23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt collector is attempting to collect a debt I don't owe, the insurance company progressive who had insurance with I canceled policy, and want to say I owe them which I don't. Please send me authenticated validation of alledge debt. This is Defamation of character according to 28 usc 4101 ( 1 ) 15 usc 94 6801 CEASE AND DESIST from contacting me in all forms.
Product: Credit card or prepaid card

This is the second dispute pertaining to SYNCB/LOWES they have fraudulently verified late payments, XX/XX/2022 letter sent from Lowes states no delinquent payments but you still report to credit bureau as 30 days late and now 60 days late in one month SYNCB/LOWES has been verifying fraudulent payments, I never made, if such payments were made why has the balance never decreased according to their records on a closed account and fraudulently re-aged a closed account. 
Under 15 U.S. Code 1681n as a result of the failure SYNCB/LOWES owes damages of XXXX dollars per violation. 
These violation were confirmed by SYNCB/LOWES to the credit bureaus, myself and to the CFPB. YOUR verified company response dates are the following dates XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX
Product: Checking or savings account

XXXX stole {$98.00} from my bank account. When I discovered this I contacted XXXX and Citibank. XXXX debited the money on XX/XX/2024. Today is XX/XX/2024. XXXX issued a refund on my account on XX/XX/2024. Citibank has held on to the money for more than XXXX hours. When I called Citibank they were very nasty. The supervisor XXXX from XXXX tried to gaslight me on how Citibank reported the transactions. He tried to tell me that my account was overdrawn by {$120.00} when per the accounting that I am providing via bank transactions that this is not the case. I do not understand why Citibank is not being helpful. They are listing the funds as being pending but they have been pendind for XXXX days. When I do an ach transaction the transaction is instantaneous. But for some reason this refund is not. I am getting upset as I am a XXXX XXXX XXXX XXXX on a fixed income. I feel that Citibank is trying to poverty shame me and not listen to my concerns. They are certainly gaslighting me. I am not less than because Covid. I am not the only person who was affected by the economic impacts of Covid. I may have a job but the time and energy required to resolve this has been too much of a toll. I have been calling Citibank to find out when the funds are going to be released. I am very much against the offshore call centers as I feel people who are economically disadvantaged are not empathetic or sensitive to consumers needs. I for one would love to have a job. Any job.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was forced into a payment arrangement wit pressler & pressler. Upon moving out of state they stopped sending my receipts of payment or a balance of my bill. When I called them they told me they could n't call or mail me my statements anymore and " by the way you missed XXXX payments 4yrs ago ''. I asked for copies of my statement with my balance from that point forward but was denied. I felt I was not being treated legally and wanted my statement before I mad another payment. They told me they would ask and mail me a response. I never got one. They are now trying garnish my wages for 9xs what I was paying before. They once again said they would ask for permission to send me my statement but in the mean time they would only reduce my payment to 5xs what i was paying before. I 'm 17hrs away and cant get to court to defend myself. What do I do?
Product: Checking or savings account

On XX/XX/XXXX of 2021, I experienced a credit card fraud through a hacker who was impersonating one of my close friends using social media ( XXXX specifically ). He asked to send me a little bit of money at first claiming that he was doing something with stocks. Then, he continued to ask me for more and more money saying that I will not be able to receive my money back until I had sent him more money. I sent a total of {$8500.00} using XXXX, XXXX, and XXXX. As soon as I found out from my actual friend ( the one that the hacker had been impersonating ) that it was a fraud, I contacted my bank. They asked me what happened and I gave them my answers and they told me that they would investigate this information. However, later I saw that the case had been resolved with no refunds because I had made the transaction. I re-opened my case with some proof ( screenshots from XXXX  messages of me and the hacker and text messages from my friend saying that he had been hacked ) to show that this case was a fraud to get my money back. A few months later, I got another letter saying the same thing with no additional information. I even went into the bank to talk about this with someone but they simply told me I had to submit documents and proof and wait for them to say something. I lost so much money because of this fraud, and this almost a year 's worth of my college tuition. I don't know why the bank continues to resolve my case ( without any disputes ) even with the all the proofs that I could possibly gather from my interaction with the hacker. I really need this money back and I don't know what else to do at this point after months of waiting and trying to get my money back.
Product: Checking or savings account

My Bank of America card was damaged so I called in to order a new card and was told it would be sent but I never received a card. I called the customer service number to find out what happened and report that I did not receive a new card the reps would not tell me anything or do anything to help me. They refused to provide me with my account number or send me a new card and would not give me any answers at all. There is no reason for this and if there was any suspicious activity or something on my account then I should be told. I can verify any of the required information over the phone and I am being discriminated against and have been provided with any reason. 
This bank has recently been court ordered to not freeze accounts base on automatic fraud filters and I believe that this has happened because I tried to apply online to open a savings account and was told that I must go to a bank in person since I failed to answer one of the credit questions correctly by accident. 
There is no requirement that I must visit a bank to inquire about my already open account and debit card. I have a right to my money know what is going on with my accounts and I should have access my account like everyone else by phone, online etc. They refuse to give me any answers or let me verify me identity by phone.This is illegal practice by this bank. I have been left without any funds and no ability to pay for anything.
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. 

Account Name : 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 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 XXXX XXXXXX/XX/year> 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 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: Mortgage

I became a Client of Nationstar mortgage thru a transfer involuntary because XXXX sold it to them.XXXX XXXX XXXX. I din not refinance with them nor sign any documents.upon applying for a reverse mortgage.IT WAS ADVISED THAT I HAD DONE A REFINANCE WHICH IS FALSE PUTTING A 50 LOAN ON THE PROPERTY .WHEN THE SALE TO NATIONSTAR.I HAD ONLY 10 YEARS LEFT ON THE MORTGAGEWHEN I CALLED NATION STAR TO LOOK AT THESE DOCUMENTS FOR A REINANCE. THEY FAILED TO SEND ME COPIES OF THESE DOCUMENTSAS WELL THAN SENT THE CREDIT BUREAU ERRENOUS INFORMATION REGARDING MY PAYMENT HISTORY TO AVOID ME FRM PROCURING A NEW LENDER ANR OR OBTAINING A REVERSE MORTGAGE. I PURCHASED THE HOME OVER 20 YEARS AGO WITH XXXX .NO LATE PAYMENTS.THEN BE TRANSFERRED TO NATION STAR AND HAVE BEEN FRADULENTLY HAVE ON RECORD A REFINANCE THAT I WAS NOT AWARE OF.IN ADDITION MY XXXX A WEEK Apart and I was left with XXXX XXXX ca.during my XXXX A COUPLE MAI AND HER HUSBAND STATED THEY WERE UNABLE TO OBTAIN FINANCING DUE TO THEIR BEING IMMIGRANTS FROM XXXX XXXX BECAUSE I HAD THE PROPERTY ON XXXX XXXX CA OF WHICH I WAS ALLUDING TO REGARDING XXXX TRANSFER TO NATIONS STAR AND BEING A XXXX. I WOULD ASSIST THE XXXX IN PURCHASING THE XXXX. XXXX CA. 
THEY PAID THE AGREED MORRTGAGE PAYMENT FOR 1 YEAR.I SENT SEVERAL PHONE CALLS AND LETTERS OF WHICH THEY NEVER ANSWERED.I CONTINUED TO PAY THE TAXES FOR SEVERAL YEARS AND THEN AFTER DISCOVERED THEY HAD A RESTURANT ON XXXX OAKLAND. 1000 FEET FROM THE XXXX.AND UNBENOWEST TO ME HAD A REAL STATE LICENSE. XXXX AND NOW IN XXXX CA. AS WELL AS FOR YEARS HAD THE PROPERTY XXXX.XXXX CA XXXX ON XXXX WHEN THEY HAD STOPPED PAYING ME AND LISTED IT AS HAVING PAID ME IN FULL WHICH WAS FRADULENT.I AM A SENIOR HAVING HAD XXXX AND SEVERAL EPISIODES OF PENDING DEATH. ENOUGH IS ENOUGH.I AM ALMOST XXXX YEARS OLD. I NEED THIS FRAUD ON XXXX AND XXXX INVESTIGATED. XXXX.
Product: Credit reporting or other personal consumer reports

This complaint against XXXX is in reference to them failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, XXXX consistently responds within 24 hours, verifying the account as 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. 

The accounts for this complain are below : XXXX XXXX XXXX XXXX XXXX Confirmation # XXXX Individual Account Number : XXXX Amount : {$1300.00} Collection Reported : XX/XX/year> The reason you disputed this item : This is not my collection. 
The results are : VERIFIED AS REPORTED XXXX  XXXX XXXX, XXXX Individual Account Number : XXXX Original Creditor : XXXX XXXXXXXX XXXX Balance as of XX/XX/year> : {$440.00} Collection Reported : XX/XX/year> XXXX XXXX XXXX  XXXX Individual Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance as of XX/XX/year> : {$2400.00} Collection Reported : XX/XX/year> * I did not receive any correspondence for this dispute.
Product: Credit reporting or other personal consumer reports

I am formally submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to request corrections and updates to my personal information as reported in my credit file. Upon reviewing my recent credit report, I have identified inaccuracies in my personal information that require immediate correction.

Under my rights granted by the FCRA, I request that you investigate and make the necessary modifications within 30 days from the receipt of this letter. 

Incorrect Information Requiring Correction : XXXX. Name Correction : My legal name is XXXX XXXX XXXX, but my credit report incorrectly lists it as : XXXX XXXX XXXX XXXX XXXX I request an immediate update to accurately reflect my legal identity. 
XXXX. Address Update : My current residential address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
However, my credit report still reflects outdated and incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since outdated addresses can cause identity verification issues and potential fraud risks, I request that all previous addresses be removed and only my current address be retained. 
Supporting Documentation : To verify the accuracy of the information provided, I am enclosing the following documents : A copy of my drivers license or passport displaying my correct legal name. 
A recent utility bill or bank statement confirming my current address. 
A copy of my phone bill or any other official document verifying my updated contact number. 
Legal Basis and Request for Confirmation : According to FCRA 15 U.S.C. 1681i, Experian is required to investigate and correct any inaccurate information within 30 days of receiving this request. 

Therefore, I formally request written confirmation once the corrections have been made, along with an updated copy of my credit report reflecting these changes. 

If this matter is not resolved within the legally mandated timeframe, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to your written response as soon as possible.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX  XXXX XX/XX/XXXX -- {$380.00} XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$450.00} XXXX  XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX  XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -- {$2500.00} UNAUTHORIZED INQUIRIES 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that my account was turned over to a collection agency and they never once sent me a final bill. They came and picked up all of the equipment and I was told Id receive my final bill. I got a receipt for the equipment picked up by the XXXX representative and theres NO WAY that my bill is {$580.00}! It was less than {$360.00}. I have also attached the contact info of the XXXX representative that came on XX/XX/2019 and picked up the XXXX equipment.
Product: Consumer Loan

I was sold a vehicle XXXX/XXXX/XXXX. A vague description was given to me stating that the vehicle I purchased " is a used vehicle that has had prior structural body repair work, indicting that the vehicle has previously been in an accident ''. I went to trade my vehicle in at another dealership on Saturday XXXX/XXXX/XXXX and they pulled the XXXX which showed that the vehicle had been found to be a Total Loss Vehicle as of XXXX/XXXX/XXXX. I was never given the XXXX, offered to see it & or was anything divulged that this had been a Total Loss Vehicle. I called the dealership, XXXX XXXX XXXX XXXX, after I returned home & was told by a man, XXXX ( who later identified himself as a Partial Owner of the dealership ) that it was " Not a big deal to have a Salvaged title ''. I told him it was a problem as I was never informed of this matter and Never would have purchased the vehicle knowing it had a been deemed a Total Loss/Salvage vehicle. I explained that this is/was fraudulent not to divulge this information prior to the sale of the vehicle. I requested him to pay my loan in full at this point. XXXX asked me to find out what the dealership I was trying to do the " trade in would take from the appraisal prior to looking at the carfax and he would purchase the unit as a trade in from me. I told him I would not do a trade in with his dealership and he needs to pay my loan in full period. I told him I do not even know how " XXXX XXXX '' did the original financing on this loan with a Total Loss/Salvage title. I have since done a refinance on the loan with Capital One and I have sent them an email notifying them what is going on as of XXXX/XXXX/XXXX along with requesting a copy of my title be sent to me also. I am looking for matter to be resolved immediately. I have sent him XXXX emails and with the information he requested from me but have not heard back from him still. When I purchased my this vehicle the dealership was very rushed. After I had been the unit I had to take the unit into XXXX XXXX to have it looked at for the Battery light staying on. I then found out that they never put a battery holder back in the car ( as the vehicle per XXXX had front impact damage, vehicle towed and airbag deployed ) which caused the wire to move and break the censor which would cost over {$1000.00} to fix due to how they have to do it. The car has had a clucking noise coming from the left front side also as it seems to be stemming from the original frame damage it had originally when it was deemed a total loss. I was completely shocked when I found this news out and just want the XXXX XXXX XXXX XXXX to do the proper thing and pay the loan off and they have the car back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit Reporting act XXXX Account # XXXX has violated my rights 15 USC 1681 Section 602 State I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consume reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX IN 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

Hi I have spoken about this matter with XXXX and XXXX XXXX many times with the their agents over the phone. In which all agreed that that there a mistake on their end and promised to fix. However, never got fixed! 
I have proofs form my bank showing the payments has been deducted from my bank account. however, XXXX and XXXX has acted in gross negligence and incompetence to keep track of the payment. Every time I call them to fix the problem phone calls gets to be on average a XXXX hour long phone calls as they transfer me form XXXX representative to an other then hang up and I need to repeat. This added a duress on me. I called many time, where some of the phone end up with them admitting to a mistake on their part and promises they will fix within XXXX  day, but never do. Every time we look at the account it has different balances and payments, where none make mathematical sense, not hte bank can explain the their own accounting. 
I have sent many written request for the bank to fix the balance owned, where even I believe the balance was paid of. 
The bank XXXX and XXXX is commiting fraud at this point with the full knowledge and intent of commit the fraud. 
also, the bank has reported me as I have filed a bankruptcy tot he credit reporting agency in fraud. Where I never filed for such. This has harmed me for years and prevented me form seeking other bank loan to replace their loan. Such attics is part of their fraud scheme. 
In addition, the bank has been charging for a wrong interest on the account, where the bank admitted so. 
The record to prove their misconduct is many, I'll just upload a few. However, the bank is the record keeper and they must provide records. Once investigation start, I'll provide more proof. 
Also, the bank web site does reflect their monthly billing statements. Their monthly billing statements reflect wrong interest rate. The gross incompetency of record keeping is very clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to each of the three credit bureaus ( Experian, XXXX, and XXXX  ) via certified letter my concern that inaccurate information was being reported on my credit report and that I would like it changed. Each bureau has failed to change the information so that it is correctly reflected on my credit report as you will see ( attached credit report ). This inaccurate reporting of information is against the law according to the Fair Credit Reporting Act and should be changed or removed immediately from my credit report. Also, this inaccurate reporting of information is hindering by ability to get the appropriate credit for housing for myself, my wife, and our XXXX children! Further, this lack of accurate reporting is limiting my ability to seek and obtain employment in my chosen field. I hope at the end of your investigation we are able to get these ongoing inaccuracies remediated.
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX of Birth XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.