23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a mortgage with Citi Mortgage on loan number XXXX this went into bankruptcy XX/XX/XXXX to XX/XX/XXXX in the amount of the ongoing payments from the trustee of XXXX only XXXX has been accounted for for Principle of XXXX, Interest XXXX and Escrow of XXXX on taxes only. This total is XXXX the trustee in bankruptsy court chapter XXXX paid Citi Mortgage XXXX there is a balance of XXXX that has not been accounted for on my loan with Citi Mortgage. The Arrearage was paid to Citi Mortgage for XXXX which should have reduced the principal and has not been noted on the account as being paid anywhere. In XXXX there was a payment made to citi mortgage on an old account number XXXX XXXX this was on the principle back in XXXX reduced the balance owing to citi mortgage of XXXX now the balance owing on my mortgage is XXXX there are huge discrepancy 's with Citi Mortgage and need to get the correct balance and these funds put on my loan correctly.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my account with your institution, [ Account Number ]. I have noticed several discrepancies on my credit report and would like to dispute the information being reported by your company. 

Firstly, my account with XXXX XXXX [ Account Number : XXXX ] was reported as having a late payment. However, I have never missed a payment with this institution and this late payment is not accurate. 

Additionally, I have a collection account with XXXX [ Account Number : XXXX ], which I have no knowledge of. I would appreciate it if you could provide me with more information regarding this account. 

Furthermore, I noticed that XXXXXXXX XXXX XXXX [ Account Number : XXXX ] and XXXX XXXX [ Account Number : XXXX ] were both reported as charge off accounts. I had previously worked out payment arrangements with these institutions and was not informed that they would be reporting my accounts as charge offs. 

Moreover, the account with XXXX [ Account Number : XXXX ] was reported as a charge off account as well. However, I had been making payments towards this account and was not informed that it would be reported as a charge off. 

Lastly, I have noticed collection accounts with XXXXXXXX XXXX [ Account Number : XXXX ], XXXX  [ Account Number : XXXX ], and XXXX XXXX [ Account Number : XXXX ]. I have no knowledge of these accounts and would appreciate any information you can provide. 

I would appreciate if you could investigate these discrepancies and make the necessary corrections to my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries and request that they be removed. 

XXXXXXXX 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
Product: Student loan

I had called Key Bank several times to help take care of my loan. I can not afford payments right now of almost {$80.00} a month. I explained to them my current situation several times, that I am working but can not afford to make payments for several months until I get back on my feet. I just graduated and got a job, my husband just went back to school and we have a baby. I explained I would have an opportunity to start tutoring and could afford payments around XX/XX/XXXX or I could pay a smaller amount and they refused to do anything or provide any help in any way. The said I could never refinance my loan or consolidate it, I ca n't get lower payments or a forbearance, or any kind of payment plan. I was told there is nothing they can do for someone who is trying to take care of their bill. They gave me no explanation why except that some other internal department at Key Bank said " no ''.
Product: Debt collection

According to 15 USC 1692J It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 

Transworld has repeatedly violated the law for continuing to report monthly this alleged debt when they are NOT the original creditor. Transworld Systems hasnt been able to provide any proof that they are they original creditor and I have not validated the debt as The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 

This company is in violation of my consumer rights. According to 15USC 1692g Transworld Systems has failed to provide all of the information required in the law below as well. If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Complaint against XXXX, TransUnion, and XXXX for Reporting Multiple Incorrect Name Variations on My Credit Report in Violation of My Religious Rights Dear Sir/Madam, I am writing to file a formal complaint against XXXX, TransUnion, and XXXX for XXXX multiple incorrect name variations on my credit report, which not only creates confusion but also conflicts with my religious beliefs. My legal name is XXXX XXXX XXXX XXXX, as evidenced by both a court order name change and an authenticated birth certificate. However, the credit reporting agencies have been reporting multiple name variations, such as XXXX XXXX XXXX XXXX and others, which is not only inaccurate but also inconsistent with my religious rights creating my soul being shared with multiple people and me not having XXXX. 
These multiple name variations on my credit report have created the appearance of multiple individuals, causing challenges in obtaining credit, as well as other financial and personal hardships. This issue has also caused me emotional distress, as my religious beliefs are an essential aspect of my identity. I have attempted to resolve this issue with each credit reporting agency individually but have not received a satisfactory response or resolution. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information in consumer reports. The incorrect reporting of multiple name variations by XXXX, TransUnion, and XXXX is a violation of the FCRA. Additionally, it is crucial to respect my religious rights, as protected by the First Amendment to the United States Constitution. 
I am seeking the following remedies : 1. The immediate correction of my name on my credit report to reflect my legal name, XXXX XXXX XXXX XXXX, and the removal of all incorrect name variations. 
2. A written confirmation from each credit reporting agency confirming the correction of my name and the removal of incorrect name variations. 
3. An updated copy of my credit report from each credit reporting agency showing the corrected information. 
I have enclosed copies of my court order name change and authenticated birth certificate as proof of my legal name. Please investigate this matter and take the necessary actions to correct the inaccurate information on my credit report while honoring my religious rights. 
I appreciate your prompt attention to this matter. If you require additional information or documentation, please feel free to contact me at [ XXXX ] or [ XXXX ]. 
Sincerely, [ XXXX XXXX XXXX XXXX ( XXXX ) ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX  ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACCOUNT. ACCOUNT CLOSED XX/XX/XXXX AMOUNT XXXX ACTIONS TAKEN BY COMPANY. PUT IT ON MY CREDIT REPORT AS A CHARGE OFF. 

XXXX XXXX ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX THIS NOT MY ACCOUNT. ACCOUNT CLOSED XX/XX/XXXX AMOUNT XXXX ACTIONS TAKEN BY COMPANY PUT IT ON MY CREDIT REPORT AS A CHARGE OFF/ COLLECTION XXXX XXXX ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACCOUNT. ACCOUNT CLOSED XX/XX/XXXX AMOUNT XXXXACTIONS TAKEN BY COMPANY CHARGE OFF/ COLLECTION
Product: Checking or savings account

This is in regard to my recent complaint with Wells Fargo case number : XXXX I received a letter informing me that my claim was denied. The investigation was conducted by XXXX XXXX of Wells Fargo XXXX XXXX XXXX XXXX. The letter stated, " XXXX XXXX XXXX XXXX XXXX conducted our own investigation, and we determined your claim number XXXX for a total of {$1500.00} was correctly declined as we were not able to find any indicators present confirming fraud on the account. '' I did not receive any proof of how they concluded that those were valid transactions by an authorized user. Are there valid proofs that I indeed received the products that I was charged for and that I was the one who made the transactions? I will file a police complaint if Wells Fargo won't be helpful in me getting my hard-earned money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts listed below. Also I have attached tracking # of the letters that I sent to the credit bureaus along with the credit reports showing the inaccuracies. 

According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate, and according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 

Accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have made XXXX separate attempts to remove/correct incorrect information on my Experian credit report. DEPT OF EDXXXX continues to show " Open/Never late. Deferred, payments begin XX/XX/year>. '' However, I have provided proof twice now ( copy of XX/XX/year> Letter from the Dept of Ed ) that the my claim was approved for settlement under the XXXX settlement agreement and this loan was discharged. I was even refunded monies paid toward the loan. The letter from teh Dept of Ed states the delete the credit report tradeline associated with the discharged loans. BOTH times I requested this dispute be handled by Experian ( by phone and letter ) I later received a notice that the dispute is updated, only to review the report and find NOTHING was updated at all. This account should not read " Open '' or " Deferred '' as it is discharged. Please assist.
Product: Checking or savings account

I am a victim of an online scam. Yesterday, Monday XX/XX/XXXX at about XXXX PST I contacted a former school childhood friend of mine via XXXX XXXX XXXX : XXXX ) regarding a post on her XXXX XXXX. It stated, Bitcoin XXXX investment opportunity, contact ( username : XXXX ). So I did. XXXX, I feel that XXXX XXXX 's XXXX account has been hacked and XXXX has scammed me. I have contacted my friend XXXX XXXX through XXXX email and she has not emailed or called me. I transferred via Zelle through XXXX  XXXX XXXX {$2000.00}. And I was promised a profit return of {$20000.00} within three hours. I followed XXXX 's instructions; downloaded XXXX app, created a XXXX  account and also created an account on XXXX. And then made the Zelle transfer of {$2000.00} to XXXX. At XXXX XXXX on XX/XX/2022 I received an email from XXXX stating, " Hello XXXX XXXX now you need to pay for mining fee because we are mining on your behalf to make your profit. Your mining fee is {$5000.00} and it will be added up to your profit. '' I contacted XXXX and told her that this was not disclosed to me in advance and that I was not prepared to transfer {$5000.00} additional. Additionally, Zelle 's 24 hour limit is {$3500.00}. Therefore I negotiated and said that I would transfer {$1500.00} and pay another {$1500.00} the following day, totaling {$3000.00} for the mining fee. Thank god the {$2000.00} ( which was supposed to be invested ), wasn't accepted by the receiving party. This morning Tuesday XX/XX/2022 I cancelled the {$2000.00} payment and it was credited back to my checking account via Zelle, However, the {$1500.00} has been taken by " XXXX, '' XXXX. I demanded that the funds be transferred back to me. And they wouldn't do so. I've contacted Bank XXXX XXXX Fraud Department Zelle Division, the XXXX XXXX Police Department today and am also filing a claim with the FBI. I have 73 screenshots of the process with the dollar amounts, communications, photographs, etc. if needed. Please help me recover this {$1500.00} that was illegally stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report months ago to find fraudulent inaccurate information reporting to my credit that doesnt belong to me. I have been submitted atlas 6-7 months of disputes contacting the credit bureaus in regards to removing the following information listed. I have police report and etc identity theft affidavit supporting my claim and creditors and bureaus still have not removed all items from my credit report as well as inaccurate addresses names and reporting for the accounts listed below : XXXX credit card opened XX/XX/XXXX balance {$8500.00} XXXX XXXX opened XX/XX/XXXX balance {$4400.00} XXXX credit card opened XX/XX/XXXX balance {$1400.00} XXXX credit card opened XX/XX/XXXX balance {$6100.00} XXXX XXXX credit card opened XX/XX/XXXX balance {$3200.00} XXXX  XXXX XXXX credit card opened XX/XX/XXXX balance {$8900.00} XXXX personal loan opened XX/XX/XXXX balance {$24000.00XXXX XXXX XXXX credit card opened XX/XX/XXXX balance {$2700.00} XXXX XXXX  opened XX/XX/XXXX balance {$2200.00} None of this accounts are mines or valid. No authorization and where not opened by me they are fraudulent and I demand that they are blocked or removed from credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, XXXX reports the following inquiries I did not sign off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE ATTACHED COMPLAINT WHICH INCLUDES MY IDENTIFICATION DOCUMENTS AS WELL AS COMPLAINT SUPPORTING DOCUMENTATION.
Product: Debt collection

Conserve [ ( XXXX ) XXXX ] first called my work number [ ( XXXX ) XXXX ] on XX/XX/18 at XXXX. They told me they were collecting a debt, and asked if I could pay it today. I told them I'd be happy to talk to them on my home number ( which I gave them ) when I got home from work. She said she would call during my lunch break. I then told them I did not want to be called at work any longer -- I share one phone line with 4 of my fellow employees, and we need this line for our job. The person I spoke to said she'd add put a note in my file. 

Conserve called me at work the second time on XX/XX/18 at XXXX XXXX. I started by telling the person that I had asked for this number to be removed and that I did not want to be called at work. She said the previous caller must have forgotten to put it in my file. She asked me if I would prefer to talk during my lunch break. She then told me the amount of my debt and that she would soon report it to credit agencies. I told her, again, my personal phone number and asked that she call me there after work. She explained that she only worked until XXXX, so she had to call me at work. She said that someone might work after XXXX on some night ( she didn't know which ), so she would put that information in my file. 

I then asked her to mail me the information on the debt to my home address. She said they had already sent the information and that they would not do so again. I asked if she could email the information and she said it was illegal. Then she said she would call at lunch ( again ) and I  told her not to. I told her that I had already asked for my work number to be removed from their list and I'd be happy to talk to them on my personal number after work. She, again, told me that my credit would be damaged. She asked me if I acknowledged the debt and if I knew what it was. I told her that I did not, and I let her know that I did not want any more calls at work. 

Conserve called me the third time, this morning ( XX/XX/18 ) at XXXX. I immediately told the caller that I had asked for my work number to be removed from their list. She indicated that the previous callers must have forgotten to indicate that in my file. I asked, again, for them to call me after work on my personal number. She told me that they had just tried to call my personal number ( while I'm at work ) and didn't get an answer, so they called my work number again. I asked if she could assure me that I wouldn't get any more calls at work, and she said 'it should work. '
Product: Credit card or prepaid card

I use Square to process credit card transactions. They processed a credit card transaction for {$15000.00} on or about XX/XX/XXXX. They first froze the transaction because it was large. We sent documentation to them initially and they released the transaction. The customer filed a complaint with XXXX bank and sent it to Square. Square then reversed the payment on or about XX/XX/XXXX. The customer then informed their credit card company XXXX XXXX  that the dispute was dismissed by him. XXXX sent a letter and transmission to Square on XX/XX/XXXX that the dispute was lifted. XXXX sent the money back to Square. Square has been holding our money since that time. We have tried multiple times to get a hold of Square with no luck. They have no number to call. If you call their main number, it goes around in an endless voice prompt system. You can never get a person on the phone. I have tried emailed them several times with no response. I have also sent a demand letter to their corporate office in XXXX XXXX with the release letter from XXXX. I have had no response. I have reviewed the complaints about Square which seem to be the same experience I have had. They have no way to get in touch with customer service. They will not return your inquiries. 

I believe they are doing this to hold money and earn the interest on their customer 's money. I have attached the XXXX letter that I also provided to Square.
Product: Debt collection

Convergent Outsourcing has not complied with my request for a debt validation letter. I have called them now going over a month and still no one from Convergent is able to provide any answers. I have sent a certified return receipt letter to them and it shows someone from convergent signed for it. I am requesting that this debt be immediately removed from all credit bureaus that deal directly with my credit report.
Product: Credit reporting or other personal consumer reports

Litigation in process act immediately you are in violation. 


LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 
FOR MONTHS, I have been going back and forth trying to solve this problem for some time with your credit reporting agency and the corporations and debt collectors you authorized to put fraudulent, inaccurate, and unauthorized items on my credit report without my written instruction or permissible purpose. The importance of this issue is you continued to report items as well despite the items not being 100 % accurate under 15 US Code 1681e ( b ). YOU MUST UNDERSTAND THAT THIS IS NOT A MISREPRESENTATION OR HAVE BEEN SENT IN ERROR. THIS IS INDEED FROM ME AND I AM FULLY AWARE AND CAPABLE OF WHAT I AM DOING. PLEASE DO NOT UNDERESTIMATE ME, AND INSULT THE XXXX THAT I HAVE SPENT MY WHOLE LIFE ESTABLISHING. 
I am THE LITIGOUS CONSUMER WHICH MEANS I AM unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. THIS IS MY OFFICIAL NOTICE TO YOU AND LAST WARNING BEFORE FEDERAL COURTS ARE INFORMED.