23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The account in question isnt mine. I have a different account with someone else since XXXX of XXXX and the account was open in XXXX of XXXX. I called the company and the company couldnt do anything because I dont have the account number.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX a dispute process was completed with transunion regarding a rental application I was denied on with the basis of that denial being an erroneous XXXX degree XXXX XXXXt historical item that belongs to the person who stole my identity. I furnished an Identity theft document provided to me by the Colorado Bureau of Investigation 's fingerprint analysis department and Identity Theft unit to that effect and they ( Transunion ) said that the erroneous derogatory item was suppressed or removed from my transunion report. However, on Monday XX/XX/XXXX a new rental application was autodenied because of this same erroneous derogatory item. It was supposed to be removed in XXXX of XXXX. I am complaining because I am at risk of homelessness and its because renters think I'm a XXXX XXXX and I am not. It was transunion 's responsibility to suppress or remove the erroneous record a ross all of their products and consumer reporting and they did not follow through. I need transunion to immediately remove the wrong information and contact the landowner or landlord to correct the false information.
Product: Checking or savings account

There was fraudulent activity on my account. Truist bank refused to assist me with the issue in terms of investigating and instead closed my account and reported the fraudulent amount on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

1803 CAPITAL  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX XXXX ( XXXX ) XXXX {$23000.00} Amount Reported XXXX 's XXXX XXXX XXXX  XXXX at XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX According to 15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT LAW, this company was never given permission to report this to my credit. I traded my car in for a car and they scammed me. The motor went out after reporting to them on several occasions that something was wrong with the car after noticing it smoking. I did out of pocket expenses to fix the car nothing could prevent it from going out. I only had the car for two months and the company is giving me run arounds and i gave the vehicle back. Without receiving my old car back and they have the wrong amount that was agreed! I have faced multiple hardships because of this. I cant find a place to stay because they have reported this to my credit! I call them on multiple occasions trying to resolve it with them they send me to voicemail, dont return my calls, they speak to me rude and offer no help! CONSUMER LAWS START WITH 15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT meaning did they get my permission to report on my consumer credit every violation is {$1000.00}. Florida law makes an exception : If your unpaid balance at the time of default is less than {$2000.00}, the lender can't go after you for a deficiency. ( XXXX XXXX. XXXX. XXXX ( XXXX ) ).
Product: Money transfer, virtual currency, or money service

My bank transferred money to a Zelle account. The recipient said she never received the money. Zelle repeatedly said they would not/ could not verify that the money was deposited in the recipient 's account ( employee XXXX XXXX, badge number XXXX, although he did lie about giving me the correct department phone number, as his department was the wrong one ). 
The recipient still claims there was no transfer of the payment. 
My bank claims the transfer was completed. 
My bank sent the following : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Either Zelle is refusing to transfer the money to the recipient or the recipient is trying to defraud me. Without Zelle or the recipient confirming the transfer, I can do nothing and need help.

Thank you
Product: Checking or savings account

Deposits of cash several months ago of over XXXX bank forced customers to provide ID and related information even when one has established relationship. Than a few weeks ago they said they changed this policy to XXXX and below. Than again now it has been changed to under XXXX and again it has been changed to under XXXX  and so forth. 

I understand they can do this to customers who don't bank with TD Bank but they are overreaching their authority when making these requests. And not all TD Banks do this. Each bank branch does it on its own and allows the employees to ask for ID and personal information. This is discriminatory practice.

Federal Law Requires banks to report any cash deposit over XXXX dollars. Or any suspicious transactions. For example I have alot of rentals and deal with cash rent and etc. This simple can not be a policy when one has established accounts with the bank. 

The Bank must have it as a uniform policy with all branches not a branch here and there and let employees make up their own policies. 

For Example, TD Bank Branch in XXXX NJ, same employee I deal with will ask for ID when it isn't necessary. Her name is XXXX. This is a discriminatory behavior and this was reported to the bank manager several months ago.
Product: Credit card or prepaid card

I paid off my card balance in XX/XX/2023 and mailed in a request to close my account at the same time as they kept charging fees and not sending statements so I did not know I owed anything. They cashed the check and did not close my account. I have not received any statements asking for payment or any account information and they just reported a balance of over {$100.00} and a late payment to my credit report. This account was at {$0.00} when my check was cashed and account was to be closed. This account was supposed to help my vredit and their fees and not sending statements has significantly hurt my credit. I have not been able to contact them to close the account or even get a statement.
Product: Vehicle loan or lease

XXXX XXXX has consistently harrassed me when my payment is one day past due my payments are {$53000.00} per month, If the payment is one day late they will e-mail me and say that I am two payments past due. I wrote the CFO in XXXX about on several occasions to no avail. I am old school ( XXXX years old ) and have purchased many cars there has always been a ten day grace  period from the due date. 

My account number isXXXX Please help XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$500.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting

I requested a credit report for me and my wife from Experian on their website. The company requested a credit card for the {$1.00} charge. A week later, XXXX charges for {$23.00} each showed up on my credit card. When I called Experian to get the charges removed, they said I agreed to the charges when I requested the credit report. They refuse to refund the charges. I spoke to a supervisor and to the corporate office in California and XXXX XXXX, and all refused or were unable to get the charges returned. Please help me with this, this company has ripped off thousands in this manner.
Product: Credit reporting or other personal consumer reports

The company did not provide me with documentation of the original contract with signatures as requested. And have not validated my debt. I have not received any calls or letters in mail from Bridgecrest as of XX/XX/year>.
Product: Mortgage

I had a HELOC originally with IndyMac Bank. When that bank failed it was transferred to Ocwen Loan Servicing. I satisfied the loan in XXXX, XXXX and received a letter acknowledging the payoff and promising to record a satisfaction. In XXXX, XXXX I sold the property and the title company found the satisfaction had not been recorded. There ensued a countless chain of phone calls and emails trying to get this resolved. Ocwen said there was a " chain of title issue '' that needed to be resolved. Closing was scheduled for XXXX/XXXX/XXXX and only because of diligence by the title co. were they able to get a letter that allowed closing. 
Today, XXXX I received a letter from Ocwen saying that they are drafting the satisfaction and will send it for recording. In other words the loan has not yet been satisfied of record. 
This is completely un-professional and, in my opinion, quite unethical. 
While they were more than happy to send me bills and accept payments. it seems they never officially owned the loan until just recently. I know the loan was my obligation and I paid it. The contract however is a XXXX XXXX street and they did not hold up their end. They are impossible to communicate with and have no concern that I was selling the property. 
THAT 'S JUST WRONG. Any help in ensuring this does not happen to someone else who did not have such an understanding and dedicated title company will be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged into XXXX, to find an account that I have no knowledge of and let along DO NOT EVEN KNOW WHAT IT IS. Under the FCRA if a consumer owes a debt, they must be notified by the company within 30 days. I was NEVER notfied of any debt. I don't even know what this debt is. This also violates the Fair Debt Collection Practices Act. As mentioned I noticed the account XX/XX/2021 at XXXX. I immediately notified my attorney because I have never been in a situation like this. My attorney has filed a formal civil complaint against Enahced Recovery Co. L This also violates a bunch of other subsections within the FCRA, FDCPA , SCRA , 15 USC 1681, meto 2 compliance and many more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that XXXX, XXXX and Transunion either verify or remove all reference to debts reported by XXXX XXXX XXXX. None of these three credit reporting bureaus have been able to show me proof that I owe this collection agency any thing at all, but still report this debt as mine. I have sent each of them four individual letters between XX/XX/XXXX and XX/XX/XXXX demanding that they show me proof of their verification, but they have not done so and continue to report debts that are not mine.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding several inaccurate accounts that continue to appear on my credit report. Despite my earlier disputes, these accounts have not been corrected or removed and are unjustly affecting my creditworthiness. 

Despite submitting this comprehensive information, I have not seen any corrective action taken. These accounts continue to appear on my credit report, reflecting inaccurately and unfairly XXXX my credit score. 

Furthermore, it has come to my attention that despite my dispute, your bureau has failed to conduct a reasonable investigation into the matter, which is a clear violation of the FCRA. The FCRA mandates that credit bureaus must conduct a reasonable investigation into disputed items on a credit report. The lack of investigation not only violates my rights under the FCRA but also undermines the integrity of the credit reporting system.
Product: Credit reporting or other personal consumer reports

As a Consumer I have the right to a fair and accurate credit report. 15 USC 1681e ( b ) ensures that CRA 'S follow reasonable procedures to ensure maximum possible accuracy of the info being furnished about me. I have late payments on my latest report that are not being reported to the maximum possible accuracy. 15 USC 1666b ( a ) ensures that late payments be reported using reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I am requesting proof in the form of documentation from CRA 's that shows Santander Consumer used reasonable procedures from 15 USC 1666b ( a ) and that CRA 's used reasonable procedures from 15 USC 1681e ( b ) to ensure the info was accurate before posting it to my report.
Product: Credit reporting or other personal consumer reports

Formal Request for Removal of Inaccurate Late Payments on My Consumer Report : Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). After carefully reviewing my credit report, I have discovered several accounts and notations that do not belong to me or are otherwise inaccurate.

I am writing to formally request the removal of inaccurate late payments from my consumer report under the authority provided by federal law, specifically 15 U.S.C. 1681a ( 2 ) ( i ) and 15 U.S.C. 6802. After reviewing my credit report, I have identified certain late payment entries that do not accurately reflect my payment history and believe they should be corrected.

Under 15 U.S.C. 1681a ( 2 ) ( i ), which defines consumer report and governs the use of my personal information, I request that the inaccurate entries in question be re-investigated and promptly corrected or removed. Additionally, under 15 U.S.C. 6802, which governs how my financial information is shared and handled by institutions, I expect that my personal data, including the incorrect information being reported, is handled with the utmost care and in compliance with the Fair Credit Reporting Act ( FCRA ). 

Specifically, the following entries are in dispute : XXXX Never Late XXXX XXXX XXXX- Never Late XXXX XXXX XXXX Never Late XXXX XXXX XXXX XXXX Never Late These inaccuracies are a violation of my rights under the FCRA, which ensures that consumer reports must be accurate, complete , and verifiable. 

As previously filed i am requesting the removal of the accounts.
Product: Debt collection

XXXX XXXX is attempting to collect a debt balance that is being inflated with a ridiculous amounts of fees. The debt has reached {$5800.00} which now includes {$890.00} of collection fees. This is outrageous and there is no way anyone would be able to pay a debt that continues to accumulate fees that are in the thousands. This is outright consumer abuse. I have attached the notice I received of the inflated balance that is attempting to be collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I turned XXXX XX/XX/2021. I tried to obtain and they said i had collections and un paid bills. Im a minor with a XXXX at the time the reports was made. Anything on all 3 credit reports are not mines. Because I never open up a acvount. Im trying to rent a apt and get a cellphone but these issues needs to be disolved I turned XXXX XX/XX/2021. I tried to obtain and they said i had collections and un paid bills. Im a minor with a XXXX at the time the reports was made. Anything on all 3 credit reports are not mines. Because I never open up a acvount. Im trying to rent a apt and get a cellphone but these issues needs to be disolved. My social XXXX XXXX XXXX
Product: Checking or savings account

BANK OF AMERICA. Recently in XX/XX/XXXX. I found thousands of dollars claimed to have been deposited in my Bank of America acct., related to a XXXX case paid by a Federal Government office. A check that was deposited in XX/XX/XXXX after opening a Savings acct. I found years of up to date of bank statements that was altered. Fees charged to my acct that I didn't even have knowledge of, transactions made to companies never heard and/or used before. I recently learned of XXXX credits cards used at a business vendor. I found reports on my Credit Report for vendors. I had no knowledge of the BOA activities. I submitted all what I recently discovered to The U.S. District Court of Maryland. 
Also submitted was a singed letter from former XXXX XXXX XXXX of {$1400.00} from Covid Relief when I only received {$600.00}. There was no reflection of that deposit. 
I also recently made a withdrawal from one of BOA ATM machines, by taking too much money. I tried to redeposit the money and the ATM rejected the same money given to me. I believe BOA is depositing Fake money into its ATM 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed complaint number XXXX with you regarding XXXX account filed by XXXX on my XXXX credit report. You sent my complaint to the Credit Bureau asking for VALIDATION. CONVERGENT  BOUGHT THE DEBT AND sent me a letter saying that they " verified '' the debt on XXXX XXXX XXXX I then called XXXX again. I initially called in XX/XX/XXXX and obtained Reference # XXXX ; I called again XX/XX/XXXX, reference # XXXX ; and XXXX XXXX XXXX reference # XXXX. Each time XXXX said I DO NOT OWE THE DEBT AS THE DEVICE WAS RETURNED DURING TRIAL PERIOD. I filed the complaint with you. CONVERGENT RESPONDED BUT did not VALIDATE THE DEBT. I sent them a letter which I will attach. I will also attach their response. I have been denied credit because of fraudulent reporting of this debt. They have violated my rights AGAIN. I WILL ALSO REPORT THEM TO FTC. XXXX should immediately remove this from my credit report, and Convergent should destroy this debt and not sell it to someone else. IT WAS ALREADY REPORTED TO YOU AND THIS WAS THEIR RESPONSE, JUST TO SEND AN OLD BILL WITHOUT VALIDATION. I HAVE THE RECORDED CONVERSATION OF ME AND XXXX FROM XX/XX/XXXX, BUT THERE IS NOT A WAY TO UPLOAD IT TO YOU. I WILL KEEP IT FOR COURT IF I HAVE TO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DPTEDXXXX XXXX {$300.00} XXXX XXXX {$53.00} XXXX  XXXX {$80.00} XXXX  XXXX {$4500.00} XXXX XXXX {$6700.00}
Product: Credit card or prepaid card

I reached out to Citibank XXXX XXXX XXXX XXXX for a Covid Forbearance. I was denied when i asked for more information they refused to provide me with the information as to why i was declined. 

I am still unemployed so i tried again and was declined. I asked for additional information and none was provided. I continued to request that my concern be escalated. It took at least ( 6 ) phone calls to get someone to take me seriously. 

I never got a call from the escalation team. Three weeks later i got an email. They stated it was an internal issue as to why I was denied twice. I have paid my account on time and tried to keep up with my credit card debt. They offered me XXXX XXXX XXXX miles. That is not enough to buy a ticket one way. 

I am unemployed over 6 months and the offer miles, I did not get the opportunity that other customers in my position received. Citibank did not even care enough about me and what is going on in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As part of my separation agreement/settlement in XX/XX/2017, my ex wife became the owner and responsible of a XXXX XXXX debt, finance, insurance etc. and was supposed to go to XXXX  XXXX XXXX in XXXX, NC and change the vehicle loan under my name to her name or pay the difference on the auto loan. 

I came to find out this year that she purposely did not refinance the loan to her name and fail to pay numerous times since 2017 as a way to affect my credit that back then was XXXX points, the highest the XXXX XXXX dealership salesman has ever seen. 
as of today is in the XXXX 's! on Experian. I am abolished by this. 

This is not the only time she has taken advantage of my name and Veteran status as she forged my signature endorsing herself my VA XXXX checks after the separation. 

PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting validation of debt to include a contract signed by me and proof that the debt is in fact mine and that this company is permitted by law to collect this debt. The only items sent to me by this creditor is an account summary report with the original creditor being a company I DO NOT recognize.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX XXXX XXXX has showed up on my report with incorrect information. Also, I do not know this XXXX XXXX  or why they are on my credit report in the first place. I did not put any or request any loans with XXXX XXXX. This is a fraud and violation of my credit reporting. This needs to be removed immediately. My loan is with XXXX and did not agree to moving my loan to no one else. 

Several Account # XXXX