23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have medical Ins and this and my co-payment is XXXX and then people are playing game with my credit and it cost me an apt . any way I filed a bankruptcy in XX/XX/XXXX. I have a bill that was put on my credit in XX/XX/XXXX there is no way that I have a medical be that high ... for a co-payment for XXXX when its only XXXX los t looked back on my credit report and the y put things back on there for a Bankruptcy from XX/XX/XXXX. that not legal. so I am file this with you and if they do n't remove that off my credit I will take them to court for there dirty fraud and harassment. there was a person from this company who called me one day and say if I did n't pay this that they were going to keep calling and get me fired from my job. well my supervisor was sitting there so I gave there the phone and they stop calling and now there calling again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple letters that inlcude my drives license to TransUnion whereas I asked them to kindly correct the information that was false. In doing so, I provided TransUnion with a copy of my drivers license that they indicated was needed for proof to update their credit report and score.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, XXXX XXXX XXXX XXXXXXXX filed a case against me in the XXXX XXXX XXXX XXXX, seeking to recover an alleged debt. However, the case was dismissed without prejudice on XX/XX/2024, because they could not prove I owed the debt. Despite the dismissal, XXXX XXXX  continued to report this invalid debt to the major credit bureaus, negatively impacting my credit report. 

On XX/XX/2024, I sent XXXX XXXX  a debt validation and cease communication letter under the Fair Debt Collection Practices Act ( FDCPA ), formally disputing the debt and requesting validation. I also requested that they stop reporting the debt to the credit bureaus until the matter was validated, as required by law. However, XXXX XXXX has failed to respond to my validation request, and the negative item remains on my credit reports. 

This inaccurate reporting has caused significant harm to my credit score and my ability to obtain credit for both personal and business purposes. I have been denied credit, and the negative mark continues to harm my financial reputation. I am requesting that XXXX XXXX :
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. XXXX  times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my XXXX  well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Debt collection

XX/XX/2021, a recent collection letter from these companies Amount {$4300.00} Attempting to collect a debt accused by Velocity Investments , LLC. 
According to Velocity Investments , LLC ; I owned them money for the amount of {$4300.00}. 
I disputed that letter because I don't owe them anything and I didn't borrow money from them either or never have a credit card from them. After a few months of the disputed letters ; registered and certified. Then Velocity, XXXX, XXXX gave my personal information to XXXX, XXXX PAXXXX And this Law office is now harassing me to collect a debt that Velocity is making things up. 
Their actions will totally destroy my credit background. It affects my mental ability to work because I am feeling stressed out by their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress  you caused me. My information was also affected by the XXXX AND  THE XXXX data breach and may have gotten into the wrong hands.
Product: Credit reporting or other personal consumer reports

Dear Factor Trust XXXX XXXX XXXX XXXX, I am writing to request that my public records be updated to include my current phone number. Accurate and up-to-date information is important to me, and I would be grateful for your assistance with this matter. 

Details for Update : Phone Number : XXXX I have attached the necessary documentation to verify my identity and provide proof of my current phone number. If additional details or verification are needed, please feel free to reach out to me. 

I kindly request that this update be processed as soon as possible. Once completed, I would appreciate receiving confirmation that my records have been updated. 

Thank you for your attention to this request. Should you need to get in touch, I am available by phone at XXXX or by email at XXXX. 

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

On XX/XX/XXXX I went to the teller to withdraw some funds and wasnt able to withdraw the funds. It state it wasnt enough funds to complete the request. I called cash app explained everything to them. I stated that I couldnt withdraw nor could I transfer the funds into my banking account. No one could tell me why. I never receive a notice stating anything about my cash app before or after I reported I could use my card. I have called everyday since XX/XX/XXXX. Today is XX/XX/XXXX and I still have no idea as to why they are holding my funds. I ask for a number to file a complaint with the company no one is willing to give me the number. They stated that they had to file the complaint for me. I ask to speak to a supervisor and they state a supervisor is not available or they just hang up on me. I am out of option and dont know where to turn to get help with this issue. If there was an issue with my cash app they continued to allow me to receive funds in my account. They allowed my account to get up to XXXX. Just yesterday XX/XX/XXXX they denied a deposit of XXXX from XXXX XXXX XXXX stating it being fraud.
Product: Mortgage

I submitted a complaint to CFPB on XX/XX/ regarding the gross miscalculation of my escrow by Citizen 's Bank. The Complaint number is : XXXX. I spoke to XXXX XXXX XXXX  with the Office of the Chairman of Citizen 's Bank on XXXX XXXX XXXX  who contacted me to speak to me about the complaint. She was very receptive and advised that she would be investigating the matter regarding my escrow account. I also told her that I had not yet received the {$11000.00} in surplus escrow that was due to me because of the gross miscalculation and she advised that checks are usually mailed out within 10 business days. On XX/XX/, I received an email notifying me that the {$11000.00} has been applied to my XXXX XXXX XXXX  mortgage payment. I did not authorize this and no one at Citizen 's discussed applying this payment to my mortgage. Because of the gross miscalculation of Citizen 's Bank of the escrow calculation, I have suffered extreme emotional and financial distress. Now this distress is compounded by their application of the {$11000.00} owed to me and unlawfully withheld from me in addition to failing to pay interest on this money. I was anticipating using this money to pay other bills that I am behind on paying due to Citizen 's gross miscalculation of my escrow balance. When I contacted customer service to discuss the reason why the funds due to me were applied to my mortgage payment without my authorization, I was told they could not discuss this matter with me since I have a pending complaint. Their failure to disclose the reason these funds were applied to my mortgage without my authorization and their failure to disburse the funds that have been unlawfully withheld from me appears to be retaliation of me submitting the complaint to the CFPB on XXXX XXXX XXXX 

I submitted a complaint on XXXX XXXX XXXX whereby I described the aforementioned unlawful activity by Citizen 's Bank. The complaint number is XXXX A day after I submitted this complaint, I received an email notifying me that it had been closed because it was considered a " duplicate '' complaint. I was notified by a representative with CFPB that Citizen 's Bank closed complaint number is XXXX 

This is not a duplicate complaint. Instead, it is related to the XX/XX/XXXX complaint. My new complaint is failure to disburse the escrow monies to me. I also contend that this failure is in retaliation of me submitting the XX/XX/XXXX complaint. Citizen 's Bank 's closure of complaint number XXXX  is further evidence of their retaliation of me speaking out about their unlawful activity in failing to reimburse me for surplus escrow. If this complaint is also closed by Citizen 's Bank, this will be further evidence of their retaliation. I will not be silenced or intimidated by this Bank.
Product: Debt collection

On Friday XX/XX/2018 I returned a call from XXXX after they left a message referring to " allegations '' for a debt that was 9 years old and under the amount {$300.00}. During the call while I was trying to receive information about these allegations, the rep, Mr. XXXX XXXX ( or so he called himself ) called me " young lady ''. I asked that he refer to me as " Mrs. XXXX '' moving forward. He continued to move forward as if I hadn't said anything. When he explained the debt to me, I was surprised and informed him I barely recalled it and that I was no longer at the address he had on file. I asked if information could be mailed to me so I could resolve the issue. At this point, he became very irrate, raising his voice, and telling me that I was an adult and should ... .I didn't hear the rest because I told him I found him to be disrespectful and wouldn't be continuing the call. I hung up. He called back from XXXX. I told him that I was willing to work with his company if another rep called me as I found him to be abusive and would report him. I hung up. He called my husband ( who was not my husband at the time of this alleged debt ) and tried to tell him that I was going to be served. My husband was driving at the time and asked if he could be called in five minutes to discuss the issue so he could pull over. The rep became irate again and told my husband he didn't have to call back and that he was doing him a favor, but he wasn't going to help him. Nervous that they had my contact info, I contacted CFPB for advise on how to proceed. Though the CFPB couldn't be 100 % sure, they said it sounded like a scam. I contacted the XXXX to collect more information and spoke with a rep named XXXX XXXX did provide me with the name and location of the company, XXXX XXXX XXXX in XXXX, TX, but then told me " it's above my pay grade '' to provide me with additional information and transferred me to Mr. XXXX again. I told Mr. XXXX I was ready to resolve the issue, but first I needed more information and requested a professional license #. He became irate again and said I was rude and hung up on him so he wasn't going to help me and that he didn't need to provide me with a professional license # because they were a law office not a debt collection agency. He reiterated that he tried to help me, but since I talked and acted like I was smarter than everybody he wasn't going to help me and by the way, I wasn't as smart as I thought I was. He also told me the attorney 's were drawing up the paperwork right now for the county and that I could discuss it with the judge. He also informed me they had recorded me and were sending that to the judge as well to hear how nasty and rude I was. If this is real, the only person who should have concerns is him as I remained appropriate at all times in the discussion and offered opportunities to resolve the matter.
Product: Mortgage

Hi, Please help!!! The HAF program paid my past due balance of XXXX and additional 3 months of advance mortgage payments {$5700.00} totaling {$41000.00} on my behalf on XX/XX/2022 and the funds have yet to be posted to my account. Meanwhile my home is to be foreclosed on XX/XX/2022! Like so many times in the past Ive called just to seek different options to regain my loan, I get tossed around from representative after representatives only to end the call without answers. 

Im hoping with this email someone will help locate and apply the funds so I can regain my home and end these sleepless past six months. 

Like thousands of others, I was impacted by XXXX and could no longer pay mortgage. Caliber home loan offered me a forbearance, being desperate I took it not knowing how it would hurt me. Since XX/XX/2022 Ive been trying to regain my mortgage due to so much misinformation and so much redlining my home went into foreclosure. Despite submitting every request Caliber home loan asked of me ( 2 loss mitigation packages ). 

Ive attached the payment details from HAF detailing what was disbursed. Ive also confirmed with my other hosing expenses utility company confirmed receiving {$190.00} and my water company confirmed receipt of {$110.00}. I find it very suspicious Caliber can not find {$41000.00}. Perhaps someone look in the suspense account and if theres a shortage I will pay it! 

We need to find {$41000.00} and apply asap please.
Product: Debt or credit management

I have contacted each credit bureau as well as the listed company to ask for verification of the signature. I also let the credit bureau and company know that I have been involved in Data breaches and identity theft.
Product: Debt collection

On XX/XX/XXXX, my daughter re-let her room in XXXX XXXX XXXX in exchange for ending the fall XX/XX/XXXX lease. As the lease guarantor ( co-signor ), I facilitated the re-let agreement. The rent for the semester was paid in full at the beginning of each semester to ensure there were no shortfalls. 
XXXX moved her personal belongings out of the unit at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX on XX/XX/XXXX as agreed to by XXXX XXXX, the leasing XXXX at that time. The requirements to begin the re-let agreement were met due to the new tenant signed a lease and the re-let fee was paid. XXXX returned the keys to management and her room was inspected. At that time, we were advised that we had no further financial obligations to XXXX XXXX XXXX. Please see attached form. 
On XX/XX/XXXX, Southern Management Systems XXXX XXXX XXXX XXXX XXXX XXXX reported a derogatory mark on my credit file in the amount of {$730.00}. 
I request that this item is removed from my credit file due to the financial obligations to XXXX XXXX have been fulfilled.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because TransUnion has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to ensure the maximum possible accuracy of my credit report and to conduct a reasonable reinvestigation of disputed information, as required under Section 611 ( 1681i ). 
On XX/XX/XXXX, I received a credit report from TransUnion, reference number # XXXX, which includes an account from XXXX XXXX XXXX XXXX  ). While the account was marked as " updated, '' significant discrepancies remain unresolved. These inaccuracies negatively impact my credit profile and compromise the integrity of my credit report. 
The following discrepancies have been identified : Date Opened : Inconsistent dates. TransUnion reports XX/XX/XXXXXXXX while XXXX and XXXX report XX/XX/XXXXXXXX 
High Credit Amount : Discrepancies in the high credit amount. TransUnion and XXXX report {$2600.00}, while XXXX reports {$2500.00}. 
Credit Limit : Inaccurate credit limit. TransUnion and XXXX report {$2500.00}, while XXXX reports {$0.00}. 
Payment Status : Differences in the " 60 days late '' status reported across the bureaus.

Last Reported Date : Dates do not match. 
Date Last Active : Inconsistent dates. TransUnion reports XXXX while XXXX and XXXX report XX/XX/XXXXXXXX 
Date of Last Payment : Variation in reported dates. TransUnion and XXXX report XXXX while XXXX shows XX/XX/XXXXXXXX 
Despite these discrepancies, TransUnion has failed to : Provide a detailed description of the procedures used to verify this information. 
Identify the name, address, and telephone number of any person or entity contacted regarding this account. 
Present any documentation bearing my signature to validate the reported information. 
Additionally, TransUnion has relied on automated systems, such as e-OSCAR, for verification, which is insufficient for a thorough reinvestigation under the FCRA. I also filed a formal complaint with the Federal Trade Commission ( FTC ) regarding this matter, identified as FTC Report Number XXXX, to further document TransUnions non-compliance. 
Impact of the Issue : These unresolved inaccuracies are damaging my credit score, harming my financial reputation, and causing significant stress and financial hardship. TransUnions negligence has created barriers to accessing financial products on fair terms, undermining my ability to manage my finances effectively.
Product: Bank account or service

I have a Visa from Bank of America I used it to request services from a merchant XXXX. Storage from XXXX to XXXX of {$170.00} per month. in XXXX I scheduled to have the container transported from XXXX to XXXX with a rate of {$1900.00} paid in advance. 
For reasons not provided the transportation was cancelled by XXXX, without notice. I 've tried to communicating with them with no results. 
It has been a nightmare dealing with the Bank and the merchant, seeing charges being made & paid, and not being able to stop them. XXXX response has been " payments need to be made and disputed later '' ( for how long and how much? ) XXXX has been able to receive payments from XXXX up to {$4500.00}. I find myself violated/abused by the Bank and the merchant. The AVERAGE CHARGE to transport a container from XXXX to XXXX is about {$2300.00}. Realizing that is all about business between the BANKS & MERCHANTS with no concern for the consumer. 
A dispute was filed, and the results were just submitted : " the amounts charged are correct '' that was even after XXXX PROVIDED to the BANK the agreement showing a rate of {$2000.00}. 
I provided myself the necessary documents including XXXX 's contract and statements from the Bank of America included with this complaint. 
One of the agents stated that the XXXX website has a glitch, " when a merchant logs-in to an account is agreeing to the charges '' -IT DOES NOT MAKE ANY SENCE-
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit card

I am writing to bring to your immediate attention a serious issue regarding fraudulent accounts that have appeared on my consumer FICO credit report, which I do not recognize. These accounts are the result of identity theft and fraud. 

The details of the fraudulent accounts I have identified are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have noticed other inquiries from : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I demand that the aforementioned fraudulent items be removed from my consumer FICO credit report immediately. Furthermore, I request that all collection activities related to these items cease, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Please inform me of how you plan to address this urgent matter at your earliest convenience. Should you require any further information from my side, do not hesitate to reach out. 

Thank you for your prompt attention to this serious issue.
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 zel numerous times and Reporting discrepancies my financial institution Zelles failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible the cfpb 's findings indicate that zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving usual users vulnerable to scam scams this lack of accountability and transparency is unacceptable and raised a serious concerns about consumer safety
Product: Debt collection

Per what is showing and in dispute on my credit report date-XXXX amount- {$810.00} actions that were taken by you or the company-reported on my credit report, processing dispute, advised me to complete this form to finalize the dispute MIDLAND FUNDING XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX amount- {$590.00} actions that were taken by you or the company-reported on my credit report, processing dispute, advised me to complete this form to finalize the dispute MIDLAND FUNDING XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting

I am trying to access my credit report online, but I am getting an unable to complete your request error. Transunion is denying me access to my account because I religiously check my credit report after a credit denial. I can not get ahold of a real person to fix the problem.
Product: Debt collection

-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX XXXX per violation and clearly they violated my rights.