reporting or other personal consumer reports

I require all claims on the credit report to be authenticated and identified by competent firsthand material fact witness per title 225 Pa code 901 and 802 hearsay is inadmissible. Prove all debts on report Pa code 9210 in its entirety Pa code 4009.1.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice through my credit monitoring app that I had a number of collections posted to my credit reports. These accounts are not mine. At or around XX/XX/2021 I submitted letters to XXXX, XXXX  and TransUnion requesting verification of these collections/ charge-offs and to see proof that these accounts were mine since I am the only one who can truly verify this debt. I did not give them permission to share this information. It has been over 30 days and have not received an updated report, nor any documents with signature from the companies in question, even the bureaus. They are in violation of FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) as well as 15 United States Code 1681i for no response within a reasonable time limit. Accounts in question : XXXX {$2100.00} XXXX XXXX {$660.00} XXXX {$0.00} XXXX  {$14000.00} I am acting on my own behalf. I do not authorize anyone or third party to act or verify who isn't me.
Product: Checking or savings account

I have a fraudulent atm transaction on my HSBC debit card. I got a letter today saying they denied my claim, that the transaction was authorized. Umm, HELLO PEOPLE! I most definitely did NOT AUTHORIZE any such transaction. Theyre zero liability policy isnt worth a thing if theyre just going to deny your claim for no reason! I DID NOT AUTHORIZE THIS TRANSACTION!!!!!!!! I am not letting this go! I was ripped off and youre not honoring your zero liability policy. Youre supposed to be on my side, not the thieves side!
Product: Debt collection

Writing a claim against the collection agency going by CAPITAL ACCOUNTS. 
Capital Accounts send a collections letter via-mail on XX/XX/XXXX, in which we responded to them on XX/XX/XXXX. 
I disputed this collection for the following reasons ... This medical bill was issued on ; XXXX, and tried to be collected in XXXX. It has passed 8 years since this medical bill was even issued. 
This case was due to an accident which involved my medical insurance, and supposed to be billed and paid by them. 
The collection agency did not honor my legal right, and went straight to hurting my credit. 
I am looking to take them to court, but I do not see any offices affiliated with them in California. 
I would like to open a case against them.
Product: Credit reporting or other personal consumer reports

I Recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting or other personal consumer reports

I am submitting this follow up complaint to you today to forward to you about my issue of being a victim of fraudulent activity. Again, per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on the FTC report # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent inquiries which were being posted to my report. Here is the list of items which were opened without my permission : 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 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than XXXX business days after the date of receipt.