23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX ( akaXXXX ) is misrepresenting a situation.

I got a call today XX/XX/2019 from a lady wanting to serve me papers at my residence. I told her come on i was home. She insisted on giving me XXXX XXXX phone nimber XXXX and a claim number XXXX. Within 5 minutes both my sister and ex-husband called saying she had called them also telling them i was being served for not paying a debt and to call mr. XXXX. Lady never came. I callef mr XXXX and he wanted to talk about an old moneykey payday loan from years earlier where i had already filed a cease n desist.
Product: Debt collection

in the year 2015 of the month of XXXX I was a passenger in a former friends vehicle of mine. The driver feel asleep while driving and crash into cars. When I woke up I was in a hospital bed.
Product: Credit card or prepaid card

On XX/XX/XXXX, I authorized the merchant, a XXXX taxi company at XXXX XXXX, to process a {$10.00} USD charge only for a taxi ride from terminal A to terminal C. We were short {$10.00} cash because an extra person rode in the taxi with us. Then I asked for a receipt, they said they could not provide me with one because the card reader didnt allow it. They processed at total of {$2000.00} USD on XXXX separate cards ( XXXX  {$990.00} and Chase {$1000.00} ) by telling me the cards were not working. I disputed both charges initially on XX/XX/XXXX. XXXX XXXX conducted their investigation and sided with the merchant and brought to my attention the merchant provided a fraudulent receipt with a forged signature. I explained to XXXX  the situation, they were able to re-dispute and give me my money back. Chase, however, sided with the merchant on XX/XX/XXXX due to the same forged receipt. I'm attempting to re-dispute for the full amount charged. Chase never provided me with ruling or documentation until I called to follow up on XX/XX/XXXX. The dispute with Chase is unresolved. I am still pushing for a re-dispute which they're pushing back. I've provided Chase with emails I've sent the merchant ( with no response on XX/XX/XXXX and XX/XX/XXXX ), proof they received their {$10.00} USD payment from XXXX XXXX, and a copy of my actual signature to see the merchant has forged my signature. I have also attached these documents below for CFPB to review. I've also attached what the original charge was for the taxi ride from the resort to the airport, for which we paid mostly cash.
Product: Debt collection

I am contesting the account with XXXX XXXX XXXX. It is an account that was opened without my consent. It is showing a balance of {$600.00} with a {$500.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 120 % usage. I need Experian and XXXX XXXX XXXX to correct this account on my Experian report. I should not owe XXXX XXXX XXXX anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. It has been corrected on my XXXX and XXXX reports, too.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in direct violation of the fair credit reporting act Credence Resource Management. XXXX, has violated servals of my right. 

15 U.S.C 1681 Section 602 A. Clearly states that 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 an account without my written consents or instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open -and consumer credit plan as late for any purpose.
Product: Debt collection

They are calling my employer every day after I told them they could n't call my work. Leaving messages, calling the front desk when I do n't personally answer, etc. XXXX ( caller id says XXXX XXXX ) and they leave this number in the voice messages XXXX. They have stopped leaving voice messages after i told them they ca n't call my place of work but they still call my work phone, my work 's reception, and speak to other people at my work to reach me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to CitiBank in regards to an account that does not belong to me. They have continuously denied my dispute requests even after sending in personal identification documents to verify the account. This account does not belong to me yet they continue to report it on my credit file. I have disputed this account with XXXX numerous times and they continue to verify it as accurate however upon reaching out to Citibank, they are reporting an address and name that does not belong to me nor shows up on any of my credit files account. I reached out to Citibank and requested proof of ownership of this account, however Citibank was not able to provide this proof of ownership. They were not even able to send a letter back stating that they can not provide proof of ownership. When I contacted them, they claimed that it should've been mailed to my address on file. This is blatantly XXXX  because I have disputed that the information they have on file does not match up with my personal information, so clearly I would never get letters about an account or dispute decision to an address that doesn't belong to me. I have contacted Citibank numerous times and they refuse to remove this account from my XXXX credit file even though my personal information shows that the account doesn't belong to me. I disputed this same account with XXXX and XXXX and it was swiftly removed because it doesn't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am an authorized user on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Mortgage

We refinanced a mortgage that was previously financed with Loan Depot. Loan Depot was paid off on XX/XX/XXXX. We have an escrow balance of approximately {$3900.00} that we have not received back from Loan Depot and have been waiting for almost 45 days! 

I have reached out to Loan Depot and all I have gotten was excuses. They said they had returned mail ( untrue as I updated the address with them on XX/XX/XXXX and called and confirmed this address ). 

In addition, I have asked for a statement of all transactions during the loan ( just over 6 months ). They said they couldnt send me anything like that but they could email me the information. I received an email that looked like a suspicious email. It was difficult to open the link but once I did it contained nothing I was looking for. 

To date, all I have received are excuses. They have told me for several days they will verify that we havent cashed the check. They know very well we havent as it has never been sent to us! 

I am now going to be gone from home for two weeks, which means yet more delays in me getting my funds. 

At this point, I would like them to wire the funds along with late fees and interest. Also, I am still waiting on a statement of the account ( I dont even know the exact payoff amount! ).
Product: Money transfer, virtual currency, or money service

This is in reference of Google pay complaint responding to there message complaint # XXXX... The accounts that have been compromised are XXXX, XXXX, XXXX, XXXX, under XXXX they have alot of credit cards under Google pay that I have never been able to have access there was at & t phones that were financed under my name I have documents to prove it was fraud I have accounts that were hacked into .All together from all my Google accounts ( Google Pay ) that was fraudulently taken from me was XXXX dollars and these are all the accounts that were on my Google pay but had no access XXXX. I didn't recognized the devices that were in my Google accounts .I would say don't recognize and it would allow me to change password but the devices that were unfirmiliar kept appearing .I had no control over my accounts or my phone and just recently my husband 's debit card appeared in the Google pay app which I neither him nor I use Google pay and there wasXXXX dollars withdrawn from my husband 's debit card that was on Google pay XXXX He is trying to dispute with his bank as of this moment. I have filed a police report and filed and continued one and filed with the federal trade commission # XXXX the police report numbers are XXXX XXXX this has been so depressing and has put me in a financial bind and I can't even pay my bills or rent because my accounts have been fraudulently used.thank you for your consideration in this matter
Product: Checking or savings account

My XXXX debit card was fraudulently charged {$380.00}. I tried disputing these charges XXXX times while also submitting a police report and my driver license. Bank of America continues to deny the claim without investigating anything. They keep saying that because the card was in my possession that its basically my fault. I have no clue how a scammer got my card info but they did and I cant afford to lose {$380.00} because the bank doesnt want to actually investigate and arrest those responsible. I live paycheck to paycheck and can not afford to just give away {$380.00}.
Product: Money transfer, virtual currency, or money service

I received notice from XXXX XXXX the credit card ( mobile payments ) numbers were hacked that were used in my purchase made onXX/XX/2021. These unauthorized charges were placed on my account : XXXX XXXX. *XXXX XXXX XXXXPayment - {$6.00} XXXX XXXX. *XXXX XXXX XXXXPayment - {$6.00} XXXX XXXX XXXX XXXX XXXXPayment - {$6.00}XX/XX/XXXX XXXX XXXX XXXX XXXXPayment - {$6.00} XXXX XXXX XXXX XXXX XXXXPayment - {$6.00}XX/XX/XXXXXXXX XXXX XXXX - {$8.00} I contacted Paypal about the charges and they returned a message dismissing my claim saying that these charges reflect normal usage. 

Attached are : The Declination letter from Paypal Copy of XXXX XXXX Payment Made from the Mobile Wallet Fraud letter from XXXX University Regarding XXXX XXXX
Product: Debt collection

The owner of XXXX XXXX XXXX XXXX offered a XXXX month membership for the cost of XXXX months if paid in full. I paid the amount on XXXX XXXX, 2015. The owner closed the business on XXXX XXXX, 2015. I disputed half the amount with my credit card company since I was only able to use the gym for less than XXXX months, being that the owner was in breech of contract of the XXXX month deal. I feel I was deceptively charged since owner knew he was closing gym in XXXX months time as evidenced by the realty company filing an eviction suit against him for non-payment of rent, and settling with him on XXXX XXXX, 2015. My membership was cancelled and I was then sent to collections XXXX week after the gym closed for triple the amount I disputed with my credit card, which is still being investigated. The owner has done the same thing to many other members of the XXXX XXXX gym, and XXXX other gyms he has abruptly closed in the past year. I 've also received immature, nasty emails, texts and messages on social media from the owner. My credit card company recently called me and informed me that the owner rebutted my dispute by saying he was still open for business and I cancelled my membership. I have to now prove that he is indeed out of business to my credit card company. I have several letters proving that XXXX XXXX XXXX XXXX is closed and has been since XXXX XXXX, 2015. Also, new memberships were sold to people after the settlement date with the realty company on XXXX XXXX, 2015, which is fraud since he knew he 'd be closing the gym on XXXX XXXX, 2015, permanently.
Product: Checking or savings account

Thought the months of XX/XX/year> thru XX/XX/year>, my XXXX account with XXXX was issued for another unknown entity to received no authorized ACH payments. Once we realized about these small but continuous transactions, we opened a claim with the bank since XX/XX/XXXX of 2024 and it has been denied now for XXXX consecutive times. Recently at the branch, we reopen the case with a new claim number expecting to get better results, the total amount in dispute is {$110.00} dollars.
Product: Mortgage

SEND A LOAN MODIFICATION AGREEMENT. 
THEM APPLICATION WAS EMAILED AND TWO TIMES WITHIN THE LAST 7 DAYS. 
THEY SAY THEY DID NOT RECIEVE IT. 
THE FORECLOSURE DATE IS XX/XX/2022. 
THEY DOING DUAL TRACKING
Product: Credit card or prepaid card

To whom it may concern on  XX/XX/XXXX  I opened a Capital One card. My limit was {$30000.00} and I had a perfect credit scores in the high   XXXX   range, never missed payments on none of my 27 accounts. I got a call and letter from Capital One stating they see weird activity on my account and they closed the account, the account was also maxed to the credit limit which I never even gotten to use the card. The {$40000.00} charges to my Capital One card does not and was not incurred by me and I did not authorize anyone to use my card. This account was closed and charged off on  XX/XX/XXXX  however it is still accruing interests till this day.
Product: Credit reporting or other personal consumer reports

XXXX main of XXXX, XXXX XXXX of XXXX & life assets of XXXX are listed as charged off which means its considered as income by the IRS XXXX Means that they wrote it off on their taxes and received profit for it. Income is forbidden to be on a credit report 15 USC 1681 ( 2 ) ( a ) ( i )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to the credit reporting agencies. To this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have been compromised.
Product: Credit reporting or other personal consumer reports

I'm reaching out about a account on my credit report that was repossession are charge off.ive noticed that this updated every month as charge off but with active payment history, which doesn't make sense.A charge off account shouldn't have any payment showing.I looks like this hasn't been correctly fixed, and is really hurting my credit score.I 've tried contacting the creditor but they, verifed account without any proof. Could you please remove this account from my credit report as soon as possible? I really appreciated. Account westlake financial.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : # XXXX # XXXX on XX/XX/2022 XXXX ( hard inquiry, adverse information ) in violation of section 5 ( a ) of the FTC ACT,15 USC 45 ( a ) Prohibits unfair or deceptive acts or practices under GLB ACT. OPTOUT /privacy NOTICE IS REQUIRED 160.4 ( a ) ( 2 ) deceptive omission of material fact.in violation of section 501 ( b ) of the GLB ACT,15 USC 6801 ( b ) Safeguard rules : to protect the security, confidentiality, integrity and privacy of the consumer NON PUBLIC PERSONAL INFORMATION from unforeseeable internal and external risk.Ive suffered and will continue to suffer substantial financial injury as a result of XXXX XXXX bank violation of the FTC ACT and GLB ACT.XXXX XXXX  bank has been unjustly enriched as a result of its unlawful acts or practices, it likely to continue to injure reap unjustment and harm the public interest in commerce .Please remove all adverse information.section 5 ( m ) ( 1 ) ( B ) of the FTC ACT 15USC 45 ( m ) ( 1 ) ( B ) fined is XXXX.deceptive acts or practices
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's 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 proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : This account does not belong to me. I did not authorize or verify opening of this account. I have submitted several disputes with the credit bureau requesting additional identifying information and the company has not provided any information that ties this account to me. This account needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX, XXXX and Equifax have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

To start things off, I had no issues with Seedfi in the beginning. Great company and great staff. I have been on their grow plan which means I was paid a small loan while the rest of my payments were put in saving accounts which was to build credit. On XX/XX/XXXX, without any warning, they announced they sold their company and transferred all of our payments and savings to a different company called XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. This new company comes off very unprofessional and shady, the review on XXXX is XXXX star even, and has been sending people back to Seedfi for answers while Seedfi sends us all back to XXXX to get the same answers. My locked savings that I can't even get now because of the back and forth between these two companies is worth more than what I owe. I want nothing to do with the new company that we were all sold off to without warning. They also have introduced late fees and more that weren't even part of the contract.
Product: Credit reporting or other personal consumer reports

Equifax has failed to comply with my request to present some proof that I am the person liable for the items being disputed below. I have informed them, multiple times, through letters and calls, that I am a victim of XXXX XXXX. However, I have never received any documentation to prove that their investigation is correct. XXXX complaint is being attached to prove that I had made some necessary actions considering my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

XX/XX/2019 I closed my account in that bank. ( Acc # XXXX, routing XXXX ). Worker assured me that the account closed and can not be reopened. ( I have those papers ). But today XX/XX/2019 I received the letter states that I owed {$15.00} to HSBC bank as " overdraft ''. I logged to my account online and find out that the bank did not close my account and tried to make money on me by charging " monthly fees '' ( {$30.00} by today 's date ). Please protect me from bank fraud and order them to close my account as I did at XX/XX/2019 visiting branch at XXXX XXXX XXXX, XXXX XXXX, XXXX in person.
Product: Student loan

I started out owing at the time of my graduation in XX/XX/XXXX around {$38.00} to XXXX in student loans and was unable to pay the debt as I was recently divorced and raising a child making XXXX a year and XXXX wouldn't do anything to help with the payment. I was offered forbearance which didn't last and was forced into collections in mid XX/XX/XXXX under the loan rehab program which I was barely able to pay while being a single parent and finalizing my divorce. In an effort to keep my head above water due to lack of decent paying jobs in my area I continued to put my loans in forbearance and no mention of any other ways to receive any assistance from XXXX only threats to pay or be taken to collections and have my taxes garnished. And over time in XX/XX/XXXX my credit has been poor from these loans and lack of decent paying jobs which I went to school for my loans went from $ XXXX in XX/XX/XXXX ' to owing $ XXXX in XX/XX/XXXX of this year. I have looked into IBR but to have a nearly $ XXXX bump in interest from one month is egregious. And XXXX and it's associates college assist should be investigated for nefarious collection practices and interest hikes on student loans.
Product: Debt collection

I received a phone call at my place of employment on XXXX/XXXX/2016 at XXXX ( CST ) from XXXX Credit from phone number XXXX. The representative did not verify the identity of the person she wished to speak to nor did she provide the statement with regard to the attempt to collect a debt. She proceeded to tell me that I owed {$6000.00} and if they did not secure an arrangement it would be forwarded to an attorney. I informed her that I am absolutely not aware of the debt she is referring to and that if she though the debt is valid, they must provide a letter in writing to me advising me of the debt and that I have 30 days to dispute or confirm the validity of the debt. As the conversation proceeded, it turns out that she is looking for someone else that has the same first and last name as I do ; however, the middle name is different. Additionally, she provided the other person 's name, address and last XXXX digits of their SSN. Even after I told her that she has the wrong person, she asked to be transferred to my HR manager/department which I refused. This is unacceptable that that they would be contacting someone 's place of employment and also contacting the incorrect person and harrassing me at my job. This company also has several recent complaints at the following web link - XXXX
Product: Debt collection

I received a call saying that I was being served through my old county that i lived in. The caller said she will serve me at a certain time and if I did not accept or was n't there they would proceed to court. They left a number to call with the debt collector. I called and worked out payments. i did call the county that they said i was being served in and the courts said there was no such file against me.