23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I trust this email finds you well. I am writing in regards of my previous communications regarding the removal of fraudulent items from my credit report. This marks the several formal attempt to address this matter. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved and continue to negatively impact my financial standing. These unauthorized activities not only undermine my creditworthiness but also erode my confidence in the accuracy of my credit report. 

I urge you to take immediate action to rectify this matter by promptly removing the fraudulent items from my credit report. It is imperative that my credit history accurately reflects my financial behavior and is free from any unauthorized entries. With this, I am asking for your assistance to remove these fraud items in my credit file : DEPT OF EDXXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$370.00} XXXXXXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$760.00} XXXX XXXX Inquiry : XX/XX/XXXX DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} DEPT OF XXXX / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$370.00}.
Product: Credit card

This is a follow up on a previously submitted complaint regarding payment issues, and information changes without consent. After submitting the complaint, I was contacted by Chase Bank just informing me that they had received the complaint and were working on it. No other communication has taken place before, or since. I have since received a letter on the XXXX of XXXX, MANY weeks after sending in a complaint, from Chase Bank stating that I have requested to discontinue communication which I absolutely have not done. 
I truly believe this company is playing mind games with me now - this is the second time they stated they were given permission to change permissions on my account without my knowledge. ( First an address, now stating I have requested to discontinue communication. ) This company will alter your personal information without your consent and knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I contacted XXXX and informed them that I was in quarantine due to COVID and recently moving to Alaska. I paid the amount due as soon as I was able to get to access to the my banking accounts on the internet. XXXX told me they understood and then reported the loan late to Experian 30 days. 

In XXXX of XXXX I actually contracted XXXX and was sick for nearly 90 days. I again contacted XXXX and they stated it would be taken care of ... both XXXX and any result in XXXX or XXXX. Then they reported to XXXX 60 days late in XXXX. To Experian XXXX reported the loan 30 days late in XXXX, conflicting reports. 

I have mailed through the postal system correspondence supporting my claim. However, I have not received a response. I have attempted to email and send correspondence in this format. Their website blocks attachments and when I call them each time the customer service agent tells me I have to mail in my complaint.
Product: Money transfer, virtual currency, or money service

I 've made a wire transfer with the amount of {$35000.00} XXXX from my bank account to a cryptocurrency exchange XXXX and my deposit was not posted on their website or returned to my bank account as promised. I made the transfer on the XXXX of XXXX XXXX. They said it would take XXXX business day on their website for the deposit to be posted. XXXX days later I opened a support ticket on their website since the deposit have n't posted yet, after XXXX  days they email me back with an general reply that my deposit would either be posted in XXXX business days or will be return within XXXX business days to my originated bank account if there is a problem. Since it 's the XXXX of XXXX XXXX, XXXX business days without any reply from them. Please help me out since I ca n't even reach anyone on their support team both by phone or by email. 
Transfer amount : {$35000.00} Wire tracking Number : XXXX My email : XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XX/XX/XXXX
Product: Debt collection

CFPB are you on the consumer side or the big bank side I am writing about the Santanderr Usa response how long is this staying on my credit when XXXX isn't on my credit report it's been add 2017 what another 4 more years, so iam the only in America that has a repo on there credit report so is this a life situation. I thought after 7 years it will be off so I got to go thru another 3 years starting from 2017? That is bull ....
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Late Payments Under 15 U.S.C. 1666 ( b ) I am writing to formally request the removal of late payment information reported on my credit file in accordance with Section 1666 ( b ) of the Fair Credit Billing Act ( 15 U.S.C. 1666b ). I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX XXXX  XXXX ) I believe that the late payment reporting is either inaccurate or was caused by circumstances beyond my control, which are protected under this statute. Specifically, 15 U.S.C. 1666 ( b ) requires that creditors credit payments to accounts on the date they are received and prohibits unfair reporting when payments have been improperly handled. Given these circumstances, I respectfully request that you investigate this matter and remove the inaccurate late payment information from my credit report. This correction would ensure compliance with federal laws and maintain the accuracy of my credit history. Please notify me in writing of the outcome of your investigation. Should you need any further information, please feel free to contact me at XXXX or XXXX Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Product: Debt collection

CitiBank just called me on my cellular telephone from XXXX. I have had many problems in the past with CitiBank calling me after I asked them NOT TO CALL ME, yet they continue to call me. I do not know why they call me after I have asked them not to, but I want the harassment to stop.  Please communicate in writing only do not call me if you are from CitiBank and if you do call me do not record me I am revoking my consent to be recorded.
Product: Credit reporting or other personal consumer reports

I received your response Last ( XX/XX/year> ) that you need my updated email address which is ( XXXX. ) I sent a complaint to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # 's XXXX ; XXXX & XXXX. I am including it again.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance Owed : {$8600.00} XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX Balance Owed : {$84.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$5100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX , SC XXXX.
Product: Debt collection

I am submitting another complaint for the same issue. XXXX XXXX has put another debt collection on my credit report. I never had XXXX XXXX only XXXX. This account was unfortunately made without my consent by a family member. I am very tired of this popping up on my credit report when Ive made it known I did not create this account in my name. Please dispute and block this telecommunications debtor from putting this on my credit report ever again. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,2014, my wife filed a complain wi th Trans Union Credit to remove a company name from her report,   XXXX   XXXX  l, which was not hers and had no knowledge of it. Trans Union instead add a name to her report that is not her name.
Product: Debt collection

I have fallen delinquent on a debt with a company called bright side loans based out of XXXX. I have been embarrassed to reach out to them in regards to the debt because I have fallen behind on my finances. The loan was taken out online via brightsideloans.com. On XX/XX/year> I received a threatening call from an individual by the name of XXXX. His contact info on caller id is XXXX. He states that my credit will be ruined and that hes sending my file over to their attorney and he will garnish all my wages. I have emailed them and asked to work out payment arrangements. I have received other texts also stating that my credit will be ruined and that they will garnish my wages.
Product: Credit reporting or other personal consumer reports

On XXXX of 2023, I first noticed that my credit score was very lower than what I expected. I never had any late payments or outstanding balances. I went to experian.com and saw there are some accounts I have never applied for. I reached out to those companies and informed that these accounts don't belong to me, and I have never applied for these accounts. Some of them informed me to start dispute with credit bureaus, and they gave me their own case number. However, as time goes, XXXX XXXX never replied me back or called me. I started dispute with my credit bureaus, but they came back with result saying it is valid account. I still tried to call them, but XXXX XXXX repeatedly informed me they can not help me because they can not verify me. How do I know what information was used when imposter used to open this account? I have been trying to contact XXXX XXXX, but they never provided me case number, just saying I should contact my credit bureau. HOWEVER, when I did that, my credit bureaus came back and told me that it is valid account. I am not sure what can I do at this point.
Product: Mortgage

I had someone working with me to help pay off the outstanding mortgage and company will not respond at all. We have submitted documents to get a reduced mortgage. My mortgage was sold to Faye servicing from XXXX XXXX XXXX and it seems as if they are delaying the process. I think Faye Servicing is being very elusive. 


All of this happened during the month of XXXX and XXXX.
Product: Bank account or service

# CitizensBank is stealing money from customers. {$2200.00} went missing from my account without any trace of the money. I posted this topic early on XXXX and it has happened to a few people. People are sharing my incident & will be closing their bank accounts. The people from Citizens Bank were very rude, and none helpful. Citizens Bank will be the next XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX and Experian to obtain free annual credit reports in addition I have received the reports from transunion and from Experian but I have not received my XXXX report yet all these bureaus have a hard time verifying my identity when I call them or do the online process because I don't remember all my security questions and everything off the top of my head and so they have a hard time verifying my identity and then they're delaying it by telling me to mail in identity verification and so I do have a security freeze on all three credit reports and also fraud alerts that I put in place but those are the hard balls to me getting around at accessing my credit report and or dealing with day-to-day business with them
Product: Mortgage

mr cooper agreed on a conversation in XXXX to push the amount owed to the end of the morgage and restore regular payment. 
it has been a month and it hasnt even updated to the system. 
called on XX/XX/21 and they are trying to deny the agreement. 
in the last 6 months mr cooper has done a lots of illegal moves, refusing government regulations on forbearance, reporting false info on credit bureau and more.
Product: Mortgage

Freedom Mortgage, who handles our loan failed to make our property taxes on time. The property taxes for our home are due by XX/XX/XXXX. Contact was made to our mortgage company several times as we were concerned our taxes were not paid due to late notices and payment delinquent notices received. As of XX/XX/XXXX after contacting our local tax property tax department, no money has been received and as of this date our taxes are still delinquent. We have until XX/XX/XXXX to pay these taxes and if not paid our home will at a point be sold or advertised to be sold ( this information was told to me by the local authorities for unpaid taxes ). This is a very stressful time as we were under the impression this company was taking care of our property taxes. After contacting Freedom Mortgage about our concern, we were told that the payment was made on XX/XX/XXXX, nearly 2 months late. As of now, no payment has been received and we will be left to pay the balance to avoid any tax lien. 

We do have an escrow account and have it set up for our home owners insurance and property taxes to be paid by the mortgage company. I recently checked my statement and account and it does state that taxes were taken from our escrow account on XX/XX/XXXX. Why were they not taken out of escrow and paid in XXXX of XXXX, when they are due? How long are we supposed to wait for this check to be received? What if it does not get there, or is lost? We are on a time line of days as of now and unfortunately we are left to pay the balance or possible lose our home. Another concern we have is our home owners insurance. Will this be paid on time? Do we have to worry about our taxes not being paid at the end of this year and further years?
Product: Credit reporting or other personal consumer reports

In a previous dispute, the demand stated that the information should not be re-reported within the consumer report. In addition, XXXX XXXXXXXX XXXX  has been issued, received, and acknowledged the cease and desist order. According to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) a consumer report is a medium of communication and thus subject to cease and desist requirements. There should be NO updated information from XXXX XXXXXXXX XXXX about this account within my consumer report whatsoever as it is a violation of consumer law and a violation of the standing cease and desist order. 15 U.S. Code 1681i - Procedure in case of disputed accuracy, Equifax has 15 days to investigate and remove these late payments.
Product: Payday loan, title loan, or personal loan

I received flyer in mail I called about loan. The person told me they couldn't large but could do small loans which ended up being something like payday loan. when paying amount back I only paid interest and the person claims I owe them more than that so I refuse to pay back anything I didn't receive now the person is harassing my job that I listed on application.They are calling my manager and telling them they are responsible for my bill.

My manager stated this is how the phone went : The guy asked for XXXX and I told him that she wasn't working. He then proceeded to ask me ( XXXX ) if I was in human resources for XXXX  XXXX. I said no. He then asked if I authorized this ... I wasn't sure what he was talking about. So I told him that I didnt know what he was talking about. He also asked why my name was on it, authoriting it. I told him that I didnt know, but my name needed to be taken off. He then said that this wasn't going to go away ... insinuating that someone was going to have to pay. After that he asked for a manager, so I sent him to our store manager who got tired of arguing with him so he hung up on him. He called back the next day ( sunday ) and asked for XXXX. I said that she wasn't there and hung up on him.
Product: Credit card

I overpaid my last account balance and now my account shows I am owed a credit of ( - ) {$2600.00}. I called customer service to request a refund of this overpayment on XX/XX/24 but was denied this request. The customer service rep stated that because of a pending dispute, they could not refund me MY money since Synchrony put up the temporary funds until the dispute is resolved. FALSE. Synchrony is using MY money to temporarily credit a disputed case, not the bank 's money as required. And with them dragging their feet on resolving this dispute ( I sent in all the evidence needed yet still no resolution ), I am losing interest on this significant sum on a daily basis.
Product: Checking or savings account

I bought a cell phone from a merchant named XXXX XXXX the product was damaged when I received it. However the bank gave me back the provisional credit and because I missed a date for sending in more information the bank then reversed the credit and has left me in the neg. Which have my bills being paid late and effecting my credit. I have tried everything on this Matter to try and solve but nothing comes of it
Product: Vehicle loan or lease

Starting XX/XX/XXXX, I signed on for a 72-month used car loan with Santander consumer USA. The original principal amount was around {$13000.00}. As of XXXX, with a monthly payment of {$310.00} I have paid just under {$23000.00}. So far Santander has made around 66 % interest on the original amount financed. The problem is that they will not release my title because they say I still owe {$9400.00} approximately! I am appalled and I feel cheated and I feel like this is a crime! I've called them several times to get this resolved and explain that if I paid this amount they will have me 135 % profit from the auto loan. They refused to lower the amount only saying that I didn't understand how simple interest works. Unfair credit practice? And to add insult to injury, my car was repossessed on XX/XX/XXXX while I was 70 miles away from home. Now I have no way to get to work either!
Product: Credit card or prepaid card

The statement stated that I had to pay a certain amount in order to avoid accrued finance charges, which I paid. 
The statement is not clear, because I have three promotional statements, and because I only paid the full amount for what I read, the minimum for the other two accounts were taken from the monies that were allocated for the first promotional statement, leaving it short a few hundred dollars, which as a result, accumulated over {$2700.00} in interest. 
The way the statement is presented is confusing so that consumers get tricked into not paying the full amount. If they look at the account, it clearly shows that the intention was to pay in full and avoid the interest.
Product: Credit reporting or other personal consumer reports

I sent multiple letters to XXXX, XXXX and EXPERIAN. Regarding the inaccuracies on my credit report. The last letter that was sent was XX/XX/2024 with the tracking number XXXX tracking number XXXX, XXXX tracking number XXXX, EXPERIAN tracking number XXXX. I never received any response from any of these bureaus. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting late on EXPERIAN and that is 100 % incorrect this account is always paid on time and was never late. XXXX XXXX XXXX XXXX  is reporting negative on all bureaus, that is also incorrect this account was never late I am always paying on time. XXXX XXXX XXXX reporting as negative on all 3 bureaus, this account is PAID in full and I was never late on this. Under penalty of perjury, I swear this account is false and misleading. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation ; it was reported without valid evidence. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX & XXXX of XXXX, Capital One Bank stated they did not receive a payment from me, with the two credit cards I had with the company and that information is inaccurate, payment has always be made to the company. Late payment ( s ) was reported to the credit bureaus, XXXX shows account was paid as agreed, no negative information was placed on the two accounts that I had with Capital One, under my XXXX credit report so I am requesting this negative information be removed from XXXX and XXXX as well due to inaccurate information being placed on my credit reports. Late payments being reported to XXXX, but not with XXXX and XXXX.
Product: Credit card or prepaid card

I had an authorized use of my credit card. A company I used charged more than the agreed amount that I signed for. I have disputed it twice with the card company and have asked them to provide details of why the dispute was not done correctly and they are unable to provide. I did not authorize the amount charged on my credit card and I am requesting that the CC company send me a signed receipt of the charge as I did not sign for it. This is with TD bank
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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, myXX/XX/XXXX and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPB 's 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

See attached graphics. Everything circled in red that was not me.