23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

id thief using my credit history to take over my good credit repot and score cant get to dispute centers on because thief has locked me out of them shows only 5 same accounts on all 3 credit reports is taking names off XXXX report to just one name when i do business with 2 other legal variations of my name that i use for applying for credit has changed passwords numerous times which locks me out completely then i have take more time to mail information to credit bureaus while the id thief can quickly do them online i dont get any satisfaction to my complaints only more whittled down credit reports
Product: Payday loan, title loan, or personal loan

Hello, my name is XXXX XXXX and I am currently dealing with a tribal loan ( Big Picture Loans ) with illegal interest rates. I owe over XXXX dollars for a XXXX loan. If anyone can assist me, it would be greatly appreciated.
Product: Checking or savings account

Im not sure if this is the right place to report this complaint but this is the direction I was pointed to ... the formal complaint is not with my bank as they are already working on an investigation ... my complaint is with coinbase at this time as I am at a dead end until I hear from my bank about the pending investigation. 

Today ( XX/XX/XXXX ) I tried to purchase a pair of tickets from a seller on XXXX   for the XXXX game tomorrow ( XX/XX/XXXX ) night. Initially the seller told me to use XXXX friends & family - which didnt work ; next we tried XXXX XXXX which took too long ( according to the seller ) to receive the money ; then I tried the app I use XXXX XXXX and all four transactions were refunded immediately as they canceled the payment for my protection ( all three were red flags from the beginning ). Finally the seller asked if I had used bitcoin via XXXX ; the seller told me it was secure with a paper trail just in case anything goes sour. Well theres no paper trail of the bitcoin transfer, just an address to where I sent the bitcoin. After both transactions ( two separate transactions for {$300.00} ) went through, the seller stopped responding and wouldnt answer any phone calls. I immediately called my bank & they canceled my checking card and put a hold on my account ; they opened an investigation into bitcoin to try to prove the scam. I called XXXX to report fraud and they said there was nothing they could do ; they also said there was no way to cancel or reverse any transaction. 
I also contacted DC XXXX police & they told me there was no point in opening an investigation with them, that that was the banks issue. 

I have a name ( s ) and associated email addresses that will be provided. The name he used to access XXXX XXXX, and I have the address in which he had me send the bitcoin. I also have a cell phone number he was using - not sure if anything is real or not, but all will be provided. 

Attached are copies of the emails they tried to get me to send money to, along with two different names via XXXX XXXX, XXXX XXXX and bitcoin. Attached also is a copy of the refunded email I got via XXXX XXXX which they canceled the transaction four different times for my protection, a few text message threads with associated phone number and associated bitcoin address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX Equifax and XXXX asking them to verify and validate XXXX XXXX for two accounts with different balances but the same account number. I was never informed about the debt and didnt ever know that it existed. Both are under account number XXXX balances of XXXX and XXXX. I was sent a letter that say account were verified but with no proof of documentation that I asked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Also please remove the following fraudulent inquiries : XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. The ID Theft report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Product: Mortgage

In XX/XX/XXXX I became ill and had to have several tests performed which resulted in my having XXXX on XX/XX/XXXX. I tried, unsuccessfully, to work with Freedom Mortgage to reinstate my loan. Unfortunately, I was never able to speak with the same person twice and they were not clear in their instructions for using their mitigation packet. I was told on various occasions that the packet was only good for 30 days, then 90 days, then 60 days and once I was told 2 weeks. I did receive a letter from Freedom Mortgage stating that I had met proven my hardship but they needed more information. Once my home was posted for foreclosure, my personal information was released to the public ; therefore, I have been harassed by emails and telephone calls regarding the status of my loan. Some of those calls have been threatening. After several attempts I finally hired XXXX XXXX in XX/XX/XXXX to assist in the process. Since XX/XX/XXXX it has been a constant merry go round. I have supplied every document that Freedom Mortgage has asked for but they keep requesting more. Freedom Mortgage has been supplied with my pay stubs for every month, bank statements for every month, letter of explanation when they were not able to read my bank statements correctly, tax returns for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I send in the information requested and Freedom Mortgage takes 30 days to review it. Then they will say that something has expired and needs to be resent. Once my house was posted for foreclosure I was not allowed to send in any payments. This is a process that should have only taken approximately 6 months to resolve but has turned into a nightmare that has lasted for 18 months. The law firm representing Freedom Mortgage has continued to send my certified letters stating that I have 90 days to vacate the property and that the house has been posted for foreclosure sale again. If Freedom Mortgage is working with an attorney to reinstatement my loan shouldn't they cease all legal proceedings until the matter is resolved? I have 18 months of payments, interest and attorneys ' fees that Freedom Mortgage is claiming I owe. I've been trying to work with them while they have been working against me. Freedom Mortgage has multiple complaints filed against them through CFPB. They need to work with their clients not against them!
Product: Credit card or prepaid card

I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account XXXX : XXXX XXXX days late in XX/XX/XXXX. 
. 
XXXX. XXXX Account XXXX : XXXX XXXX days late in XX/XX/XXXX and XX/XX/XXXX. 

XXXX. XXXX Account XXXX : XXXX XXXX days late in XX/XX/XXXX.
Product: Checking or savings account

I bank with Bank of America and apparently the other bank involved is XXXX XXXX. There was an unauthorized XXXX transaction of {$500.00} pulled from my account to a person I do not know. I called the fraud department and told them what happened, and they offered a promising message that I would be able to get my money back. Days later I received a message on my account saying that the claim was denied because it was on a device used in the past. I was unaware and did not authorize the transaction. The legal definition of fraud is " the intentional use of deceit, a trick or some dishonest means to deprive another of his/her/its money, property or a legal right. '' The bank should have no authority to redefine the legal definition to avoid honoring their commitment to the consumer. I took it upon myself to reach out to the individual on XXXX whose information was detailed in the XXXX transaction, and they said that they were hacked and they got their bank to freeze their account ( Screenshots attached | I should not depend on someone else 's bank to fix this if I am the victim ). The paper trail should clearly show that I was frauded from a compromised and fraudulent account. I don't feel like Bank of America is really listening to me or trying to understand what happened and instead pushing aside my complaint that clearly shows I was frauded. On XXXX 's website it states that : " If someone gained access to your bank account and made a payment with XXXX without your permission, and you werent involved in any way with the transaction, this is typically considered fraud since it was unauthorized activity. If someone gained access to your account, and stole money or sent it without your permission, this could be defined as fraud. Immediately report suspected unauthorized activity to your financial institution. Because you did NOT authorize a payment, you are typically able to get your money back after reporting the incident. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION REFUSED TO DELETE NEGATIVE INFORMATION STATING THAT IT DOES NOT APPEAR ON THE CREDIT REPORT. 

THE DOCUMENT ATTACHED SHOWS THAT IT DOES.
Product: Payday loan, title loan, or personal loan

Saw a payment in my account from Avail Blue. 
Called and told them I never applied for a loan. They said they had an online agreement that was from me. I asked for the XXXXXXXX XXXX so I can see if it was from my computer. 
They would not say or give me any other information. 
They kept saying they had my information. 
They said I had 2 business days to return the money with no fees after I told them I did not want it. I was instructed to call my bank and have them reverse it. My bank said they could not do that once the money was in the account. 
I called back asked how I could resolve this and they said by paying the money back with Debit Card. I asked the specific amount. They quoted me the {$400.00} which was exactly what was deposited. I paid and when I checked the withdrawal it was {$400.00}. 
When I called back to ask about this they put me on hold and was then disconnected.
Product: Credit card or prepaid card

On XX/XX/2020 citi bank closed my citi advantage and Macys card that where in good standing. Theyre reasoning is for returned payments but theyve been pulling payments out the wrong account. 

And citi advantage is holding me responsible for a fraudulent {$8000.00} balance transfer as well
Product: Checking or savings account

On XXXX XXXX, my son, XXXX deposited little over {$2000.00} at Bank of America ATM located on XXXX XXXX XXXX XXXX Maryland XXXX. ATM machine got jammed and ate up the money. ATM machine turned off by itself and restarted afterward. ATM did n't give any receipt. I, XXXX XXXX, contacted the number listed on the ATM and talked to several representative before they reimburse me {$2000.00} only. At first, they gave me {$20.00} credit but later gave me {$1900.00} more after two hours of dispute. Because of this incident, Bank of America closed our bank account after 20 years of business on XXXX XXXX, XXXX. They did n't want to tell us why they closed the account and they keep on telling me that they are not obligated to tell us. Today, XXXX XXXX, XXXX, I received a letter from Bank of America. They will be debiting my closed account {$1900.00} because they did n't locate any additional cash from XXXX XXXX transaction. I attempted several times to reach Bank of America 's claims and security department to view the ATM camera for XXXX XXXX. They said I have to get a subpoena using a lawyer for them to respond. I went to branch manger for help with this matter to no avail. Price of lawyer is more than {$2000.00}. I have exhausted all the options and I 'm in dire need of your help. Thank you
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - XX/XX/2023
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 
I XXXX XXXX recently received a copy of my consumer reports ( XXXX, Transunion, XXXX ) and I noticed some late payments posted on my consumer report. This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 
Accounts XXXX XXXX XXXX -Account # XXXX ( Month Showing Late XX/XX/2022 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Both transunion XXXX XXXX has not properly validated or removed XXXX XXXX XXXX from my credit report. I have not inquired about this account or owe anything about this account. Filed with the FTC and local police station.
Product: Credit reporting, credit repair services, or other personal consumer reports

I should have XXXX late payments on first premier. 1 is showing from XXXX, but the reason I'm writing is for the XXXX issue for XXXX. I was in the hospital and submitted a claim. I made payments on my account for month of XXXX. For some reason the credit bureaus have not properly updated. I have attached my payments for this account. I was never late. XXXX. 

Also opened a dispute with experian and they investigate in same day and closed investigation? That is not accurate timing of a 30 day. I attached a screenshot as evidence to show this investigation was not done properly.
Product: Mortgage

Good day, I have called all parties several times concerning this issue with no resolution, and excuses to date. The money source my " old servicer '' did not provide me with a notice of servicing transfer not less than 15 days before the effective date of the transfer. ( 12 C.F.R. 1024.33 ). As a result of this late notice of loan transfer on XX/XX/XXXX by electronic means and XX/XX/XXXX via a written correspondence that my new servicer would be XXXX on XX/XX/XXXX my refinance payment went to TMS as I had closed.

TMS initially notes they could not find the funds, and I had to reach out to title company to find. I was able to obtain a receipt of better sending money to title company and title company sending out full payment with wire transaction # to previous servicer TMS on XXXX. TMS notes that had to due a review and finally said they found funds on XX/XX/XXXX and that full payment was sent to XXXX on XX/XX/XXXX. I reached out to XXXX on several occasion and they note they have not received funds and requested a wire #. 
I contacted TMS for over 12 times and have been unable or unwilling to provide wire # and states that it is under review. In the mean Time I have Debt collectors calling me from XXXX saying that I have not paid my mortgage when I shouldn't even have an account with them. TMS has said they would call me back several times to rectify this issue, and has not reached back out to me. Any assistance that you can provide with tis matter as somehow over {$360000.00} is missing and I have two mortgage payment on 1 property. 

Thanks, XXXX
Product: Debt collection

XXXX XXXX SOLD MY ZOMBIE DEBT TO XXXX XXXX XXXX, XXXX AND THEY SOLD IT TO XXXX XXXX XXXX AFTER THE S.O.L. EXPIRED AND WENT ON CREDIT REPORT DURING WHICH TIME WE ARE BUYING A CAR. 
THEY FAILED TO SEND VALIDATION LETTER AND ALL PARTIES ARE IN VIOLATION OF THE DODD-FRANK ACT. 

SEE ATTACHED.. 

E-MAIL TO SETTLE OUT SIDE COURT IS ( XXXX )
Product: Debt collection

On or about XX/XX/2023, a Debt Validation request was sent to Jefferson Capital System via mail. The following items were requested as part of the Validation. 
1. A copy of the Original Purchase Agreement from the Original Creditor that shows that you legally own this debt by the Original Creditor.

2. Proof that you are a legal debt collector in California.

3. A copy of the Bond that shows that you are Legally Registered in My State.

4. Copies of ALL Statements from XXXX to XXXX of this Account. 

Jefferson Capital has failed to validate this debt and instead referred the debt to XXXX XXXX for collection. Jefferson Capital, XXXX, XXXX, and XXXX have refused to remove this unverified debt from my credit report. 

Per FCRA, 15 USC 1681 et esq, I am entitled to a fair and accurate credit report. The inclusion of this unverified debt is a Violation of My Rights under the Fair Credit Reporting Act. It makes my consumer credit report inaccurate and needs to be deleted.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency
may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit card

Home Depot has charged off this account stating I have never paid. I have been paying the XXXX group since 2013 and would like for this negative information removed from all of my credit reports! I have attached the credit report along with the supporting documentation that I have been paying the XXXX group and have settled and will be payed in full XXXX XXXX.
Product: Student loan

Why is Navient allowed to NOT disclose the full MONTHLY interest amount due on my XXXX  loans on it's website or on my monthly statement? It's impossible to determine how much I need to pay to cover all the interest due on my {$120000.00} student loan debt. Right now, my total debt INCREASES every month because I don't know how much I need to pay to cover interest without CALLING Navient and sitting on HOLD. 

Why is Navient allowed to not FULLY & CLEARLY DISCLOSE the monthly interest accruing on my loan on it's website or on my monthly statement??? The total monthly interest is NOT on my a MONTHLY STATEMENT and IS NOT disclosed on my ON LINE account. 

They tell me I need to a ) figure out the daily interest and then multiply it by the days of the month, or b ) compare two statements from different months and calculate the difference in the statement balance to determine the interest. Huh?

They INTENTIONALLY obfuscate the monthly interest amount due. Something needs to be done about this. There is a student loan crisis in the US and Navient is INTENTIONALLY making it difficult for borrowers to learn the TOTAL monthly interest amount accruing on their loans.
Product: Debt collection

Portfolio recovery assets threatened me in XXXX of 2019 to adversely effect my credit with putting false info on my report
Product: Bank account or service

My family and I have had the worst experience with Citibank that we have ever had with any bank or business. In XXXX, my elderly father went to his local NYC Citibank branch, with his XXXX, to put me and my sister on his bank account because he was XXXX and wanted us to manage his finances, pay his bills, and monitor his accounts to protect him from exploitation. He and his XXXX reported that the branch manager was extremely rude to my father - they both thought because of his age - but nevertheless Citibank received all the paperwork, including a power of attorney listing me and my sister, and said we would be put on his account. This never happened. I wrote to the Citibank manager repeatedly, expressing the urgency of the situation, I called and left messages dozens of times, as did my sister, and we could never get a response. My sister and I live in another state where there are no branches of Citibank, flying back and forth to help and care for our father was consuming and our top priority and we could not continue pouring our time and energy into banging our heads against Citibank 's brick wall. They never did put our names on his account or help him or us in any way. 
My father died in late XXXX of XXXX. We have submitted every single document they have requested, but they still refuse us access to his checking account so that we can pay his bills. Instead of being helpful when we are grieving, for almost four months now Citibank has been giving us the runaround. In XXXX, for example, they told me to fax XXXX more document to them and we would receive a check for the account balance within XXXX10 days. That was over two months ago, and we heard nothing. In desperation, I contacted their Executive Response Team, and have gotten the same runaround from them. They tell me to fax something to them, for instance, and I do. Then I hear nothing for awhile, and then get a phone call that the fax was not what they needed, they actually need something else. It 's a seemingly endless runaround. On XXXX XXXX I sent them, by certified mail, XXXX legal documents either XXXX of which they told me would suffice to release my father 's funds ( my sister and I are his sole heirs, and the amount in his checking account is not very large ). Since then I have heard nothing, and have been unable to reach them. It has become clear that this is a deliberate policy of giving customers false information and giving them the runaround so that they can hold onto customers ' funds, which is highly unethical if not illegal. I 'm sure they do not do this to wealthy, powerful XXXX XXXX customers ( my father lived in New York 's XXXX ), but if they treat enough regular customers like this, they can make a lot of money by holding customers ' funds hostage. I can not think of any other explanation for treating customers so badly. I 'm now turning, in desperation, to the Bureau of Consumer Financial Protection for help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment that has been reported on my credit file. After reviewing my credit report, I noticed an inaccurate late payment listed on my account that I believe is incorrect. I have reviewed my payment records and I believe this reported late payment is an error. 

Late payment : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXX/XX/XXXX