23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Settled debt at lowered amount with synchrony bank, they only applied settlement amount as payment. The debt was settled on XX/XX/22, the original debt was XXXX and settled for XXXX. Confirmation for this transaction was XXXX. 
Another account was settled on the same date for XXXX, with an original debt of XXXX. Confirmation number for that transaction was XXXX.
Product: Mortgage

I received notice my loan was being transferred from XXXX to Loan Care. I then received a bill from XXXX  mortgage. I suspected fraud because the letter from XXXX did not mention XXXX. I called XXXX. They told me I was actually one month ahead on my payments. That my XX/XX/XXXX payment would actually be my XX/XX/XXXX payment. I have sent in a payment each month this year. I was actually told I am a month ahead of schedule. I then called LoanCare and gave them my email address to contact me if there were any problems. In XX/XX/XXXX I called just to check the status and I am told I owe since XX/XX/XXXX and my mortgage is in collections. I have sent receipts of all of my payments. I need this straightened out ASAP.  By my accounting I should be one month ahead of payments. Loan Care is showing me due from XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am refiling this complaint to XXXX XXXX XXXX. In my credit report from XX/XX/2024, I still found the derogatory item that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I have inquiries on my report but i havent applied for anything
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of Identity theft ....
Product: Debt collection

CKS Prime Investments has continued to report this account on my credit reports. The company continues to hassle me to pay a debt I dont owe. They have supplied me with the paperwork to confirm this ( included in this complaint ). However they continue to report on my credit files and calls and e-mails after I have requested from them to cease and desists all communication.
Product: Checking or savings account

I submitted a request to dispute charges to XXXX in the amount of {$2000.00} and XXXX in the amount of {$4000.00}. I had a contractor do repairs at my home on XX/XX/2022 and they were to be completed by XX/XX/2022 totaling {$6000.00}. He didn't complete them, I have over {$3500.00} worth of work that he left behind and the wife says the work was completed. I have text and recorded calls of him stating that he was coming back to complete the work. I live in XXXX, XXXX XXXX The City will impose fines and fees for not maintaining your yard, let alone the house. Since the pandemic, they have been somewhat laxed but they are getting back to usual. Why would I spend {$6000.00} to have a contractor work inside and leave some of the work uncompleted outside, the major components of the repair. That logic simply doesn't make since. Now they don't want to complete the job. The day they started, we were expected violatile weather within the following days and they didn't couldn't paint the exterior or replace the glass. He did the same thing at my parents house and the only reason they are receiving anything back is because he had another contractor working with him that didn't want a claim filed against his business. They were simultaneously working on our homes and vanished on both of us until we started threatening them with legal consequences. Since this happened I find that the XXXX I used is out of XXXX and has a background that supports his lack of integrity. They have no intention of returning my money and never intended on coming back to complete the work here or at my parents.
Product: Debt collection

I sent an a debt validation to Capital One asking them to validate the debt they are saying I owe they then sent me a letter back asking me for my account number and a various amount of other information basically the information they are asking me for is a way to get me to unknowingly verify the day I feel like they have no signed contract on file for me therefore I am asking that they remove this debt from all three credit bureaus XXXX   XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Wife and I have a joint savings account through KeyBank ( XXXX, NY branch ) and decided to apply for a HELOC. From the first phone call we were given misleading information and also instructed things that were not correct or legal. My XXXX  credit as well as mine had multiple hard inquiries, multiple accounts or reports created, told we still owed thing that had been paid off for 3 - 5 years and cleaned up when we applied for our house in XXXX. KeyBank some how put something from my XXXX credit report ( before we were even together and was paid off ) on my credit report then demanded I prove to them it wasnt mine and/ or it was paid off. I had XXXX admit in person, in front of customers and co-workers, that she lied to us multiple times about multiple things. We have gotten absolutely nowhere with XXXX, XXXX, or XXXX at their Customer Relations phone number XXXX. This is an absolute mishandling of our hard earned credit bye an establishment deemed a credit / financial specialist. Now today we were contacted saying that messed up the dates on our HELOC paperwork and my Wife and I both have to leave work again to go re-sign due to yet another one or their negligent practices. Some sort of justice must be served in this matter. 
Thank you, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the following items to be removed from my credit report they were removed XX/XX/XXXX and then put back on my credit report. The below listed items are not valid debts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opend XX/XX/XXXX still showing open XXXX XXXX XXXX XXXX CREDITOR XXXX XXXX XXXX OPENED XX/XX/XXXX. 

I have tried to get these removed with no luck.
Product: Mortgage

Hello, I believe that Wells Fargo took advantage of me because I am XXXX-XXXX-XXXX. I think they tried to pull a bait and switch on methey enticed me with a 4.5 % rate, but then told me that they could only offer me 6.5 %, even though the facts never changedmy credit score was still XXXX. ( Something also oddthey told me that my FICO score was XXXX, even though their own service tells me it is XXXX. ) I applied for a mortgage on XX/XX/XXXX. I timely delivered all documents, and I never misrepresented anything. I was also given assurances that my appraisal fee would be refunded should the loan be declined. I locked in my rate at 4.5 %. 

On XX/XX/XXXX, I got a notice that I had document to be reviewed. It was a new rate lock at 6.5 %. I then asked for a refund. It didnt make any sense for me to refi at such a high rate when the mortgage theyve already given me was for 3.75 %. This seemed absurd and mean, so I think asked for my refund. They said they would process it. 

Today, I received a note from the mortgage officer that they no longer issue refunds. This is unfair.
Product: Mortgage

I have filed a complaint on XXXX/XXXX/16 complaint # XXXX which the gave a general response. Since then I am still going back and forth with Citibank to get assistance. I have a new specialist XXXX XXXX who do n't respond to any of my questions. She sends me a weekly email that appears that all she do is change the date and resend. I was told by XXXX XXXX who was my specialist prior to XXXX that a decision should be made within 30 days ( XXXX/XXXX/16 ). We are well into XX/XX/XXXX and still no decision has been made and I ca n't get a answer of why and what is the hold up. Again we are asking for assistance because we are need of HELP. We was hit with unforeseen illness and XXXX massive storms that made us loss more that XXXX % of our income. I asking for Consumer Financial Protection Bureau to assist me with this issue with Citibank. I not trying to loose my home and I am asking for assistance to make my monthly payments more affordable. PLEASE HELP!!!!!!
Product: Credit reporting or other personal consumer reports

I already disputed these accounts and they continue to be reflected incorrectly on my credit report, so I request that they be removed immediately for violation since they are incorrect and fraudulently opened. The accounts are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy of an account currently being reported on my credit file by XXXX XXXX XXXX under account number XXXX. This account contains inaccurate and unverifiable information, violating my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

This dispute has been previously filed under Equifax Dispute Number XXXX, yet the issue remains unresolved. Furthermore, I was affected by the Equifax data breach, which compromised my personal and financial information. Due to this breach, unauthorized accounts and inaccurate information may have been added to my credit file without my consent. Given this fact, it is imperative that this account be removed immediately as it can not be definitively verified as legitimate. 

Additionally, I have requested debt validation from XXXX XXXX XXXX, and they have failed to provide sufficient documentation proving that this account is valid or that they have the legal right to collect it. In accordance with the FCRA, Equifax must conduct a reasonable investigation and remove this unverifiable account from my credit report. 

This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C 1681i, which mandates a reasonable Investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Below is a list of accounts I have marked as inaccurate ; XXXX XXXX - XXXX
Product: Debt collection

I TOOK OUT THIS LOAN IN XXXX, I AM STILL BEING GARNISHED HERE IN XXXX AND I HAVEPAID XXXX OF THE XXXX LOAN ALREADY FROM A PREVIOUS GARNISHMENT. NOW THEY ARE STILL WANTING XXXX MORE THE STATUES OF LIMITATIONS ON THIS GARNISHMENT HAS EXPIRED IT HAS BEEN OVER 7 YEARS
Product: Credit reporting or other personal consumer reports

I made a dispute on XX/XX/XXXX about my background check having an accurate information after being denied to drive for XXXX and XXXX. After looking on their website, I clearly says XXXX law it should only Go back seven years. This company is showing repeated old information going all the way back to XXXX. This company has been sued At least 80 times for the same thing. They are very clearly violating the laws. Id like this adverse information removed Immediately. 
Thank you
Product: Credit card

PNC Bank, Core Credit Card : XXXX XXXX XXXX XXXX Account Statement Balance as of {$16000.00} as of Statement date XXXX, XXXX, 2024. Statement Due Date XXXX, XXXX 2024. 

Bill Pay Scheduled payment XX/XX/year> from my PNC Bank checking account. 

On XX/XX/year> Credit card statement does not show payment reflection. 

On XX/XX/XXXX, visited to the local PNC Branch, to check status of payment. During the visit calls to the credit card department and on advice of the Branch staff. Paid the balance of XXXX ( XXXX XXXX additional Interest ) on XX/XX/XXXX and also cancelled the bill pay scheduled payment which was issued interbank, and the payment was reversed by the credit card. This was done per advice of the bank staff so that the amount doesn't get taken out of my bank account and go negative balance. 

Issue : The bank charged late fees {$27.00} on XX/XX/XXXX, and {$1.00} Interest Subsequent late charges XX/XX/year> {$29.00} and interest {$1.00} and then on XX/XX/XXXX {$38.00} and Interest of {$1.00} Total late fees and Interest charged since full payment made after talking to banks representatives at both the branch and the credit card banking. {$120.00} ( out of which {$1.00} was paid in XXXX ) balance shown {$120.00} as XX/XX/year>. 

Called Bank in XX/XX/year> and explained that the full payment was made and the fees are erroneous. They as a courtesy refunded only {$38.00} late fees and said the balance is due. The reason was that it was my responsibility to call in XXXX and clear this issue. This reason is erroneous as the fees charged and tacked to the account was wrong in the first place. Additionally, I could not pursue the matter as I was out of the country for XXXX months from XX/XX/XXXX to XX/XX/XXXX and was not able to make calls. 

I believe I am not responsible for these fees when the payment was made in full in the first place. Returned check charge was also faulty as the payment was made in full in the first place and therefore, they should have returned the check as the account was paid in full in the first place. The stop payment additionally was done based on the advice of the bank staff as well. 

Bank is not willing to consider their mistakes in the first place and saying that I should have called earlier!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer XXXX XXXX XXXX : XXXX, Consumer XXXX XXXX XXXX : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant ta FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The following accounts that appear on my credit report : I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name and Account Number : XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXXXXXX XXXX has violated my rights XXXX XXXX  XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my XXXX XXXX XXXX XXXX XXXX has violated my XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX has XXXX XXXX rights XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX  XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX  XXXX XXXX has violated my rights The above listed accounts violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 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 item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I wish to address the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment by those in control is my right, and I request detailed information on their failure to uphold accuracy and compliance. Negative information, regardless of certification, is intolerable. I prioritize factual and truthful details concerning your company and the data related to my credit profile. The discrepancy in the credit report I received is surprising, as adherence to FCRA and relevant Metro 2 data field formatting standards is expected. 
I challenge you to provide a verified, complete, and true document containing evidence for each claim. Failure to adhere to these standards, as outlined in the XXXX XXXXXXXX, jeopardizes data integrity, a critical matter. I urge you to remove any false accounts promptly to prevent future financial implications. My credit report is of utmost importance, and I insist on factual accuracy, verification, and compliance with regulations.
Product: Mortgage

On XX/XX/XXXX, by telephone, with an NFM live representative, I paid {$2200.00} from my checking account. 

On XX/XX/XXXX, XXXX for the third time, distributed a check for {$2000.00} ; it was finally credited to my account on XX/XX/XXXX On XX/XX/XXXX, XXXX XXXX disbursed two checks to NFM. The first check for {$1100.00} and the reinstatement check for {$6800.00} On XX/XX/XXXXXXXX XXXX  XXXX disbursed a check for {$1100.00}. 

This is a total of {$13000.00} that NFM has received it. Several checks may not have come broken up into the suggested monthly increments. However, they received the funds and did not distribute them where they needed to, which is to my mortgage. In addition, they continue to report to the credit bureaus that my mortgage is late, which at this point, is impossible. XXXX was the first month my mortgage was in arrears. My payment of {$2200.00} covered XXXX and XXXX. 

XX/XX/XXXX - {$1100.00} w/out late fee XX/XX/XXXX - {$1100.00} w/out late fee XXXX XXXX My mortgage increased to {$1100.00} w/out late fee XX/XX/XXXX - {$1100.00} Total amount due and paid : {$4400.00} {$13000.00} ( total money disbursed to NFM ) - {$4600.00} ( XXXX Mortgage ) = {$8500.00}, the total amount of money to NFM and NEVER applied to my Mortgage. 

Moreover, I am being transferred to another XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I did a balance transfer on XX/XX/XXXX for {$6000.00}, it posted to my account on XX/XX/XXXX. That balance transfer was deposited directly to my checking account as expected. I just received my statement from Barclays and I am being charged twice for the same balance transfer. The one that posted on XX/XX/XXXX and the second one that posted on XXXX ( both with the same transaction date of XX/XX/XXXX ). I only requested 1 balance transfer. I have only received one deposit of {$6000.00}. When I reached out to Barclays today to discuss they are telling me they only have 1 balance transfer processed, although they are charging me for two ( nevermind I only requested one ). 

They refused to place the transaction in dispute. They kept me idle in chats for over an hour and as soon as I didnt respond they would disconnect. I was told by the first person they would open a case. The second person I contacted said that person did not open a case and absolutely refused to address my questions or transfer me to a manager. They could never address why a second charge was posted. Just, sorry about that .... it must be on its way to you. A balance transfer that I did not request. I will repeat again, I only requested 1 balance transfer. I received 1 balance transfer. But, I am being charged twice. It is so obvious on the statement and the customer service reps are playing oblivious and refusing to protect my rights under the FCBA/FCRA.
Product: Payday loan, title loan, or personal loan

This is in regards to open complaint # XXXX. 

XXXX XXXX has been calling my place of employment and releasing very sensitive/private information [ regarding wage garnishments ] to coworkers of mine when they should ONLY be speaking to my superiors [ i.e. HR manager, Payroll Department manager, etc. ]. 

I now have coworkers approaching me that are now fully aware of my wages being garnished and it is very embarrasing and quite frankly a breach of my privacy as a consumer. 

I am at risk of losing my job because of the careless actions/practices of XXXX XXXX and their affiliated 3rd parties [ i.e. Careless phone calls from XXXX to my employers office ; Process server whom recently left sensitive documents/information EXPOSED on the floor of my front porch without first placing it in an envelope. Made absolutely no efforts to see if anyone was home before leaving these documents on the ground ]. 

XXXX XXXX is literally ruining my life as I know it with their careless malpractices.
Product: Credit card or prepaid card

On XX/XX/2021 I purchased a hotel room through XXXX for XXXX nights between XX/XX/XXXX and XXXX at XXXX XXXX XXXX in XXXX XXXX AZ. The hotel advertisement on their own web site and the XXXX line description clearly states the rooms have wifi. Well, our room didn't have WiFi. I approached the staff on site and they said that is a known issue and they are willing to give me credit for {$15.00} per night for the inconvenience. The hotel staff explained to me since I had booked through a third party, the credit would come through the third party credit ( from XXXX XXXX ). After I failed to see the credit on my credit card statement, I contacted XXXX XXXX multiple time and they didn't help me. Furthermore, I disputed with CitiXXXX and they also sided with the vendor. I am asking for a credit of {$45.00} that is due to me. The hotel has to reimburse XXXX but sandwiched between large companies, I feel hopeless.