23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been provided in trying to settle this account, Account # XXXX - Reference # XXXX - Settlement Amount XXXX. 

I have been in talks with XXXX XXXX XXXX  since XX/XX/2018 and to date my credit report has not been updated correctly to reflect the corrects status on my account. 

XX/XX/2018 - I agreed to the terms of the settlement XXXX offered and I paid the account in the amount of XXXX. I was assured by XXXX XXXX that my credit report would be updated as a settled account with a zero balance within 30 business days. 

XX/XX/2018 - I received a letter stating the account was paid in full from XXXX XXXX. 

XX/XX/2018 I was contacted by a XXXX XXXX from XXXX XXXX XXXX XXXX who was seeking a settlement for the Conns account I had just settled on. I explained I paid the settlement offer through XXXX. Mr. XXXX asked that I send my documentation to him at the XXXX. I did this on the very same day and I have attached the emails as proof. 

XX/XX/2018 I contacted Conns and I spoke with XXXX I explained my situation and she gave me an email address for a  XXXX. She suggested I send her all of my documentation and that XXXX would recall the account back from XXXX and then they could update my credit report. She stated Conns received the funds and proof of my payment from XXXX on XX/XX/2018 and that all that was needed was the account be recalled back to Conns. 

XX/XX/2018 I contacted Conns and they said I needed to call XXXX because they claimed they had no information on this issue. I contacted XXXX   and I spoke with a supervisor and they assured me they had already returned the account back to Conns since they had nothing to collect and I would need to speak with Conns. 
XX/XX/2018 I called Conns again and explained my situation and they stated I should contact XXXX XXXX because she had all of my information. I also told Conns that XXXX assured me they had returned the account to Conns.  I was told Ms. XXXX would call me back and she never called. 

XX/XX/2018 I followed up with Ms. XXXX XXXX via email to which I received no response. 

XX/XX/2018 I called Conns again with my loan officer as a three way call in hopes that having a third party would assist in getting this resolved. My loan officer asked several questions and recorded the call and we were assured this would all be resolved within 72 hours. 

XX/XX/2018 I called Conns again with loan officer as a three way call and we were told this would be resolved within 24 hours. 

I have been dealing with this issue since XX/XX/2018. I would like my credit report updated to reflect this account as settled and has a XXXX balance. I have paid the account per your settlement terms and I have been more than patient while I have been getting the run around from your office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user on the attached XXXX XXXX XXXXXXXX credit card - I want this to accurately report to my credit report. 

Attached to this complaint are : - My drivers License - My social security card - My address - My XXXXXXXX XXXX  XXXX credit card that needs to report accurately
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO MY NAME IS XXXX XXXX XXXX XXXX XXXX, I AM MAKING THIS COMPLAINT BECAUSE IN MY CHEX SISTEM REPORT IT APPEARS THAT I HAD A CHECKING AND SAVINGS ACCOUNT WITH MULTIPLE BANKS. BUT I DON'T RECOGNIZE THOSE ACCOUNTS OR THE BANKS, SOMEONE ELSE STOLE MY ID AND PERSONAL INFORMATION TO OPEN ACCOUNTS FRAUDULENTLY, I MADE AN IDENTITY THEFT REPORT TO SEND IT TO YOU AS PROOF THAT I AM A VICTIM OF IDENTITY THEFT PLEASE DELETE THESE ACCOUNTS OF MY REPORT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I NEVER HAD AN ACCOUNT WITH THESE BANKS..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

To whom it may concern, XXXX XXXX XXXX XXXX XXXX purchased my second mortgage as I understand it in XX/XX/XXXX. Statebridge is the servicing company assigned to the loan. 

After almost no contact from Statebridge I hired legal counsel as of XXXX XXXX to assist me in the modification/communication process. Statebridge requested my " wet '' signature on the letter of representation which was provided to them in a timely fashion. Both myself and my attorney have faced a complete lack of response to our many attempts in contacting/communicating with Statebridge since XX/XX/XXXX. My attorney has agreed to and will provide his log of attempted contact with Statebridge. My attorney advised me last week to seek another avenue that is more cost effective rather than continuing to pay his hourly rate as Statebridge refuses to contact him/office. To date we are at 5.5 hours of attempted communication from his office. Both via email and phone. 

Areas of concern : Complete lack of communication/refusal to communicate Payments being processed but not applied to the loan ( I have statements from Statebridge reflecting this ) and can provide bank statements showing funds debited from my account. 

Statebridge issuing a NOI ( Notice of intent ) regardless of payments made to and processed by Statebridge. 

The state of the Assignment of Mortgage. As I understand, it is not in legal form. Please see attached document. 

Refusal to answer direct questions. 

Refusal to accept/process payments. 

Please see attached doc " Statebridge email '' Please see link below for XXXX  : XXXX : XXXX Please see CURRENT ALERTS FOR THIS BUSINESS in link. 

To be quite honest I am completely baffled as to how this company is allowed to continue conducting business. Truthfully I am at a complete loss as what to do at this point. 

I have or can gather any documentation you would like to view. I have a few recorded phone calls of payments being made. Also the call where I was told they could not accept payment in that department and there was no one available to speak to me and someone would call me back ( with no return call ). 

I need help! 

Thank you for you time. 

XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act. The list of accounts below has violated my federally-protected consumer rights to privacy and confidentiality under 15 USC 1681 and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, and 164. 
XXXX XXXX XXXX, ( Reported to XXXX ) XXXX XXXX XXXX XXXX ( Reported to XXXX & XXXX ) XXXX XXXX, ( Reported to XXXX & XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Reported to XXXX ) XXXX XXXX XXXX XXXX these items have violated my rights.

In 15 U.S.C 1681, section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this XXXX XXXX
Product: Debt collection

Upon reviewing my recent credit report, I noticed multiple accounts that appear to have been added without my consent and are incorrect.
Product: Debt collection

I have been making payments to them they have called me 4 times within 6 hours 1 : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX XXXX : XXXX XXXX  XXXX I am going to write them a letter and ask them to quit contacting me
Product: Payday loan, title loan, personal loan, or advance loan

I was approved for a loan for {$220.00} on the XXXX of XXXX. The funds were supposed to be sent between the XXXX and XXXX, and I was told that they were deposited on the XXXX. It is the XXXX and I have not received the funds. It is no where to be found in my bank account, and my bank checked for me and they couldn't find the funds on hold or anywhere else. The loan company insists that I received the funds. I reached out to my bank ( XXXX ) to help me and they will be investigating. They asked me for the trace number, which I did not have, so when I called the loan company ( Upstart ) again I asked for it. They refused to provide it to me which seemed off. They are saying that my bank has to contact them first, but the bank was asking for the trace number to find the transaction in order to investigate. I was able to give them the loan number at least but this entire experience is off putting and frustrating. They are still going to charge me payments even though I never received funds. I have screenshots of messages with my bank where they tell me they can't find anything.
Product: Credit card

Bank of America sent me a new credit card with the reason that they stated was to protect my security. I had automatic payments set up with their bill pay site. I got a letter from them saying I missed a payment. I called them and said I was on auto pay. I was told I never set up a new bill pay with new credit card number, IXXXXwas never told to do that and their was statement with my new card stating I should do that. They charged me a XXXX dollar fee. Then today I got a letter in the mail saying they reduced my credit card limit because of missed payment.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times, my banking institution told me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers but also allowed repeat offenders to exploit the system.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I received a billing from ALLY bank after I turned the vehicle in in a purchase of a new vehicle. The charge was for a windshield crack and an interior piece that had a crack in it. The windshield was waived reluctantly on their part when I challenged it based upon the actual cost to replace it and not being given time to report it to my insurance for a comprehensive claim. In this case it was wrongly charged and taken back. Nothing to get from that except them realizing they had been wrong. On the interior piece they stood on this for {$100.00}. There was a very confrontational communication between me and one of their representatives leaving me with bitterness towards their practices. There was a statement something like and issue will be made of this by the representative. I have come to find that given they record interactions " for training '' this one was not found. I come to find that ALLY chose to charge it off and report it to my credit report as such. Recently I was advised that the destruction done to me through this action was severe, vindictive and an egregious act. I contacted a representative as high as I could get to find that they remain against the customer and over {$100.00} they are able to ruin a person forever. I will broadcast this situation every chance and in every location I can. I know they don't care yet maybe just maybe a consumer thinking about using their services will think twice about going through with it. The situation is just plain wring and I can hope that the company and its practices are found out and dealt with accordingly. You can always hope there would be a penalty for taking advantage of the consumer. ALLY Bank account number XXXX
Product: Credit reporting or other personal consumer reports

Letters to Equifax Dated, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, each with canned responses and no acknowledgment of the data breach bringing all of the accounts in question into question on accuracy.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : # XXXX, : XXXX # XXXX, XXXX # XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

I sent documentation and letter stating the amount owed on this account and was told I was owed {$76.00} for Acct # XXXX. 

I sent a letter on XX/XX/2021 and XX/XX/2021 to this debt collector request a dispute and documentation that I have signed to prove that i owe this debt. They stated that they had proof that i signed the documentation but never provided with a sign documentation that i owed that debt. 

I requested proof of the authenticity of this account. They stated that they were debt collector and had proof. In addition, I sent a HIPPA letter and stated numerous times for proof of debt from the original debt collector.
Product: Prepaid card

Woke up in the morning to go get XXXX upon paying for XXXX I noticed there was {$3000.00} missing from my account. Since there is no customer service number, I chatted with vertual online person. Explained to the chat that the transaction was not done by me. I explained it was a bogus transaction that I did not make. The chat told me to wait until they investigate the matter. A little while later they came back on to chat and told me they found it to be a legit transaction.
Product: Vehicle loan or lease

XX/XX/scrub>XX/XX/2024 I applied for a vehicle financing to BANK OF AMERICA and was denied and credit effected upon inquiry shortly after was given a fraudulent adverse action letter ( I uploaded ) with misrepresentation and discriminate language from BANK OF AMERICA XXXX XXXX XXXX XXXX FLORIDA To obtain Vehicle financing I do have capacity to contract credit as well for my principal affairs which this credit ( vehicle financing ) is indeed for according to the federal reserve act section 16 my application is the collateral for the amount applied for and due to the principle. With knowing my contractual obligations they considered my application and did not provide value, I believe it was a unilateral contract benefitting BANK OF AMERICA and no value has been given whilst they still obtain my property my application and my collateral social security number also my intellectual property so I called to retract my application they said theyll look into URGENTLY and insisted that this transaction is based on a consumer report obtained from ( XXXX ) without my permission invasion of my privacy without my consent has truly damaged my principal and right to credit.
Product: Credit card or prepaid card

Synchrony Bank continues to offer be predatory, I pay on time every month and they continue to charge me a XXXX late fee. Won't answer phone, and can't rectify.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

cashapp closed my account on the XXXX and they will not tell me how i violated terms of service because i absolutely did not.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX XXXX XXXX I opened a Citigold account using a promotion code XXXX to get XXXX XXXX XXXX XXXX points after fulfilling certain requirements ( {$1000.00} in debit card transactions and a bill payment for at least XXXX consecutive months ). In XXXX XXXX I confirmed with Citibank representative that the promotion code XXXX is attached to my account and what are the requirements for me to get the bonus points ( attached 'Citibank XXXX offer confirmation.pdf ' file ). In XXXX XXXX I confirmed with Citibank representative that I have met all the requirements and that points will be credited to my XXXX account 90 days from the end of the XXXX XXXX statement ( attached 'Citibank XXXX Requirements met.pdf ' file ). I was actively using the Citigold account when I realized in XXXX XXXX that my bonus points have not been posted by Citibank ( it should be the end of XXXX XXXX ). I contacted Citibank and received a response that I was ineligible for the bonus points as I was not targeted and that I will not get the bonus points as originally promised despite Citibank charging me the service fee for the account I opened with the promotion code and my efforts to meet the requirements for the promotion. I do appreciate if you could investigate my complaint and help me making sure Citibank honors their promise. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found erroneous information 's reporting on my Experian Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Experian to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00}