23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

date opened XX/XX/year> and I had no knowledge what so ever on it, I did put in a dispute for indentity theft please remove this off as it is now a charge off / collection on my credit report immediately
Product: Debt collection

XXXX XXXX XXXX is attempting to collect a debt not owed. The original medical office where services were provided show no debts on my account nor do they recognize the debt collection agency who is contacting me and using my XXXX XXXX XXXX sons personal information. I fear the agency is fraudulent and may attempt to use his identity fraudulently. Further, they are referencing incorrect medical offices and inaccurate medical billing practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received my credit report Report # XXXX  from Equifax after disputing several items on it, I also disputed the same accounts with XXXX Report # XXXX well the accounts were not listed with XXXX so I didnt have to dispute them with XXXX. The accounts I disputed with XXXX  were investigated and removed, Equifax say they verified the account and therefore would not remove them. I dont understand how one Credit Agency can remove the items and another one cant. Its my understanding that all credit reporting thru the 3 Bueruas the information is suppose to be accurate and correct. Because of the inaccuraties i would like to have Equifax remove the items in question. 

Please see attached files.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 

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: Mortgage

My home experienced an electrical fire on XX/XX/year>. 

To this date, the mortgage company, Shellpoint Mortgage, is refusing to release the money they received on my behalf from my insurance company, XXXX XXXX, to complete repairs to my home. 

I am homeless and have been since XX/XX/XXXX. 

I have adequate insurance to cover the damages to my home, yet Shellpoint is refusing to release my money. 

They received a {$24000.00} in XX/XX/year>. SHELLPOINT cashed the check on XX/XX/year>. To this date, I have received XXXX dollars from Shellpoint to make the repairs on my home. 

I have asked and demanded that Shellpoint release MY money, and they continue to refuse, citing a process here, a document required there, an inspection that they are making me pay for that they wanted to schedule XXXX weeks in advance with a company based in Florida, who subcontracted with another agency in Virginia, who subcontracted with another provider in XXXX, who came to my home on XX/XX/year>. I have yet to have any money to make repairs. 

Shellpoint said they were releasing a check for {$6000.00}. I told them that was absolutely unacceptable, as the repairs are in excess of {$50000.00}. 

Shellpoint, whom took over my mortgage at some point this summer, is being racisXXXX, sexist and violating my rights to reside in my own home that I purchased and am current on the mortgage. At every phone call I make to Shellpoint, I have to work through their bureaucracy to get a person on the phone to lie to me. 

I was told that there was a check cut and mailed on XX/XX/year>. To this date, the check is not even mailed, according to XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent {$900.00} to my brother-in-law from my checking account with BB & T using XXXX. He immediately received a notification from his bank, XXXX XXXX XXXXXXXX, about the money. On XX/XX/XXXX I sent {$550.00} and again he got a notification from XXXX XXXX  XXXX. We tried to download the XXXX app on my b-in-law 's behalf but got a reply of " alias duplicate registration ' '' several times. I called XXXX. Their Customer Service told me that I had to check with my bank so I called BB & T. The response I got was not to worry, that if he didn't claim the money, it would return to my account after 14 business. Meanwhile, we called XXXX XXXX XXXX, who turned us back to XXXX, and XXXX to BB & T. 
After several days of waiting, probably more than 10, XXXX XXXX XXXX mentioned that the phone number I used, and my brother in law got it from XXXX in XX/XX/XXXX, had previously been used by a customer who had an account with XXXX XXXX XXXXXXXX, to receive money thru XXXX. I inquired about the name and they said they couldn't provide because of privacy laws. I demanded that BB & T started an investigation. On the phone they said they couldn't do anything to help me. The woman who I spoke to tried to say that if I mistyped the phone # or the name, it's my responsibility. However, that's not the case, both are correct. The banks claim they can't release the name because of privacy laws but XXXX XXXX  XXXX failed to verify that the name of the payee was not who I sent the monies to. BB & Tsent me a form with some questions to answer. It arrived very late so I brought it in person to a manager at  the BB & T branch in XXXX NC. He notarized my signature and took the letter to send with their internal mail. But nothing else was informed. 
I don't want to be left in the middle. If BB & T endorses XXXX for money transfers, which they do in their literature and as a big slap in my face ... When I called and was on hold for more than 30 min, all I heard over and over, was how secure and fast and this and that XXXX is. But there was obviously a big flaw in safely transferring your money. 
I DEMAND THAT BB & T, XXXX AND XXXX XXXX XXXXXXXX, RETURN MY {$1400.00} IMMEDIATELY.
Product: Credit reporting

BMW will not reverse a late payment '32 days due to a mistake that they made. i 've disputed and send in letters, all denied my appeal, they will not admit fault and I have proven to them over and over it occurred due to a customer service rep not recording a date change. They even admitted he did not do his job.
Product: Credit card

When I bought a mattress at Sleepy 's XX/XX/XXXX they suggested I pay for it with a Sleepy 's credit card that was free APR for 18months - the purchase was roughly {$2200.00}. I agreed, though I 'd been planning to pay for it outright - I got the card and had roughly XXXX $ a month automatically debited from linked account. When I saw my balance jump from {$1100.00} to {$2000.00} XX/XX/XXXX, I called immediately ( XX/XX/XXXX ) and the man said I could pay the true {$1100.00} balance as a lump sum and close out the account - which I opted to do. I gave him the number for my XXXX checking account and he said it would n't go through - I had him try several times and it did n't work -which did n't make sense. He said to call my bank and see if there was some block on a certain amount and to call back to finish the transaction. I checked with my bank - there should n't have been an issue, they did n't even see that Synchrony had tried to debit my account. When I called back over the next week, I got hung up on twice. When I got through today XX/XX/XXXX, they said the option to pay the lump sum expired on XX/XX/XXXX - so now I 'm stuck with the {$2100.00} balance. This seems corrupt, unfair, and predatory - furthermore-I believe they actively did not accept my payment on XX/XX/XXXX to prevent me from being able to pay off the lump sum. Please help! I only want to be held responsible for the balance of the original sum.
Product: Checking or savings account

My bank charged a XXXX nsf fee on XX/XX/22 and returned a payment when it clearly showed there was enough money to cover the XXXX payment and when I opened the account approximately 5 years ago I was told that deposits to the account go through before debits and there was a deposit and a credit so there still wasnt a reason to charge me the fee I have screen shots showing that I was not negative to being with it wasnt until they charged their fee that it went negative. I havent talked to customer service because they tell me to go to the branch manager and he treats me and talks to me like Im garbage very poor customer service we had an account with them over 20 years ago and due to job loss we had to file bankruptcy and that account at the time was negative like XXXX due to fees and was included in the bankruptcy we had to fight to get the account we have now we were told we could not have an account unless we paid the money but we new that they could not collect on something that was XXXX through bankruptcy I feel like our account is flagged so they can collect their money
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo no longer provides XXXX XXXX payroll services. I've been trying to get my 1st quarter tax report for 2019 for over a month to submit to my new payroll company. I've called many many times. I went into the bank 3 times. They said they would email it it me and they haven't. 
I need this report to pay my current employer and employee taxes.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the wrongful closure of my SYNCB/CARECR account, which was reported to XXXX on XX/XX/year>2025, and has resulted in an unwarranted drop in my credit score. Synchrony Bank claims my account was closed due to two or more dishonored payments, which is completely false. I have maintained timely payments, and at no point was I notified of any payment issues. 

Dispute Details : Date Reported Closed : XX/XX/scrub> 2025 Account : SYNCB/CARECR Credit Limit : {$1200.00} Reason Given for Closure : Alleged dishonored payments ( false claim ) Credit Score Impact : My score has dropped due to this wrongful closure This false reporting is a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, which mandates accurate and fair credit reporting. Under Sections 609 and 611 of the FCRA, I am formally requesting the following : Immediate Actions Required : Provide verifiable proof of the alleged two dishonored payments, including transaction details, dates, and documentation from my bank proving that payments failed.

If no proof can be provided, immediately update my credit report to reflect that my account was wrongfully closed in error and reinstate my credit score to XXXX. 

Confirm in writing within 14 days that this matter has been resolved and the wrongful reporting has been removed. 

Legal Consequences for Non-Compliance : If Synchrony Bank and XXXX fail to provide verifiable proof or correct this false reporting, I am prepared to take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) against Synchrony Bank and XXXX for inaccurate credit reporting. 

Pursue legal action under the FCRA for damages caused by the wrongful closure and credit score drop, including financial harm, emotional distress, and lost financial opportunities. 

Seek punitive damages against Synchrony Bank for misrepresenting my payment history and reporting false information to credit bureaus. 

This matter requires immediate attention, and I expect a resolution within 14 days. Please confirm receipt of this dispute and provide an update promptly. Failure to act will result in escalation through legal and regulatory channels.
Product: Debt collection

-In XXXX an Outpatient procedure was performed. This procedure resulted in having to be resuscitated, 5 days XXXX  and XXXX XXXX XXXX 
-in XXXX received a Civil Order at my mother 's home ( XXXX miles from procedure ) for $ XXXXThis Civil judgement was paid to my mother 's county for this XXXX XXXX. 
XXXX days after this payment was made & I returned to work an Income execution was sent to my employer, from the original county of procedure for {$1600.00}. ( for XXXX XXXX ) -In 15` my XXXX XXXX XXXXXXXX Acct XXXX was seized for {$3500.00}. ( for XXXX XXXX ) At this time I contacted my XXXX dept. and was informed this Attorney office was in violation of procedure due to the Retirement Acct. monies were exempt from XXXX to satisfy judgement. No response was given from firm. XXXX sent this firm the monies they requested and released the remaining funds to me. 
XXXX XXXX of XXXX my mother passed away. XXXX my mother received an Informational Subpoena regarding information regarding me ( The Debtor ) for {$2200.00} for XXXX XXXX. 
-It took me almost 2 weeks to get a hold of this Attorney, who stated that this amount is still owed due to taxes, fees and interest from XXXX, that remain unpaid for XXXX XXXX. 
- Attorney asked why my mother had not returned the forms. I informed the attorney that my mother was deceased. He stated, " sorry for your loss, though I do have XXXX XXXX. to come after you for this debt, XXXX more years to go, chuckles '' hangs up.
Product: Checking or savings account

Simple by BBVA is removing Bill Pay. As an online only bank this will cause great stress on customers to be able to pay bills electronically initiated by the bank. Many if not most banks have a bill pay service, it allows their customers to make payments to many billers from a single location. 

Simple has had this Bill Pay service for a long time and removing it will leave many unable to pay their billers who may charge for initiating it from the biller side or they require a physically mailed check. Now Simple has started allowing checks to be written against the account, which was not possible before, but this will add burden and confusion to customers who have not done this prior. 

Simple Bill Pay system is unique in the sense that once the transaction posts to the account a customer can add notes for tracking, spending from a goal/expense or categorize. All these things are built around Simples integrated website and budgeting tools. Removing Bill Pay creates a gap where customers can no longer see all in one place all the funds that will be leaving. Instead now it would be up to each biller when to pull the funds.
Product: Debt collection

I finally received a ledger of the amount that I " owe ''. The balance on the ledger states {$2700.00}. I have added this up several times and do not come close to that balance.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 6 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a Auto loan account opened at XXXX XXXX opened XXXX. XXXX, 2024 account number ( XXXX ) This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan XXXX XXXX opened XXXX. XXXX, 2024 account number ( XXXX ) This accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on myconsumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft andfraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

In XX/XX/XXXX, I applied for a Loan Modification with Flagstar Bank and was offered a XXXX % modified interest rate. The loan mod paperwork was incorrect so I went back and forth with Them to get it corrected over several months. When the new paperwork was sent out in XX/XX/XXXX, the interest rate jumped up to a XXXX XXXX rate. When all title info was corrected, Flagstar Bank sent out a Trial Plan Agreement that went up to {$4400.00} for 3 months. I managed to pay the three payments and when the modification paperwork was sent to Me the interest rate jumped up from XXXX XXXX XXXX XXXX XXXX and the monthly payment was {$4400.00}. On XXXX XXXX I sent Flagstar My completed documents and on the XXXX They could not accept the documents due to an error that was Their fault. They resent the documents to Me and the Flagstar paperwork stated that They would be sending a mobile notary to finalize the docs but that never happened and so Flagstar closed My mitigation. On XX/XX/XXXX, I was approved for a partial claim due to XXXX and monthly payment of {$3800.00} at a XXXX  % interest rate. The paperwork sent to Me still had My Wife 's Maiden name on the Title docs after all this time spent correcting it and closing My modifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX Amerisave Mortgage Corporation inappropriately did a soft hit on my credit. I inquired about rates on their website without sharing my SSN. They sent me my credit scores stating they did a soft hit on my credit. I did not give authorization to check my credit. I called XXXX XXXX tel XXXX who sent me rates on my email after I inquired about rates on their website and he said that with my name and dob it is possible for Amerisave to do a soft hit on my credit. I want appropriate action taken against this organization and the soft hit reversed. They also kept calling me from 25 to 30 different phone numbers after that at night time and any time of the day. Every time I put a block they would call me from a different number. This organization is engaged in inappropriate behavior.
Product: Debt collection

Received letter From ERC dated XXXX XXXX XXXX that is attached. Half way down the page you see the letter states " Unless you dispute the validity of the debt, or any portion thereof, within 30 days after your receipt of this notice, the debt will be assumed to be valid by us ''. However on XXXX XXXX XXXX only 6 days after receiving this letter ERC reported to all XXXX Credit Bureau 's as a valid debt instead of allowing me the 30 days. I believe that ERC violated my consumer right 's afforded me in the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE. Kindly expedite the removal of the unauthorized accounts from my credit report. I did not authorize or initiate these accounts and have no knowledge of their origins. In compliance with USC 1681g, I formally request their removal within XXXX  days. Relevant documents are enclosed for your review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX : {$350.00} XXXX XXXX XXXX XXXXXXXX Balance : {$86.00} XXXX XXXX XXXXXXXX Balance XXXX {$250.00} XXXX Inquired on XXXX XXXX, 2022
Product: Credit reporting or other personal consumer reports

I am writing in relation to the response received on XX/XX/2023 concerning my dispute. The lack of detailed information in your summary is concerning and necessitates further elucidation.

Account Updates Detail : The vague term updated does not provide clarity. I request a detailed breakdown of all modifications made to the accounts with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, pursuant to the Truth in Lending Act ( TILA ). 
Verification Documentation : Under Section 611 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I request copies of all documentation used to verify the accuracy of the information reported by the aforementioned creditors, along with the name and contact information of the furnishers who verified the information.

Receipt of Investigation Results : While awaiting the mailed copy of the Investigation Results, I urge TransUnion to ensure the document encapsulates all necessary details, with clear delineation of all updates and modifications made to my credit file.

The absence of transparency and detailed information in the summary is causing significant financial uncertainty and distress. I look forward to your thorough and detailed response within the stipulated XXXX period as outlined in the FCRA. 

Yours sincerely, XXXX XXXX
Product: Credit card

In XX/XX/year> CitiBank sent me a letter stating that they will not be sending me a new credit! They didn't close the account, but they don't want me to use the credit card. Months earlier they also lowered my credit limit! The drop in credit limit a very bad affect on my credit scores! I aways made my payments on time and have not missed any payments, so I feel that these credit card companies are doing this to affect my buying power! Please help??
Product: Credit reporting, credit repair services, or other personal consumer reports

DID A HARD INQUIRY ON MY CREDIT WITHOUT MY PERMISION OR KNOWLEDGE AND HURT MY SCORE.