23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, On XX/XX/XXXX I took out a {$400.00} loan with XXXX XXXX. The debt was assumed by XXXX XXXX ultimately and I paid it off as of XX/XX/XXXX. I have all the documents from XXXX XXXX and XXXX XXXX to support this and have spoken with someone from XXXX XXXX today who verified this. However, I have received a call from attorneys Cordoza and Wexler who say that I still have an outstanding account with XXXX XXXX and they would like to serve me with a court order! This is absurd as I have paid off the account and have proof. The person I spoke with stated this is on my credit report. I have today downloaded all three credit reports as of today and there is NOTHING from XXXX or any outstanding creditor for that matter. I feel as though someone is trying to bilk me. I recently spoke with XXXX XXXX who assured me that I am not delinquent with them. I called XXXX XXXX   XXXX back and they told me I would need to clear this up in the courts. I have never been served and would never appear for a matter I am absolutely innocent of! I have the proof that I have taken care of this loan yet they respond aggressively and defensively. I have also asked XXXX XXXX to contact them directly. I have been informed by XXXX  XXXX they they are in no way involved with Cordoza and Wexler and have the transcript to prove it. I am attaching the e-mail from XXXX XXXX and the chat transcript with XXXX XXXX. i have all my credit reports here but for obvious reasons did not want to attach those.
Product: Checking or savings account

To Whom it may concern : On XX/XX/XXXX XXXX XXXX ( email address : XXXX, address : XXXX XXXX XXXX XXXX XXXX, NC XXXX ) sent me an email requesting my freelancer translation service. They agreed to send first half of my payment ( XXXX  dollars ) on XX/XX/XXXX. The pay check was issued through XXXX XXXX by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX The pay check arrived via XXXX ( Track number XXXX ) and carries more dollar amount ( XXXX ) than what is in the agreement ( XXXX ). My son helped me to deposit it on XX/XX/XXXX at chase bank location XXXX XXXX XXXX ATM machine. 
At this time, XXXX pressured me aggressively to return the difference through XXXX to : XXXX XXXX His XXXX associated phone number : XXXX Name on account : XXXX Since my bank showed the check was cleared and fully available, I sent XXXX dollars on XX/XX/XXXX and XXXX dollars on XX/XX/XXXX to the above through XXXX respectively. 
The same day they received the money, Chase bank informed me my account was over drafted, since the XXXX dollar check is fake. 

My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX My phone number is : XXXX Sincerely, XXXX XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXXXXXX XXXX ( 2 days ago ) to me Also, if you have XXXX, you can send the balance of {$650.00} via XXXX to the XXXX information below : $ nunuade
Product: Checking or savings account

I want my 3 checking account and 2 savings to be remained opened as usual and also allow access to my funds as usual. If this isnt rectified, I will get my lawyer involved to have access to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

please review the following accounts that appear on my credit report without any authorization XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

3. Identity Theft DISCOVER BANK Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
XXXX XXXX  XXXX Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine.
Product: Debt collection

On XXXX XXXX XXXX an email from UNIFIN, phone number XXXX XXXX XXXX, to someone I know to collect a debt. The email gave my name and what the debt was from and the amount. Email had all my account information in it and also asking me how to pay debt. Email was never sent to my email address on file just my relative.
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an 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 seven 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 that the information is inaccurate.
Product: Credit card

This complaint is about Barclays Bank I got my statement from this bank and on my statement they did not put down my purchases. They just gave me a statement just with a total. I told them that they were supposed to put down the purchases to let me see my purchase it, and how much they was they refused to do that. I have other credit cards and all of my statements come to me with the purchases and then tell me how much I need to pay. This bank is not putting down. No purchases just give me a total and I feel this is not right, and I wont statements with purchases on it so I know how much I paid for the merchandise because they could overcharge me without me knowing thank you very much
Product: Credit reporting or other personal consumer reports

Dear Transunion LLC, I am writing to dispute inaccuracies on my credit report as provided by Transunion LLC, in accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681. Upon reviewing my credit report, I have identified several errors that require immediate attention and correction. I Have Attached a credit report identifying the inaccurate errors on my credit report Under the FCRA 15 USC 1681, I understand that Transunion LLC is obligated to investigate my dispute within 30 days of receipt and to notify me of the results of the investigation. I kindly request that you notify me in writing of the actions taken to correct the inaccuracies on my credit report. 

Furthermore, I request that you provide me with a free copy of my updated credit report once the necessary corrections have been made. 

Please ensure that all future reports accurately reflect my credit history to prevent any further discrepancies or misunderstandings. 

Thank you for your prompt attention to this matter. I look forward to your timely response and the resolution of these inaccuracies.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX XXXX. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXX ( XXXX ). According to, XXXX XXXX XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXXXXXX XXXX ( XXXX XXXX ) in XX/XX/XXXX. However, I never received a bill and unfortunately forgot about the account until I discovered it on my credit report in XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX  and explained the problem. They accepted payment for {$350.00} which was the original amount plus interest ( waived the late fees ) and told me that he account would be reported as closed and paid. My next credit report showed that I was still in " charge-off '' status in the amount of {$610.00} ( full amount plus interest plus late fees ) AND I now had an additional current balance of {$250.00} ( amount of the late fees ). I asked for a letter stating that the account was paid and closed. I will attach the letter they sent me. I have been unable to remove the " charge-off '' status or the " current '' balance of {$250.00}. The original charge was {$280.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 When calling the XXXX customer service, my credit report is not available to me online and the password reset option does not save the last password I've entered. I was asked for my social security number and they used it to apply for a car loan. The credit reporting service did not assist me in logging in properly, there is no acess online for disputing the added information to my credit report and they have added collections which interfere with my housing. It is causing a XXXX situation.
Product: Vehicle loan or lease

I leased a XXXX XXXX through XXXX XXXX, XXXX XXXX, AR, financed through Santander Consumer USA. Within the first three days I noticed the vehicle was driving bad. After inspection it was found that the transmission was slipping. After a tedious time of trying to return the vehicle, I was allowed to. The day that XXXX XXXX paid off my loan, Santander had the vehicle repossessed. I have not been able to retrieve my items. I tried and tried and have filed multiple complaints. I also, contacted Santander multiple times regarding this vehicle and was advised to not return the vehicle because XXXX XXXX could resale it. My items and money that was in the vehicle were never returned to me. This too has been a tedious time. When the vehicle was repossessed Santander should have sent me a letter, that allows me to pay off all debt to get the vehicle back but they took the vehicle directly to Texas from Arkansas. My next step is getting an attorney. My dads ashes were in the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont have any recollection of any of these inquiries these are not mine they are credit error I never authorized anyone to pull my credit. Listed are the increase they need to be removed thank you for your help. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I received a check from my XXXX loan from XXXX XXXX. The bank was already closed when the check arrived. I deposited it from the mobile app. 

I wen tot he branch on XX/XX/year> as the money was not deposited and there was no notice in the app. I sat and waited, with my paperwork and documentation of the check 's authenticity. They told me that the mobile app is only for deposits under {$1000.00} but there was nothing flagging that it would not take the deposit. What's more, I was told the funds were locked up until XX/XX/year>. They said I should have came ot the bank and the funds would have been available within 24 hours. I asked them to reverse the deposit and redeposit my check as I had it with me. They said no, they couldn't do that. I said call someone and they said the bank manager was out ( many of them were out that day as I spoke to several branches and they could not find one who was working ) and that they did not have any phone numbers at BMO corporate. As a result of a 10 day hold on MY MONEY, I am unable to buy food, pay my rent, car note, internet, credit card payoff and auto insurance. What's more, it ruined my holiday, put me in a horrible place with what the money was earmarked for and I am incurring late fees, collection calls and the account is now overdrawn {$3.00}. I am asking they pay for the late fees, and the credit score I will be hit with. They had a breach last summer where they lost my payroll deposit causing similar problems. About a year ago they merged with a XXXX XXXX bank and called to to let me know they were changing my account numbers, accounts I have had for decades. I was told they would handle all the services and it caused a huge mess that took months to fix.
Product: Checking or savings account

I had navy federal opps program they charge me overdraft and close my account
Product: Mortgage

I tried to pay my mortgage online on XX/XX/XXXX. I could log into my online account but could not make a payment online or access my information so I called Citizens and made the payment through their phone banking system. I then talked to someone about fixing my online account, but was transferred multiple times and still did not get the problem resolved. I spoke to several supervisors and multiple employees, and was on hold a total of about XXXX hours throughout a weeks time from XX/XX/XXXX through the XXXX Today. My issue with the online banking system is still not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  XXXX XXXX  Credit card Acct # XXXX, which was opened XX/XX/XXXX without my permission claims the card was closed At Credit Grantor 's request : This is not accurate, when I found out about this card, I paid the small balance off and request the account be closed. Therefore the statement should say Account closed at consumers request Further, the account was never late in XXXX, XXXX, XXXX, XX/XX/2020. Please correct these details. 

Also There is a XX/XX/XXXXXXXX XXXX account, the Original Creditor is XXXX XXXX XXXX. XXXX XXXX XXXX billed me for services that were not performed. I am requesting the accounting of this debt from XXXX XXXX XXXX. I went into this location and was informed they could not treat me, so how am I being billed {$290.00}, when no services were performed or provided? 
Please remove this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted XXXX complaints informing Transunion and XXXX that I was a victim of identity theft. Transunion and XXXX are failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. Transunion and XXXX have claimed the account listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

this is a medical debt for XXXX XXXX XXXX XXXX XXXX XXXX that should be removed from my credit report and the phone calls should stop. the company is Americollect
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts on my credit file do not appear to be accurate
Product: Bank account or service

I recently wrote to US Bank regarding a reporting error on my credit card # XXXX. 
I have had this card for almost 10 years and have never, ever missed a payment. I recently applied ( and was approved ) for a XXXX card. I had not looked at my credit report for many years. They told me that in 2010 US Bank reported a late payment. I have made over 240 payments and have never, ever sent in a late payment. The sent me back a letter saying that they verified it as being correct ( see attached document ). They did not supply me with any information, any proof that it had not been paid. I was to just accept their word and that was it. 
I wrote a letter to the CEO explaining to him I was trying to refinance my home and that this one late payment ( the only blemish on my credit report for over XXXX ) asking him to look into this error. I was also verbally harassed by a supervisor at US Bank accusing me of having several late payments. He said it was recorded so their is a record of my complaint. 
This is a severely flawed system. US Bank believes ( as does XXXX XXXX which I am a client ) that they are not responsible for any errors and that I am just supposed to take what they say at face value. They could say anything and I have no recourse. 

I am asking you to conduct an investigation into this type of behavior and ask what ever banking agency monitors their system to change it so that a card holder of a credit card from them. I am also asking you to inform them to delete this 30 day late payment on my credit report. My past history demonstrates that this has never happened in ove 10 years. I was never informed that my payment was late nor was I given any notice that my check was not cashed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not know that XXXX  got hacked in XX/XX/2017 and never received notification in the mail as they stated they were going to notify everyone affected. 
My homeowners insurance is coming up for renewal and they can not renew it because XXXX put a flag on my account when it got hacked stating Potential Fraud. 
XXXX refused to remove this even though I gave them PLENTY of personal information that would prove that I was who I was in able to get the flag removed. 
I am not able to aquire homeowners insurance because a Company that I DID NOT GIVE PERMISSION to receive and store my personal information let it be stolen. 
They stated that my NAME, SOCIAL SECURITY NUMBER, BIRTHDATE, ADDRESS, WORK HISTORY and everything else they collect got stolen. 
*I WANT A NEW SOCIAL SECURITY NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Product: Debt collection

Re : XXXX To Whom It May Concern : This will serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communications with me in regard to the alleged debt, referenced above. Do not contact me or any third parties via telephone, email, or mail regarding collection of this alleged debt.

I formally dispute the validity of this alleged debt. My dispute of this debt will be sent to Consumer Adjustment Co electronically, via CFPBs portal, and to the address referenced above, via certified mail, for record keeping purposes. 

In violation of both FCRA and FDCPA, I never received any notice of this alleged debt, with all of the required components, or of my right to dispute. However, as of XX/XX/2024, this alleged and fraudulent collection account was reported to my credit report. I do not owe this debt or any debt to Consumer Adjustment Co. or to any third party Consumer Adjustment Co. is stating to represent. I was a victim of identity theft and had a plethora of accounts fraudulently opened in my name. I have, again, enclosed a copy of FTCs id theft report to this letter.

As it is apparent that this alleged account was opened fraudulently, it is unconscionable that Consumer Adjustment Co. chose to initiate credit reporting and collection efforts, without giving me my legal right to dispute.

Per FCRA and FDCPA, all reportable information has to be true and accurate prior to reporting. Consumer Adjustment Co. has failed to follow the law and has taken adverse action against me and my credit report, by placing a collection account on my credit report, which was opened by way of fraud, without giving me proper notification and my right to dispute. 

As such, I formally request that all adverse information placed against my credit report is removed immediately upon receipt of my documentation, and that further collection activities are ceased. You are also notified that should adverse information remain on my credit reports, and if collection activities continue, appropriate legal action will be taken. 

Thank you for your attention in this matter. 

V/R, XXXX XXXX
Product: Student loan

Tried numerous times to consolidate loans, using foreberances ( Navient still withdrew money from my account, causing overdraft fees from my bank ) and the website is not very user friendly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to dispute some accounts that were on my credit report with Trans Union, XXXX, and XXXX. I did so because there are collections on my report which I do not owe or are not mine. I still haven't heard anything from any of the credit bureaus. I read how you have taken a relaxed stance on the credit bureaus from doing their job. I placed the link below even though I know you are the ones who issued it so are ware of it. 

https : XXXX All I want is for the credit bureaus to do their job. They need to delete accounts that do not belong to me immediately and they need to do so without me having to file complaints against them. Thank you.
Product: Credit card

On XX/XX/year>, I applied for the XXXX XXXX credit card ( Earn up to XXXX bonus points after spending {$4000.00} in purchases in the first 3 months from account opening. Plus, earn XXXX Bonus Points after spending a total of {$7000.00} in the first 6 months from account opening. Offer ends XX/XX/year>, at XXXX AM XXXX. ). 

I received XXXX night certificate in my account after spending {$3000.00}. That is not the offer that I applied for. 

Ive attempted to resolve this with Chase XXXX times and have been unsuccessful. 

I do not want the XXXX night certificate. I want the points.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There is an inquiry on Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiry is : XXXX. XXXX XXXX - XX/XX/2025 XXXX