23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I discovered that a collection account was posted by Southwest Credit Systems ( SCS ) to my XXXX, XXXX, and XXXX consumer credit reports. The reports indicated that the amount owed was {$140.00}, and that the original creditor is XXXX. To date, I have yet to receive a letter from SCS regarding this collection account. However, based on the information provided by SCS to the three credit bureaus, this debt is not mine. Together, the credit reports indicated that the last payment made to the XXXX account was XX/XX/XXXX ; that the date of first delinquency was XX/XX/XXXX ; that there was an account review inquiry to XXXX by XXXX on XX/XX/XXXX ; and that the collection account was opened on XX/XX/XXXX ( see attached supporting documentation Enclosures 4, 5, and 6 ). While I previously had an account with XXXX, that account was closed in XXXX of XXXX. That account was also in good standing at the time of closure. All fees had been paid as the account was set on credit card autopay, including a close-out payment of {$18.00} on XX/XX/XXXX, and all equipment returned ( see attached supporting documentation Enclosures 1, 2, and 3 ). Since closing my XXXX account in XXXX, I have not opened another account with XXXX, and am not the person who made the XX/XX/XXXX payment to the XXXX account in collection. 

I am submitting this complaint directly to CFPB to address potential violations of the Fair Credit Reporting Act, and am refraining from submitting any communication to the collector ( Southwest Credit Systems ) independently out of concerns for my privacy. 

As a XXXX  supporting the COVID-19 response, this matter is distracting my attention and time from serving Oregonians. I would, therefore, greatly appreciate the CFPBs assistance in resolving this matter expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX erroneously reported to the credit bureaus that I was late on a payment on an account that had been paid off in XXXX. According to Equifax XXXX as of XXXX of this year is still reporting the account. The account was opened in XXXX. Equifax refuses to remove the account from my report and still reports an incorrect status that the account is in collections. I have disputed this account numerous time to no avail. I do believe this error by XXXX and Equifax caused me to receive a higher interest rate when I closed on my home loan in XXXX and continues to affect my credit score. Equifax failed and continues to fail to follow the Fair Credit Reporting Act. They are the only credit bureau to update my credit report to reflect current payments on accounts. They also tend to drop my credit score a few points after I make a complaint and file a dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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

I disputed a collection on my Equifax credit report over 60 days ago, and for Equifax to provide a Reasonable Investigation and Account-Level Documentation for debt collector XXXX XXXX XXXX XXXX XXXX allege debt of {$300.00}. In addition to my dispute I requested Equifax to provide original purchase contract and verify the following on the original purchase contract : Name, Address, Phone Number, Date of Birth, and Signature. Equifax did not provide original purchase contract or Validation of Debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA that Im legally obligated to pay this allege debt. Equifax failed to uphold 15 U.S. Code 1681s-2 and fraudulently stated this debt meets FCRA requirements. Equifax willfully and knowingly executed non-compliance as per FDCPA 807. False or misleading representations 15 USC 1962e.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX andXX/XX/XXXX, I filed a dispute with the Three major credit bureaus Experian, XXXX and XXXX about the unverified account That are being deported inaccurately on my credit report. In those 2 months, I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. 
Thank you!
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

First, I would like all to know that I put down {$60000.00} cash on this home. 
It has lots of equity in it. 
There would always seem to be a problem getting my payment posted to the mortgage company. I would get multiple statements in a month. Sometimes 2 a week.I tried auto pay to the mortgage co. and would find out later that the payment wasn't posted but I show it being sent from my account. I would get an amount send it in again and still my statements were saying I was late. 
The mortgage co. locked me out of my account so I could not track any of my payments. 
It became routine that I would call to pay so I would have the amount at the time. I would pay by phone and pay a fee to do so. 
I paid via XXXX XXXX to get the payment there. I would call and check on my account and they would say I'm ok. Then I would call and they would say I'm late- I would get different amounts from different people on the same day. I tried everything to get current. Being locked out of my account was very unnerving. 
Next thing I know they send me a modification packet that I didn't ask for. I was told by family members not to sign it because we didn't know why I got it. As time goes on I had financial problems ( pay reduction ) The mortgage co. said I could send in the modification paper work even though it was late. 
I sent it in and they denied it. 
I call and they tell me one thing then someone else tells me something else. This has been going on for over a year. 
Now I'm in pre foreclosure and when I spoke to them in XXXX they said no you're not in foreclosure you've been paying. 
I got my Mother involved an they told her things and didn't follow through. I was told I could reapply for the modification. I did. Never received any correspondence from them they do not return emails or followup on anything. I called today to check on my mod. they said they needed a 4506T which was sent to them via my HUD counselor on XX/XX/XXXX. They said they don't have it and they need additional info. If I didn't call them I would have no idea! I am expected to pay their attorney {$740000.00} by Friday to reinstate. I wanted to see if my modification was accepted or denied before my family and I pay the money to the attorney. Since they have been sitting on my modification for since XX/XX/XXXX with no acknowledgement I am in a dire situation. 
I should have reported them sooner but they always made it seem like it would be ok. 
As a note : I am not saying I don't have any responsibility in this situation. I may have been late on some payments but I would always call to get the current situation. No access to my account is me taking there word for everything and I am left at their mercy. I have a journal of all the times I've called, people 's names and ID number etc. 
In total- No one there can give me the same answer to the same question. Complete runaround. I would have had this resolved if this company was professional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit dispute relating to a XXXX XXXX XXXX Credit Card that was being negatively reported on my credit reports. The credit card was in the name of someone else with me being the co-borrower. The borrower filed Chapter XXXX bankruptcy and included this debt in the bankruptcy. The credit card has been reported late and now has been reported as a charge off. After the first dispute in XX/XX/2019 ; the information was not corrected so to avoid ruining my credit I called XXXX XXXX XXXX and asked to pay off the card. They refused to accept any payment as the account was flagged chapter XXXX bankruptcy. I have tried disputing the information again and the bureaus will not accept another dispute.
Product: Payday loan, title loan, or personal loan

I have received an invitation in the mail from Marcus by Goldman Sachs to apply for a personal loan in last quarter of XXXX. They declined my application. Although I was surprised ( my credit score is pretty good ), but I assumed that they have their specific risk criteria and I let it slide without objection. However, I have received an email from them on XX/XX/XXXX that I am eligible to reapply and basically makes you believe that this time I eligible and just need to review my loan options and that reviewing my loan options won't hurt my credit. ( email attached ). However, when I checked my " loan options '', the declined my application again and said that my credit score can change. ( also attached ).
Product: Debt collection

15USC 1692 CC The debt collector ( Genesis Finance # XXXX ) was notified according to 15USC 1692 CC but they are still communicating information to my consumer report Genesis Finance XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Phone Number ( XXXX ) XXXX Re : Account # XXXX
Product: Credit reporting or other personal consumer reports

I specifically told XXXX XXXX that I was pre approved and do not run my credit. The employee then ( unbeknownst to me ) at the time, proceeded to anyway.
Product: Checking or savings account

On XX/XX/2023 I had two XXXX transactions on my chase account to XXXX {$250.00} and XXXX {$200.00} which I did not recognize. I called chase on XX/XX/2023 they filed a claim and gave me new log in as well as a temporary credit. Today XX/XX/2023 they reversed my credit and re refusing to fix it. Im short {$450.00} that I dont recognize please help
Product: Credit reporting or other personal consumer reports

Experian has my FTC Identity Theft Report package with the laws and my notarized Affidavit identifying the crime of identity theft by XXXX XXXX cards ending in # XXXX & # XXXX to be DELETED off Experian credit report NOW. See attached.
Product: Checking or savings account

I received a bonus promotion from Citibank and on XX/XX/2023 I funded my savings account in the amount of {$75000.00}. Prior to funding my account I called to ask whether the money had to go into checking or savings and were told that it did not matter. Hence, money was sent to the savings account. I was advised that the money had to stay in the account for at least 60 days but could be taken out after that. I was further told that I had to keep {$1500.00} in that account to avoid getting charged a monthly maintenance fee and to prevent my account from being closed. 

I kept receiving messages that my checking account would be closed if no money is deposited into it. I called Citibank on a recorded line and was told I could just let the checking account get closed and that I only had to make sure that my savngs account would remain open to receive the {$1000.00} bonus by XX/XX/2023 ( latest funding date ). 

After continuing to receive messages that my checking account would be closed if no money is deposited into it, I called Citibank again and it was confirmed to me by the service representative that I could allow the checking account to be closed without this affecting my bonus for which I have already qualified. There are recordings from Citibanm of this that can be subpoenad. 

I have patiently waited until XX/XX/2023 to call and find out why I had not yet received the promotional bonus amount. I was told by one representative that this was because my checking account was closed. He was supposed to file an inveatigation but then hung up the phone on me. I followed up my call with another call and another representative assured me that I had met the terms of the agreement and that she would submit an investigation complaint. Today on XX/XX/2023 I called Citibank after having received no news from them regarding the investigation, and I was told that my request was denied because my checking account was closed. I told them to check the recordings of the calls with all of their representatives, since I have been calling ad nauseum with requests to confirm when it was okay to move the money out of savings and whether I needed to keep the checking account open. However, the supervisor told me that a decision was made by the bonus department and they are sorry but this is what it is. 

Please let me know when you need the account information, and other data to identify my account and to help look into this matter.
Product: Credit card

XXXX : I have been under a campaign of domestic abuse, specifically, economical abuse. The Joint Owners of a Checking Account on my profile with Navy Federal Credit Union reflects surveillance, and observation from my parents ( perhaps another middle man/organization ) viewing my private " Credit Card Account ''. 

The XXXX XXXX ( parents ) of my Checking Account reflects they are depositing money precisely and accurately in amounts reflecting the balance, near balance, of my Private Credit Card monthly spendings. 

Background : I investigated this issue with NFCU, on multiple phone calls, and have it recorded. I can not upload to your complaint window because the audio exceeds XXXX mb. NFCU has acknowledged that know one should be able to view, survey, or have access to information pertaining to my XXXX Credit Card Account. They have acknowledged I am the sole/primary user, and there is no history on my profile where I have opted for any other authorized users of my private credit card account. 

I share XXXX XXXX with my parents in only XXXX accounts on my NFCU profile. I have a total of : XXXX Checking Accounts XXXX Savings Account XXXX Credit Card Account The Joint Ownership with my parents is : XXXX of XXXX Checking Accounts XXXX and only Saving Account I have primary ownership of the : XXXX Checking Account XXXX and only Credit Card Account Assessment : My parents are sending deposits which reflect similar or total sums of money based on my Primary Credit Card usage, or when I am in between jobs ( where I am undergoing sabotage, slander, libel, and defamation ). It is economic abuse, a subsection and type of domestic abuse, which reflects narcissistic financial control. 

Recommendation : I want an investigation specifically addressing the following : XXXX. Why there is a history of deposit 's from the XXXX XXXX ( XXXX ) which reflect my personal credit card account balance and usage, evidenced by past and recent ( first week of XXXX ) monthly statements. 

XXXX. Where there is precise/exact/accurate tangible literature of Joint Ownership rules, laws, pertaining to anyway a XXXX XXXXr XXXX access my Private Credit Card information. NFCU, has already acknowledged on record there is none, however, still states Joint Owners are not allowed to see private credit card accounts ( If NFCU is verbalizing it is wrong, I want to know where exactly on their by-laws/underwriting/rules that validates his ( NFCU XXXX - name, date XXXX XXXX on record ) verbal authority is true. ) XXXX. I want the domestic abuse to cease, and to make sure the XXXX XXXX " Voluntarily '' remove themselves from the XXXX Accounts. I have further details on how to address this portion myself. 

XXXX. I want a final and definitive answer on whether or not there is a breech of privacy that is obviously implied, inferred, and assumed after analyzing the self-authenticating evidence of deposits, and deposit history from that XXXX XXXX  Checking Account, reflecting amounts spent on my private credit card history.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Description of Verification Procedure under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Dear TransUnion Consumer Relations & Legal Department, I am writing regarding my recent dispute concerning inaccuracies on my credit report. As per your response to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ), you stated that the item in question has been verified as accurate. However, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a description of the procedure used to verify the accuracy and completeness of the disputed information. 

The details of the dispute are as follows : CFPB Complaint ID : XXXX Complaint Open Date : XX/XX/XXXXXXXX  Complaint Closed Date : XX/XX/XXXXXXXX  Item/Account Disputed : XXXX XXXX XXXX I hereby formally request a detailed explanation of the procedures TransUnion employed to verify the accuracy and completeness of the disputed item. Specifically, I request : 1. A detailed description of all steps taken during the verification process.

2. Documentation of all individuals and entities contacted, including names, roles, and contact information.

3. Copies of any correspondence, including emails, mailings, or call logs, used in the verification process.

4. A summary of the evidence or data that was used to verify the accuracy of the disputed item. 

As required under the FCRA, and in light of the recent lawsuit by the CFPB regarding XXXX conducting Sham investigations, and XXXX being fined by the CFPB for failing to conduct adequate investigations of disputed information in credit reports, I expect this information to be provided promptly. If you fail to comply, I will take further action, which includes seeking additional assistance from the CFPB or other appropriate authorities. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

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

XXXX XXXX has reported to the credit agency that they are the owners of the debt. I have made several attempts to contact XXXX XXXX for proof. I have received calls and notfication via the mail by other companies claiming to be the owner of the debt. XXXX is in direct violation of the FCRA. A debt can only be bought and sold by a limited number of parties. XXXX has not been able to verify in writing that this debt does not exceed the federal limits of debt sales by a third party debt collector. From my records this debt has been bought and sold over 5 times which exceeds the legal limit. The credit agencies failure to verify that XXXX is within the legal limits is just cause for civil litigation. I demand the credit agency verify that XXXX is the legal owner of the debt in writing or remove the item from my file.
Product: Checking or savings account

On XX/XX/year> my fiance sent {$400.00} from her chime account pay anyone feature to my XXXX XXXX  account. Well the money was never deposited into my cash app account but was deposited into a chime account in my name I never opened or was even aware existed until I was notified from chime that I received a {$400.00} deposit from my fiance and was now available in my account. I immediately contacted chime and explained what had happened with this money transfer. They immediately closed m y account and told me I should receive the {$400.00} balance from the closed account in the form of a check and it would be mailed to my address they had on file within 30 days! Well after over a XXXX emails and over XXXX hours on the phone being transferred from XXXX agent to the next, being placed on hold for hours, and even disconnected numerous times.i opened numerous tickets that they answered and informed me the check will be in the mail to only after months of not receiving it was then told my claim was denied without no explanation why I'm not receiving my money with being told I was not entitled to a refund on my {$400.00} that was deposited to me from my fiance! Well long story short I'm approximately XXXX month away from it being XXXX full year that I'm still without my money and no explanation why I'm not entitled to the money or why it couldn't be sent back to my finances account! I work hard for my money and refuse to let them just steal my money like ths!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had several inaccuracies on my account. Please remove this account from my report. It is hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXXXXXX
Product: Debt collection

I am being charged with a debt at this location that doesnt belong to me. There seems to be an eviction or owed amount on my credit report. Ive submitted several disputes and ultimately had to file another police report to start an investigation. This same address is attached to XXXX accounts that were fraudulently opened in my name that i had to get removed from my credit report as well. My personal information was also leaked through XXXX during a breach. This does not belong to me i am not responsible for this account!