23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Friday, XX/XX/XXXX, I got a notification on my XXXX app that I had a new derogatory item, and that I had lost 36 points from my credit score. I called the agency that had made the report, Debt Recovery Services, and was told that the debt belonged to my husband for a medical bill of XX/XX/18 for {$100.00} from XXXX XXXX. I asked them to fax all supporting documentation to my personal fax, including both mine and my husband 's signatures. I asked the same of the original creditor. I have yet to receive the information after making the request again this morning. 

I would like this off my report. I was never contacted about the debt myself, so was not given an opportunity to avoid damage to my credit for something of which I had no knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified inquiries without providing any proof required by law. TransUnion has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my TransUnion credit report. 
XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX
Product: Debt collection

Penny Credit as agents of XXXX who wouldnt remove the hold from my account stating that I needed to pay it to remove the hold forced me to pay Penn Credit Union because I was at the RMV and wanted to pay my registration renewal. They after being paid for the ticket number XXXX which is reference for invoice number XXXX stated that I only owed {$3.00} and despite any collections should have not had a hold on my account because they had sent to collections improperly or were only owed what they sent and is visible on said ticket & invoice respectively.
Product: Credit card or prepaid card

I am responding to your recent correspondence received on XX/XX/2023 in regards to American Express Company Credit Card # XXXX. The document you sent me ( which I have attached ) shows 1099-c cancellation of debit Copy B for debtor.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in the light of the reason CFPB lawsuit highlighting significant issues with the platform. Disputes using zelle numerous times and reporting discrepancies and zelle failed to investigate claims. In addition they said that we could not get lost founds back. The Zelle company neglected to protect the consumers and we are vulnerable to scams. The lack of accountability is unacceptable and raises concerns about the consumers safety.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate cessation of a range of unlawful activities involving my account with XXXX XXXX As a concerned customer, I have discovered a multitude of unauthorized actions that have taken place without my consent, which has left me deeply troubled. I insist on the following corrective measures : XXXX XXXX XXXX  Fraud, False Reporting, Extortion, and Unauthorized Use of My Social Security Number XXXX XXXX XXXX has engaged in a pattern of racketeering, fraudulent activity, false reporting, and extortion. Moreover, my Social Security Number ( SSN ) was used without my consent, a grave violation of my privacy and security. I demand that XXXX XXXX cease and desist from any further unlawful activities immediately. 
Return of Stolen Funds and Removal of Unauthorized Securities : I assert that XXXX XXXX is responsible for the misappropriation of my personal and financial information, which has resulted in the loss of funds. Additionally, securities were taken out without my consent. I demand the prompt return of any stolen funds and the removal of unauthorized securities from my account. 
Account Closure and Removal of Derogatory Marks : In light of the criminal activities conducted by XXXX XXXX, I hereby request the immediate closure of my account with your organization. Furthermore, I demand the removal of any derogatory marks associated with my account due to these unlawful actions. 
Violation of Applicable Laws : It is essential to acknowledge that the actions of XXXX XXXX have violated several relevant laws, including : a. The XXXX XXXX and Corrupt Organizations ( RICO ) Act, 18 U.S.C. 1961-1968 b. The Federal Fraud Statutes, including 18 U.S.C. 1343 ( Wire Fraud ) and 18 U.S.C. 1341 ( Mail Fraud ) c. Laws governing False Reporting, such as 18 U.S.C. 1001 d. Laws governing Extortion, including state and federal extortion statutes e. Unauthorized use of personal information, a violation of privacy laws I insist on your full cooperation in addressing these issues and complying with my demands. Failure to do so will result in my pursuit of legal action to protect my rights and interests and to ensure that XXXX XXXX is held accountable for its unlawful actions. 

Please contact me at XXXX or via email at XXXX to discuss the specifics of returning stolen funds, the removal of unauthorized securities, the closure of my account, and the removal of derogatory marks. 

I expect a prompt response from XXXX XXXX regarding these demands, outlining the actions you will take to rectify this fraudulent and illegal situation. 

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/XXXX 5 calls robocalls XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) At XXXX I called the last number and discovered it was the man I spoke to from MCM ( Midland Credit Management ) on XXXX 2024 He called me by name. I hung up once I heard his voice. 
XX/XX/XXXX calls XXXX ( XXXXXXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) about once to 2 times a day from XXXX calls coming from a local area code never leaving a message
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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
Product: Mortgage

Listing some of the constitutional rights Mr Cooper has been Violating 1 ) 1024.35 Error resolution procedures. Rule ( 7 ) Failure to provide accurate information to a borrower regarding loss mitigation options and foreclosure, as required by 2 XXXX early intervention requirements made available for certain borrowers Rule ( 11 ) Any other error relating to the servicing of a borrower 's mortgage loan. 

XX/XX/2021 I sent a email to Mr Cooper asking for accommodations and itemized accounting of all documents submitted on modifications in questions as well as other procedural questions. This was purposely ignored and they sent more than 100 pages via mail of the SAME documents they have been supplying since XX/XX/2021 spits in teh face of my constitutional rights to get to the bottom of errors and clear things up cause I have been truly suffering this entire time and Mr cooper Even sends a copy of the email sent from me in XX/XX/2021 so MR COOPER has the capability to retrieve my emails/documents retroactively ( XXXX!! ) but cant retrieve the very documents that i requested to clear up errors Mr cooper can ONLY read my email when its disrespectful or convenient for them to character sabotage but are oblivious when im trying to get accommodations because of my XXXX. What's so XXXX about all of this is mr cooper sent these documents individually already this month SEVERAL TIMES!! .then sent it all in a 50 page document then this last one is sent and its like 100 pages plus!!!!!!! i only scanned seventy cause Im using a XXXX XXXX XXXX and i have to manually scan it and it got cumbersome but WHY are you sending these documents over and over and over and over again??? why Mr cooper?? then when i complain you get off on a rule technicality!! is this why the XXXX was calling me to let me know of the mail drop? HAHA how did the XXXX even have assess to uncode my number that was deleted from your system ( XX/XX/2021 ) to call me on the XXXX ( when you are already supplied enough paper for a small forest ) don't leave a message to only see my complain yet you call me again don't leave another message then miraculously do another document drop of the same REDUNDANT information that you've ben supplying to everyone and that explains a lot.
Product: Payday loan, title loan, or personal loan

Beginning in XXXX, Ally Bank XXXX XXXX XXXX, XXXX, TX XXXX is taking an exorbitant amount of time to post payments to this account and claiming they did not receive the payment in time and then charging {$35.00} late fees. 

XXXX XXXX was due XX/XX/XXXX. Payment was debited from by XXXX XXXX  checking Account via XXXX on XX/XX/XXXX and posted to the Ally Bank account on XX/XX/XXXX. 11 days after the payment left my bank account. 

XXXX XXXX was due XX/XX/XXXX. Payment was debited from my XXXX XXXX  checking account via XXXX on XX/XX/XXXX and posted to the Ally Bank account on XX/XX/XXXX. 3 days prior to my due date, yet I was still charged a late fee on XX/XX/XXXX. 

XXXX XXXX was due XX/XX/XXXX. Payment was debited from my XXXX XXXX  checking account via XXXX on XX/XX/XXXX and posted to the Ally Bank account on XX/XX/XXXX. 12 days after the payment left my bank account. 

I have called and escalated this issue with a supervisor there and the only thing they can tell me is to use their AutoPay system to make the payment. They say their postal service is horrible at delivering their mail. Not my problem, why I am being penalized when my payment is leaving my account 5 days early to insure they get their payment within the guidelines they gave XXXX XXXX  ( see statement on the proof of payments ). I purposely use my bank 's bill pay system to keep all my bills in one place and utilize this with many other companies and don't have any issues with them getting payments on time.
Product: Mortgage

I applied for a conventional home loan with PNC mortgage, which is the company I used to purchase my home 12 years prior. I was relocating a few states away and process seemed to be going slowly with no updates and then finally no communication from the loan officer or her processors. My Realtor and I inquired as to the Appraisal and was told it was completed, but then the Appraisal company told me and my Realtor a few weeks later that they didn't ever complete it. I had paid almost {$600.00} for the appraisal ahead of time. I ended up going to another Mortgage Broker ( XXXX XXXX ) to save the contract and I was able to get the loan closed after a few weeks. I requested my money back from PNC and the loan officer on XX/XX/2021 and was told she would look into it but I have not had any further communication or my money refunded to me. I ended up paying for an Appraisal that I never received and having to pay again for one I did receive from the new lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXXXXXX XXXX Balance : {$700.00} XXXX XXXXXXXX XXXX Balance : {$450.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXXXXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$250.00}
Product: Debt collection

In XX/XX/2019, I submitted to all 3 credit bureaus to remove a collection in the amount of {$2000.00}. This collection is not mine. I do not owe this debt. I do not know who this creditor is, and after months of trying to remove through mailing out dispute letters, this continues to be on my report. On my reports that I recently ordered, it shows the name as " National Credit Systems. '' I have no knowledge of what this debt is in relation to, and am asking that it be removed because this does NOT belong to me. I was also informed by the credit bureaus that my data was breached in all 3 bureaus. XXXX  I believe recently removed it about 1 to 2 months ago. However, XXXX  and XXXX  still have this debt on my reports. This has caused me issues in being able to acquire new credit and a suitable apartment to move into. I have been homeless for years and this debt has caused me to lose many opportunities with finding a new home, and has impacted my job search in the past as well. Please have this removed asap from all bureaus. Thank you.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and I have no idea how they appeared. I check my report regularly, but this time there were inconsistencies. After refreshing my browser to see if it was a technical issue, the inquiries were still there. I need these documents reviewed immediately so I can stop worrying about this ongoing issue.
Product: Credit reporting or other personal consumer reports

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$10000.00} on XXXX XXXX XXXX original creditor XXXX XXXX WA account number XXXX. ( Please see page attached from my credit report. ) When I initially moved into the apartment I discovered there with two bulging holes in the roof ; along with numerous other defects in the apartment. I immediately contacted the management office and requested they send the maintenance supervisor and a crew member, along with the apartment complex manager, to investigate the roofing issues, as well as the other defects in the unit. I was assured by the apartment complex manager that these issues would be immediately resolved. The numerous repairs to the unit were never completed. Consequently, I had no choice but to vacate the premises. Due to the numerous repairs that were needed to the unit I was assured by the complex manager that I could vacate the property and that I would be released from the lease and that no collection action would be taken. The apartment complex did not honor their word. The supervising manager fired not only the apartment complex maintenance manager, but the crew member who initially investigated the material defects in the unit. I do not owe any outstanding balance and this false reporting of a collection is seriously harming my credit score. I have tried to contact the management company, as well as the bureaus to remove this collection however, I have not been successful. This line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

someone applied for credit in my name. Been in contact with XXXX XXXX and XXXX XXXX. Please see the attached letters.
Product: Debt collection

Received calls from company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX some prior to that but do not have record. 

Claim there is amount owing of approx {$160.00}. for XXXX Informed them billing is wrong, and go back to XXXX and correct it. Nothing is owed ' they just keep calling and threaten me with further action. I told them months ago to stop calling.
Product: Credit reporting or other personal consumer reports

The information concerning XXXX is in accurate, and would like it removed. I have reached out to the company multiple times with no proof. Bill was paid, and equipment was returned. They are taking advantage of people. I have been disputing this for the last XXXX years. It comes off, then comes back on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around the end of XXXX XXXXXXXX of XXXX, I contacted XXXX XXXX XXXX XXXX for resolution to defaulted account with a balance of around {$700.00} at the time. I was effected by job loss and covid displacement and informed I was entitled to programs which would help for each circumstance and phase out this bill and keep from collections and negative reporting of my credit. I was informed after forgiveness of late fees associated with the account was granted and the new balance was {$420.00}. I was told this is where the covid relief plan implemented that day would take of this and the account would be closed and no longer usable. For over a year I never received any info the account was active, at one point the account was removed and closed with {$0.00} balance on my credit report before XX/XX/XXXX where it now shows as a collection of {$800.00}. I spoke to XXXX XXXX and they have record by voice recording of these proceedings but " have no way of forwarding this to me or the collection agency and it is out of their hands. '' XXXXXXXX XXXX states to have had the collection for over a year but never sent out any correspondence when the account was sold the same month I had it resolved. Being told " it's too late '' to do anything should be against the law, the representative of their company should be held accountable not my credit. I have been unable to secure housing based on the negative effects of this on my report.
Product: Money transfer, virtual currency, or money service

Dear Sir, I am a customer of Citibank ( checking XXXX ) and I desired to make a private investment to a counter-party from such checking account. 
The investment agreement required me to have paid by XX/XX/XXXX and included a {$500.00} late-payment penalty if my funds were not available to the counter-party by such date. 
I triggered a check payment onXX/XX/XXXX through the citibank portal, and, given that my checking account had ample funding for the transaction ( and continued to have ample funding throughout ), the Citi-portal issued the corresponding check. 
The check arrived at the counter-party XX/XX/XXXX. With the check-arrival confirmed and ample funds in my bank I left for an extended trip into the XXXX region in XXXX, where I was offline for 10 days. 
The counter-party managed to cash the check, however, the debit to her account was immediately reversed by Citi 's internal fraud department, who suddenly, without any reason to do, decided that this was an unusual transaction and that they needed to speak to me on the phone to confirm 10 (! ) days after the check was issues through the citi portal, and one day after it was deposited by counter-party. 
As I was offline citibank could not reach me an called back the funds. 
As a consequence defaulted on the contract and had to pay {$500.00}. I have been in many many correspondences with Citi to reclaim the  {$500.00} without avail. 
My complaint is as follows : When issuing a check from a funded account I need to be able to rely on citibank making the payment. If there are doubts in citibank 's fraud department then those need to be addressed as the check is issued - not 10 days later when the check is cashed. 
Citi needs to own its mistake and make me whole.

To be very honest - with the time and effort I have investment to this date I feel {$1000.00} is more appropriate at this stage, as Citi is now  delinquent for 18 months. 
Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Debt collection

I have received letters of credit card debt collectors threatening to sue me for old balance.
Product: Mortgage

I have being trying for years to fix the situation on my home. For years, I 've being in and out of court without any positive results. The lender has not been willing to work something out. I believe that a fraudulent foreclosure is being processed because I do not even know the owner of the loan I defaulted.
Product: Checking or savings account

Opened US Bank savings account in XX/XX/2020 with new account bonus offer of " deposit {$5000.00} by XX/XX/XXXX and hold for 6 months '' for {$100.00}. I met these conditions, as clearly seen in attached deposit statements, yet US Bank is trying to scam me out of {$50.00} - clearly bait and switch. This complaint is a continuation of a complaint that was unilaterally closed after the bank 's response as I was not given the opportunity to respond to their lies by exposing them.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint against Experian for Failure to Follow Federal Law on Dispute Process Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding their failure to adhere to the federal law on the dispute process. On XX/XX/, I sent a certified letter ( XXXX XXXX : XXXX ) to Experian, including a copy of my ID and a utility bill as requested for the dispute investigation. 

Despite providing substantial evidence to verify my identity, Experian has not conducted the necessary investigation, as mandated by federal law. This lack of adherence to regulatory requirements is deeply concerning and has caused significant inconvenience on my part. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate actions against Experian for their non-compliance with federal regulations. 

Thank you for your prompt attention to this matter. 

XXXX XXXX
Product: Vehicle loan or lease

Credit Acceptance This company illegally made me put a down payment on the vehicle when I got approved for the loan. I also contacted the agency and informed them that I was having issues paying the vehicle off and the illegally repossessed the vehicle. Ive never received a notice of repossession.
Product: Credit card

I signed up for a Care Credit Card with Synchrony Bank in XXXX of XXXX. It during an appointment to receive XXXX  XXXX. I clearly went over this with an agent of Care Credit and they set me up with a recurring payment to ensure I would not incur any late fees or other fees. I was led to believe that my monthly payments would cover the XXXX with no interest or hidden fees. In XXXX of XXXX I was hit with a huge interest charge. I called them and they told me that this was the interest accrued over the time of the charge so far. This was never explained to me when I signed up for the card. I offered to pay the rest off and for them to cancel the massive interest charge. They said there was nothing I could do. This company deceived me and did not explain these terms up front. They are now doing nothing to correct their wrong doing. If I had known this was going to occur, I would have never signed up for the card. I believe this to be predatory and purposely deceitful.