23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX stated that on XX/XX/2020 documents were served by XXXX XXXX however they were not. A civil suit was entered and I, the consumer never received hard copies. Per the declaration of service, the declarant stated that he spoke with a subject through an intercom and advised to contact the client. No documentation states that paperwork was received or given to anyone. As a result, the declarant could have been speaking with any residences of the household through an intercom system ( XXXX XXXX ). No documents were left detailing the matter at hand. In addition, I have been paying the debt collector monthly and speaking with numerous representatives and no one provided a formal Stipulation of Settlement. No representative can provide a copy of the settlement detailing my signature. I am seeking clarification and formal adjudication for this unresolved issue.
Product: Credit reporting or other personal consumer reports

My complaint is actually with CFPB. The last few disputes were in regard to Commonwealth Financial Systems who is misrepresenting the date of the debt. They posted the date that they opened the account when purchased from a Broker, not the actual date of service. If you look at other disputes, XXXX XXXX XXXX XXXX XXXXXXXX? ) and XXXX XXXX removed two debts from the same company once the age of the debt reached XXXXXXXX XXXX, as the debts were from a XXXX XXXX XXXX XXXX XXXX 
This debt originated from the same practice, original collection agency was XXXX. Commonwealth is using misleading and inaccurate information, since the date of service was XX/XX/XXXX, not the date they are using, XX/XX/XXXX. I have asked repeatedly for the correct date to be on the report but was refused, and CFPB is allowing them to get away with it.
Product: Checking or savings account

Wells Fargo opened checking account and debit card without authorization
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I was never late on the closed account listed above. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not show proof please delete the late payments off of my credit report. The late payments are invalid reporting. 

The FCRA allows for 30 days for this to be rectified.
Product: Debt collection

I am one month behind on my credit card bill due to changes to income and family sitatuion that were unexpected. I have cummunicated my current situation to the people at Synchrony Bank and it is like they do not care. They are calling my phone XXXX times per day a lot of times right after XXXX and within 2 hours of each other. This is harrassing and starting to affect my concentration at work as they are calling all day. I will pay them once I obtain the money ... told them this as well. My credit used to be XXXX and now has decreased to the XXXX since my hardship. I keep my word but trials come up that you must handle and this is one of them. Please help ... I am sure they are harrassing others as I and I am only one month behind. Next step is considering legal action for emotional reasons. Thanks for this site to vent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian Credit Bureau and opened an investigation into an inaccurate Bankruptcy filing in XX/XX/XXXX and associated incorrect address. The dispute was submitted on XX/XX/XXXX. I explained that this account has been disputed several times, and I requested a thorough investigation. 

Experian replied 2 days later ( XX/XX/XXXX ) and stated that the information was verified and will remain. 

I contacted Experian immediately on XX/XX/XXXX, and they stated a " third party provider '' provided the information. However, they advised that they could not tell me who that third party provider was. 

This is seriously affecting my ability to buy a home for my family, and I need help getting it resolved. 

I am more than happy to provide any additional information that may be required. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I am writing requesting an investigation into the issues surrounding the series of delays and lack of cooperation regarding my appeal for a loan modification with my lender US Bank. I obtained a mortgage in 2009 with downpayment assistance from Tennessee Housing Authority. The property taxes increased XXXX % from what I was told from the closing attorney and title company. As a result of this, the payment increased drastically and I began to struggle making the payments. I sought help via a HUD counseling agency after a representative from US Bank said that I needed to be delinquent in making payments to initially qualify for a loan mod. I stopped making payments and took the advise of US Bank and engaged a housing counselor. After several months of working with the counselor and providing numerous documents as requested, I was told that US Bank could n't approve a loan modification SOLELY because Tennessee Housing Authority was refusing to cooperate due to their presence on the mortgage via the XXXX lien because of the down payment assistance. It has know been over 12 months and no one can tell me why I am being prevented from mortgage assistance that I clearly qualify for based on my sole income being retirement income. I need help and most recently was told over the phoe on XX/XX/XXXX that I no longer qualify because I 'm over 12 months delinquent. First of all, I became delinquent at the advise of US Bank! I believe the position that is being taken is gross negligence and I need immediate help.
Product: Payday loan, title loan, or personal loan

Hello, Complain # XXXX regarding Santander doesn't make the fund avaliable in the XXXX after it was transferred. 

After the bank stopped the pactice now it is back doing the same. 

Thank you
Product: Vehicle loan or lease

XXXX XXXX has requested on several occasions indirectly and directly to XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX that this XXXX kia XXXX already had a dispute in process around XXXX XXXX spoke to this agency that was a debt collection/bank or finance institution in XXXX GA that was a representative XXXX XXXX XXXX XXXX kia of XXXX XXXX Ohio and kia finance in XXXX ga ... XXXX ' XXXX was engine failure, hard to start sometimes, less acceleration, all still under warranty, slow take off, running rough,. windows malfunctioning.so of course it was returned to kia diagnosed that the mechanics found metal shavings within the oil pan. Vehicle returned 18 days later, without my consent or informing me of the options. consumer completely dissatisfied.MR hall held on to the payments because i wasn't receiving the proper feedback as to satisfying the customer first..85 days behind, repossed and illegally and sold with all consumers property still within the vehicle... this was a consumer credit transaction and under the magnunson-moss warranty act, XXXX act 'and backed by the cfpb ccpa, i consumer hall, XXXX am demanding my down payment of XXXX $ and all violations that has truly been a horrible experience.Consumer is also demanding the return of my insurance.premium that is due to consumer..
Product: Credit card or prepaid card

I was in constant contact with XXXX XXXX and requested they advise all financial institutions we were in dispute and they neglected and refused to do so! This has resulted in delinquent status and late fees and payments on two of my accounts and a third now insisting I pay interest although the account has NEVER been utilized and I never authorized the opening of it. At the time I didnt know I could dispute the account entirely and was mislead since it was already open in my name and on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I purchased tickets to a XXXX XXXX concert from a user on XXXX ( username is @ XXXX ). They initially sent me a screenshot of official tickets/seating chart but not the actual tickets. After conversing, we agreed on me sending an initial {$50.00} deposit to secure the tickets and then send the remaining {$490.00}, since the 2 tickets came to {$540.00} in total. This XXXX user ( who went by XXXX but was listed on XXXX as XXXX XXXX XXXX, continuously asked me to send proof of instant payment however she would not send the tickets to me. She made every excuse, including creating a fake letter from XXXX saying that the only way tickets can be distributed to me is if I sent another {$200.00}, which is completely false since ticket transfers are free. I then realized I was scammed. Once I told the XXXX user that my bank will be getting involved and for her to at least send my money back, she then blocked me on XXXX and essentially took my money. 
On XX/XX/XXXX, I went to my local TD bank branch and opened a dispute case regarding the scam. I also filed a police report on XX/XX/XXXX. Because the bank denied my dispute request, I refiled my claim on XX/XX/XXXX and sent the police report. 
Although I voluntarily sent payment to this user via XXXX, I still believe this is fraud due to the misleading information and one-sided transaction. ( I attached the police report as well as our conversation via XXXX direct message )
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, Capital One has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

, my consumer and privacy rights are being violated. Per Federal Law, NO ACCOUNT can be reported to your consumer credit file ( s ) WITHOUT MY WRTTEN INSTRUCTIONS 15 US Code 1681 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : CONGRESS has stated TRANSACTIONS are NOT ALLOWED to be reported in a Consumer report. 

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>
Product: Credit card or prepaid card

XXXX paidoff {$140.00} XXXX purchase {$5.00} XXXX autopay on XXXX balance {$25.00} XXXX XXXX XXXX XXXX They refuse to put funds back in account. Told them they were not authorized to autopay on my XXXX balance. She hung up. I want money back in account. Charge them interest for use of money.
Product: Debt collection

I am requesting documents concerning this collection account. Please provide all copies of documents you hold on file concerning this account according to the FCRA 15 U.S.C 1681. I would like copies of all statements and accounting documents concerning this account. 
Please also provide documents that show that XXXX XXXX XXXX owns the rights to service the debt they have sent to me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report is in limbo since XX/XX/XXXX, unable to capture correct status as of XX/XX/XXXX. Experian has not addressed the issue.
Product: Debt collection

Acima overcharged me for my lease and is saying I own XXXX dollars when the XXXX  was only {$400.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple accounts reported on my credit file due to suspected identity theft. These accounts are not mine, and I believe they were opened fraudulently using my personal information without my consent or authorization. 
The following accounts are being disputed : XXXX. XXXX * Account Number : XXXX * Credit Bureaus : XXXX XXXX XXXX XXXX. XXXX * Account Number : XXXX * Credit Bureau XXXX Equifax XXXX. XXXX * Account Number : XXXX * Credit Bureau : Equifax XXXX XXXX XXXX * Account Number : XXXX * Credit Bureaus : All three bureaus XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX * Credit Bureaus : XXXX XXXX XXXX I have contacted the respective credit bureaus ( XXXX, XXXX XXXX and Equifax XXXX and reported the suspected fraud, but I am seeking your assistance to ensure that these accounts are investigated under the protections afforded to me by U.S. law.

As part of my dispute, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ) ( 15 U.S.C. 1681c-2 ), which require the credit bureaus to promptly investigate any disputed information that is reported on my credit file.

Furthermore, the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) provides specific protections for individuals whose identities have been stolen, ensuring that fraudulent accounts are removed and not held against the victim 's credit.

I have attached a copy of my Identity Theft Report ( FTC report or police report, if available ), as well as supporting documentation that demonstrates my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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: Money transfer, virtual currency, or money service

Someone on XXXX found me and told me about putting my money into Blockchain and getting a return from it. I proceeded to deposit I believe around {$3200.00}. They immediately took the money from the account and deleted all their information. I would like to get my money back. Thank you.
Product: Debt collection

I received a collection on my credit report from Enhanced Recovery Company. They showed an amount of {$640.00} with original creditor XXXX. I closed this account with a {$0.00} balance in XXXX. The date they put on my collection was XX/XX/XXXX. It made my credit score drop 25 points. I called them and asked what this is. They told me that they worked for XXXX and couldnt validate the charges and I would have to call XXXX which I did. I filed a FCC complaint against XXXX only to find out they sold my account and could no longer research or make changes. I asked ERC why they didnt send me anything by mail so I had an opportunity to dispute. They said they didnt have to. They said they attempted to call me but I never received any calls.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act-The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT of ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 r4eport by more than seven years.

15 U.S.C 1681 a-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 or prepaid card

Citi took it upon themselves to lower my credit limit violating 12 CFR 1026.13 ( d ). I mailed Notices and Opportunity to Cure to inform them of the billing error yet they willfully and negligently continued to deny me.

According to 15 USC 1637 it is an open end credit plan and I DEMAND it to be reverted back to that.

They failed to send my dividends from the account and emailed me " bills '' which is mail fraud. I DEMAND they reimburse my credits per 15 USC 1666d ( a-c ) and leave my account open-ended as lawfully intended.

Also, per 15 USC 1666 ( e ) they forfeit any payments and collections.

Therefore, I DEMAND they send my dividends in the form of a check made out to me.
Product: Credit card or prepaid card

CitiBank - CitiCard, Credit Card Division - Citibank closed my account, due to inactivity, last activity was in XX/XX/XXXX a payment of {$1.00}. I have had this account since XX/XX/XXXX. As a result, my FICO credit score, and other credit scores by other reporting agencies have tremendously dropped by at or around 40 points. I requested Citibank reopen the account. CitiBank has informed me that in order to reopen the account, and regain my credit history since XXXX XXXX, CitiCard will have to pull my credit. I have 90 days to decide whether to reopen the account, otherwise credit history is lost. The issues I find here include the following : 1. I was not given notice prior to account closing. Section 7 of Credit Agreement states the following : " Closing or Suspending Your Account. We may close or suspend your Account if any of the events listed above occur, or for any reason, or for no reason. We may do this at any time, without notifying you, as allowed by law. '' Notice should be given to customers prior to closing their account that has been opened for close to a decade. CitiCard representative also stated that you have informed colleagues that notice should be given to customers before account closing. 2. My credit history has been damaged as a result of CitiBank closing my account. I have been personally damaged by my credit history declining as my husband and I have began the homebuying process, initial discussion with real estate representatives and banks. 3. I have been damaged with this inconvenience my time and pice of mind has been damaged. I called CitiBank on XX/XX/XXXX on or about XXXX XXXX PST and was on the phone with a CitiBank representative for close to an hour. My issues have still not been resolved. I am reporting this complaint to resolve my issues by opening the account without pulling my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

as I checked my credit report, I noticed some of inaccuracy with the late payments and this is completely an FCDA false reporting Violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX my wife and myself had brought atimesharefrom XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX aka XXXX XXXX for {$41000.00} with an upfront payment of {$4000.00}. 

We made monthly payments XXXX when we realized that we have been defrauded with high pressure sales pitch along with assurances of higher resale value and the tremendous investment potential with an interest of 16.90 % on principal and over {$1000.00} in maintenance fees a year. 

I tried to reach out to the company, sent letters explaining the fraudulent and misleading assurance by their sales team which included helping me later to sell the timeshare in case I did not want it with profit, but have been unable to elicit any response. When I reached them over phone was told that as per law they need not answer any of my questions in writing all they sent is a print out of my payment history without any letter head. 

Since then we stopped all payments after which it was reported on all credit agencies as Real Estate Mortgage Loan. We sent dispute letters to all 3 credit agencies explaining this fraudulent act and that any items reported by XXXX XXXX, aka XXXX XXXX be expunged from our record. It has been removed from XXXX and XXXX, only in Transunion it is reported as Conventional Real Estate Mortgage Loan delinquent. 

But finally reached a settlement since we wanted this record removed from my credit history as we wanted to purchase our first home. We received assurance XXXX XXXX XXXX the collections agency for XXXX XXXX that my outstanding dues would be removed from my credit history and on XXXX XXXX, XXXX we settled for a settlement fee of {$7200.00} on the outstanding principal of {$36000.00} but once the money was received there was no removal from Transunion. 

Since then I have sent certified mail to Transunion to remove/correct the account asking that the account should not be classified as Conventional Real Estate Mortgage Loan explaining 1.  This is a Resort-based points program timeshare which do not qualify as real estate property since we do not have any ownership in the property under Dodd-Frank Section 1026.43 Minimum Standards for Transactions Secured by a Dwelling this should not be reported as mortgage. 
2. This is not in line with XXXX XXXX ( XXXX ) Conventional Loan guidelines which categorizes all timeshares are installment loans. 

But it has not been removed in several attempts. We would like your help in 1.  Removing/reclassifying this account reported as Real Estate Mortgage from Transunion 2. Why XXXX XXXX XXXX is reporting this as a Real Estate Mortgage Loan only to Transunion which does not comply with reporting requirements under Dodd-Frank and XXXX XXXX. 
3. Why only Transition is reporting this and other credit agencies have removed them 4. Report the sales activities of timeshares by XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX noticed I have some fraudulent accounts appearing on my credit report I have attached a FTC Report below. 


XXXX. XXXX XXXX  {$690.00} XXXX. XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXX {$520.00}