23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of XXXX, an attempt to serve papers on me was made at a prior address. My prior landlord did not have an address or current phone # for me, but signed for the papers and then tried to locate me which he eventually did. He forwarded those papers to me at that point. They were papers alleging that I owed a company called " XXXX '' a sum of {$4000.00} plus court costs. I have NEVER borrowed a sum of money anywhere in the {$1000.00} + plus range. I believe that it could be possible that I might possibly have done a small " payday '' loan with this company when I lived in XXXX Al which would have been PRIOR to XXXX. I can't say for sure. If so, it was in an amount under {$500.00} which I would have paid back. Although I can find no record of such, I do believe that I was contacted via telephone in the late XXXX by individuals claiming to be from XXXX. I felt it was a scam. They had foreign accents and were pressuring me and I refused to do business with them. I did NOT borrow any money from them and did not hear anything further from them after that point. I was living in Montana at the time. I have never received any " reminder '' notices or other correspondence regarding owing any money to " XXXX  ''. There is no record of a debt owed to them anywhere on a Credit Bureau Statement from all XXXX major Credit Bureaus. I have studied my credit report in depth and have discovered XXXX addresses and XXXX phone number that have NEVER been mine. They are : XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX also located a phone # in the XXXX? : XXXX This number appears to be a " mixed up '' version of my current phone #? 

So ... this is where I stand with this.
Product: Checking or savings account

Recently I was terminated from my employment with another company. In the termination they stated someone had reported " Account Abuse '' on my XXXX  report and that I should obtain a report. I obtained a report and just received it. On the report Citibank is reporting an account as account abuse and charged off. Firstly I am a victim of identity theft, I never authorized any account 's to be open with this bank, I did not receive any checks from this bank. I did not receive any debit cards or any information about this account being opened from this bank. They did not call me to clear the fraud alert on my credit file and instead allowed the fraudulent account to be opened. Last year I had to file bankruptcy because of the Identity theft and all of the charges that occurred this account was not only included but it was discharged. However Citibank assumes I owe them for an account I never authorized. They are illegally attempting to collect a debt, and Illegally providing false information to XXXX about an account I had no knowledge about. I never authorized anyone to use my information, My wallet was stolen and CITIBANK WAS NOTIFIED. Citibank continues to choose to violate my consumer rights and continues to report the account monthly to XXXX as account abuse and all I have of this account is the last 4 numbers that's all it shows I never received any documents from this account, and I never received any monetary benefits from this account. XXXX is the last 4 digits and all it shows with a balance of {$900.00} It says Reported for " Account Abuse '' I didn't abuse any account 's because I DIDN'T EVEN AUTHORIZE THIS ACCOUNT. How can you open fraudulent accounts in peoples name without their permission, and then proceed to report it as account abuse are you kidding? There is no abuse because I never received anything from this account. ID Theft affidavit is below. Bankruptcy was discharged XX/XX/2021. You are illegally reporting false information and did not verify anything.
Product: Money transfer, virtual currency, or money service

XX/XX/2018 I was on XXXX searching for event tickets and found an add that advertised tickets for the amount of {$120.00}. After this point seller organized the money exchange would be via XXXX ( It felt safe because my bank Wells Fargo was linked so naturally assumed there would be protection ). The seller proceeded to send XXXX account email and instructed me to send {$120.00}. After I sent funds a brief phone call was made to seller where I was told that the tickets were being sent from XXXX and that it would take a few minutes and quickly hung up. Several phone calls attempts and several more after the seller denied all calls made. This was a devastating experience using XXXX. 

Ps I reached out to Wells Fargo and was told nothing could be done and to just call the cops. Wells Fargo doesnt not refund any XXXX transactions if its comfirmed fraud only if the XXXX sender is hacked.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/2024. I noticed some things are still incomplete and not accurate. 
Date of Last Activity Date Open Balance Owed : Original Creditor This account was sold without my knowledge I am not liable for this debt with XXXX XXXX XXXX. I do not have any contract with XXXX XXXX XXXX. 
According to the Fair Credit Reporting Act. 15 U.S. Code 1681e - Compliance procedures. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Mortgage

I have had a loan with XXXX XXXX XXXX for at least 10 years. No problems I sent in my mortgage on time all insurance and taxes were paid on time. They sold my loan to this new company Seterus. I NEVER received a welcome package. The only way I was advised my loan had been transfered was that my check for my mortgage was returned by XXXX XXXX XXXX with a letter with this company XXXX who is now my new lender. Well by the time my check was returned my mortgage was late. I called the number given me and a person reassured me that my loan " was n't in the computer yet '' and I would not be charged any penalties for being late. I have called them back Thursday to check what the status was. and now 2 months have gone by. I finally was able to send a check in and get an account number. Then they ask you to fill out a form on-line, so I did so. I tried to get back into the account after I was e-mailed an important message that I needed to check on the Seterus website. I logged in and it has me logged out. I called and luckily I punched the correct numbers ( the call center is just a bunch of recordings and if you punch XXXX it knocks you off the phone. ) I had been locked out of the account because I am not the account holder my deceseased husband is. Well my husband died 4 years ago, XXXX XXXX XXXX was informed of this and my mortgage was paid on time every month. I need some kind of help because they refuse to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying over SEVEN MONTHS now to have TransUnion properly and legally verify items that appear on my credit report. What they have done is contacted the creditors, and the credit reporting agency ( TransUnion ) and the creditors have 'verified ' among themselves, without providing ME with any supporting documentation ( an 'original ' document bearing my signature ) that they, in fact, are reporting on the correct person. Also, per the FCRA, TransUnion must maintain original documentation ( baring MY signature ) and receive it DIRECTLY from the creditor/original reporter ( i.e. the court ), NOT a third party ( i.e. XXXX ). As the attached demonstrates, the court responsible for some of the items being reported on my report DO NOT communicate directly with credit reporting agencies, thus making this information baseless for reporting. 

Also, TransUnion closed CFPB report # XXXX without resolution, stating that the investigation will take up to 60 days. I request that this CFPB case remains open until the case is resolved, AND that the results ( minus any of my personal information ) are given to me here on CFPB 's site, in addition to any mailing I may receive.
Product: Mortgage

We had XXXX company to make the payments of ours home mortgage in XX/XX/2019, then they transfer our account to a company called shellpoint Mortgage Servicing, New Rez LLC dba and since that they only sent to us one paper bill and stop doing it! I called to them and asked about my bill on paper for XXXX and they said that will sent it to me and nothing yet now we are late and their online billing option does not work yet, is not fair that we never have problems with XXXX making payments a month ahead and that since this transfer account we do not wan na gon na get affected with extra fees of late payments and a possibility that they will destroy my credit score that I work hard to keep and maintain in a good score. we need help in this situation, thank you!.
Product: Credit reporting or other personal consumer reports

I want these inquiries to be deleted I did not authorize these companies to run my credit XXXX XXXX XXXX XX/XX/XXXX CITI LBANK NA BESTBUY XX/XX/XXXX
Product: Credit reporting

Experian is reporting that I have an OPEN COLLECTION ACCOUNT with XXXX XXXX XXXX XXXX which is not true. I do not have a open account with this company nor do I have an outstanding amount of money owed. I do not have any account in collections. Please provide the reference number for this account
Product: Checking or savings account

On XX/XX/2021 I contacted BB & T because once the merger was successful I was charged a service fee of XXXX throwing my account into overdraft. The total I owed was XXXX and some change ( exact dollar amounts forwarded upon request ). I cleared that balance, paid it in full and closed the account. The bank informed me that because my direct deposit was less than XXXX the fee was charged. I was outraged. I am XXXX XXXX of age and was in the hospital for several weeks, thus my direct deposit was less. So I cleared my balance with the bank, and left XXXX in the account because I am tired of the money that BB & T now Truist takes in fees from my account and the fees they collect on my account. On XX/XX/2021 I closed my account in person at the XXXX XXXX branch and there was a XXXX balance, today I checked the account as the cards were cut in front of the young lady that I went into the bank to closed the account. No paperwork was given and I was informed that I would not receive paperwork that day but that it would be mailed to me ( and to date I have not received that paperwork ) so I asked her for my account numbers and routing number so that if my deposit came in before my job stopped my direct deposit and it was routed to BB & T they could find my money. This bank has been ripping me off since the pandemic started and I have proof of how many times BB & T closed my account and issued new account numbers, ATM cards and prepaid Debit cards in order to keep me as a client. They knew they was wrong and I can forward this information upon request. Today I called BB & T/TRUIST to make sure my direct deposit did not go to an closed account, ( today is XX/XX/2021 ) and this bank had the nerve to charge me XXXX on a positive account ( it was not negative when I closed the account and they charged me this fee on a closed account. I would like to have this fee and charge dismissed as they young lady informed me to keep the XXXX in the account in the event that my direct deposit hit. Now how did the XXXX become a negative XXXX and they access a fee of XXXX on a closed account. All my creditors ( proof given upon request ) was given my new account ( Visa card numbers for bill paying on XX/XX/2021 ) so no bills went or was forwarded to BB & T for payment. I am not going to pay this fee and would like to have it cleared and closed before they report it to the Credit Bureau. Thank you
Product: Credit reporting or other personal consumer reports

To my disbelief, I found incorrect accounts listed on my credit report, and Im completely unsure of the cause. I checked my report, as I normally do, and was stunned to see these discrepancies pop up without warning. Refreshing my browser didnt fix it ; the incorrect accounts stayed there. This situation has me very concerned, so Im requesting a careful review of my documents to prevent this from happening again.
Product: Credit card

I signed up for an American Express XXXX card. They offer XXXX Membership Rewards when someone spends {$10000.00}. I quickly sent {$2000.00} to my landlord via XXXX. I then booked a trip for my family that was worth {$8500.00} or so. Right away, the XXXX Membership Rewards points posted to my account. I was excited of course. However, my travel plans changed. I had to cancel my hotel and rebook for a different date ( I believe it was for 2 weeks later ). Again it was for a similar price, in the range of {$8500.00} or so. I logged into my account to pay my bill when I saw that the XXXX Membership Rewards ( worth about {$1000.00} in cash back ) was gone. I called and they claimed that I used my card fraudulently. I asked them to speak with a supervisor who claimed that because I canceled my hotel reservation, I was abusing the program. 
Well, I was n't trying to steal. If I was, I would 've used the XXXX Membership Reward points before I " canceled '' my hotel. And I never canceled my hotel, I just changed my reservation to a different date to accommodate my family. They were unwilling to listen to anything I said. I tried really gently to explain but they kept saying I was acting fraudulently and I think it 's because they do not want to give me the XXXX Membership Reward points they promised. What should I do?? Thanks.
Product: Debt collection

COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX To Whom it may Concern, I was notified by a collection agency by email which they posted on my credit report by an unknown credit company from the company listed above requesting me to pay amount {$290.00}. By email, I asked them to validate this debt by sending the government photo that was submitted with the rental application which is a requirement by every rental landlord from each applicant which is a requirement for identification verification purposes, they refused to send me. This has been badly affecting and hurting my credit report which was posted by this company. I will be glad if proper investigation is taken concerning this matter so I can be able to have my life back on track. 

Thanks for your cooperations XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my credit file that I did NOT authorize. I tried disputing the inquiry with XXXX multiple times and they refuse to conduct the investigation against my rights. I did not give any employed by this company to many an inquiry and view my credit report. This is a violation of FCRA 1681b ( c ) and is a serious breach of my privacy rights! 


CITI CARDS CBNA
Product: Credit reporting, credit repair services, or other personal consumer reports

623 DIS : This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

The specific information under dispute is the derogatory nature.

I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit agencies are reporting my home address as and XXXX XXXX 
They have my street number and name correct, the town and zip are correct but there is no XXXX XXXX 


They also list additional addresses which I've never lived at or paid and received bills for. 


Despite repeated phone calls and letters refused to correct.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL. XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX Dear XXXX XXXX, I hope this letter finds you in good health and high spirits. My name is XXXX XXXX XXXX, and I am writing to you as a concerned customer of your esteemed company. I had been a patron of XXXX XXXX carrying a XXXX XXXX and have always held your services in high regard. 

I am reaching out to you today in a second attempt, to bring to your attention an issue that I recently discovered on my credit report as I am reviewing my profile in debt. I believe this matter requires your immediate attention as it pertains to an entry that inaccurately reflects my financial history with XXXX XXXX. 

Specifically, the issue revolves around a charge off that was paid in full, XXXX of XXXX. However, to my surprise, my credit report continues to state that this charge off remains active as of XX/XX/XXXX. I must emphasize that this discrepancy is not only misleading but also potentially damaging to my creditworthiness. 

Given the substantial impact that credit reports have on individuals ' financial lives, it is imperative that they accurately reflect the financial status of consumers. I trust that XXXX XXXX takes its commitment to fair and transparent practices seriously, and I am confident that this situation can be resolved promptly. 

I kindly request your assistance in rectifying this matter. I believe that a correction to my credit report, reflecting the accurate status of the paid charge off, is the fair and just course of action. Additionally, I request that you communicate with the relevant credit reporting agencies to ensure that this correction is reflected accurately across all platforms. 

I understand that administrative errors can occur from time to time, and I have every confidence that your team will address this issue with the diligence and professionalism that XXXX XXXX is known for. 

I appreciate your prompt attention to this matter. I am confident that, with your support, we can resolve this discrepancy swiftly and amicably. I look forward to hearing from you at your earliest convenience. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Actions by L J Ross Associates, Inc. : 1. L J Ross Associates , Inc. continues to pursue collection of the debt without validating it.

2. They have reported the debt to credit bureaus, negatively impacting my credit score.

3. They have not provided an itemized breakdown of the charges or proof of their authority to collect the debt. 



Desired Resolution : 1. L J Ross Associates , Inc. must immediately cease all collection activities and reporting to credit bureaus until the debt is fully validated.

2. If validation can not be provided, the debt must be removed from my credit report and all collection activities must be terminated. 


XXXX XXXX XXXX XXXX XXXXXXXX should be required to confirm the legitimacy of the debt and provide detailed account records to resolve the discrepancy in the claimed balance. 



I believe the actions of L J Ross Associates, Inc. violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request the CFPB 's assistance in resolving this matter.

Thank you for your attention to this issue.
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.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.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. 

This is improper use of my credit on XX/XX/20XXXX XXXX account shows as a " Derogatory Account '', on XX/XX/2024 it's showing as an " Improved Account '', and then on XX/XX/2024 it's showing as " Delinquent Account '' I need this account from removed from my credit within 30 days or less as these inaccuracies are stopping me from getting a house for my family.
Product: Credit reporting or other personal consumer reports

I went to purchase a vehicle and I noticed inquiry that are fraudulent on my Consumer Report. I have not applied for credit or entered into any contractual agreements with XXXX XXXX XXXX XXXX XXXX XXXX XXXX during the time periods indicated by the inquiries. As these inquiries were conducted without proper authorization, I kindly request their immediate removal from my credit report to prevent any negative impact on my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked all 3 credit bureaus ; XXXX, XXXX, and Transunion, to do a verification of my credit report due to identity theft, and inaccuracies and they did, EACH BUREAU stated everything was accurate. I then did thorough research myself and i found improper inaccuracies all throughout my reports. I attached my credit report below with all EVERY ACCOUNT with the inaccuracies and the ones that are not mine. In accordance with the Fair Credit Reporting act converging ANY ACCOUNT violates my rights.

15 U.S.C. 1681 section 602a. States that i have the right to privacy.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. They can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : DEPARTMENT OF EDUCATIONXXXX XXXX XXXX XXXX Account name : DEPARTMENT OF EDUCATION/XXXX XXXX XXXXXXXX Account name XXXX UNKNOWN # XXXX Account name : UNKNOWN # XXXX Account name : UNKNOWN # XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

These accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 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 if information. Any other adverse item of Information, other than records of convictions of crimes which anecdotes 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: Credit reporting, credit repair services, or other personal consumer reports

My letters were sent on XX/XX/23 and no update has been sent to me as of yet about the matter to dispute. By law the credit company has 30 days and both XXXX and Equifax has failed to do so.