23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with AMERISOL company I believe the original creditor XXXX XXXX XXXX XXXX XXXX sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Credit card or prepaid card

I was charged for services that were shoddy workmanship and an unfinished job. Although I have pictures, text messages and a letter from my attorney XXXX XXXX XXXX XXXX card that I opened explicitly for this purchase refuses to stand behind me as a card holder and keeps denying my disputed amount of $XXXX.  After researching I have found countless other complaints that Citi will never side with the consumer and always denies claims. I will never own another Citi credit card and I urge other's not to as well. I have attached the letter from my attorney here.
Product: Debt collection

An account with Affirm was opened up fraudulently under my personal information due to myself being a victim of identity theft.
Product: Credit reporting or other personal consumer reports

This debt is a medical debt where the original debt collector was suppose to bill final billing after insurance paid to my XXXX american XXXX tribe, i have disputed this several times with XXXX equifax XXXX  and none of the agencies has removed this derrogatory info from my credit files and due to the fair credit reporting act it meets the credentials for removal of the derogatory info due to being a medical debt due to XXXX XXXX. Tbe status of the debt has not been updated in 6 years however the amount owed has been updated XX/XX/year>. This is incorrect and derogatory
Product: Credit reporting, credit repair services, or other personal consumer reports

Institution Information XXXX XXXX, TX XXXX ( XXXX ) XXXX police report was filed and file number is XXXX
Product: Money transfer, virtual currency, or money service

I was the victim of wire fraud. An individual accessed the system of either our mortgage company ( XXXX ) or closing company ( XXXX XXXX and XXXX XXXX ) and emailed me under the guise of our mortgage agent. They included a docusigned version of our qualification letter to reference the {$130000.00} in closing costs I would need to wire to the closing company. 

I wired that amount from my bank ( XXXX XXXX ) to an account at Truist ( account number XXXX ). Truist held flagged the transaction as possible fraud and contacted XXXX XXXX, who contacted me. I told them it was fraud ( by that point I had figured it out ) and XXXX XXXX relayed that message to Truist. That happened XX/XX/2023. 

Since then, I have been working with XXXX XXXX to try to get my money back from Truist ( who did not deposit the transaction into the fraudulent account ). I signed a letter of indemnity and have been waiting months. Yesterday, XXXX XXXX closed my case, saying that it was now between myself and Truist Bank as to whether I would get my funds. I have no point of contact at Truist. I don't have an account there. And I was basically told it was up to Truist whether or not they would keep my entire life savings or return it to me. 

Has anyone there ever heard of something like this? And how can this be legal? In my opinion, Truist basically foiled fraud so that they could commit it.
Product: Debt collection

This account has been reporting to my credit report as delinquent. I have no knowledge of this account. This is not my account.
Product: Credit reporting or other personal consumer reports

Experian shows a significant drop in score without any reason. My Experian credit score constantly fluctuates without reason. Disputes are not supposed to affect score. I try to apply for a new card and Experian dropped my score XXXX points before application can be reviewed. How is this possible? An application shouldn't drop my score XXXX points!
Product: Debt collection

I called XXXX service number on the back of the card on or around XX/XX/2018 and explained that I had been through a hardship and wanted to get my XXXX card back on track I told him that I couldn't make a payment until XX/XX/2018 and will pay the rest of the balance XXXX by the next due date. Thinking everything was fine until I got an alert from the credit bureau that my XXXX card was closed on XX/XX/2018 wow I thought they were working with me I guess not. I called the number on the back of the card on XX/XX/2018 to find out what happened to the agreement. The lady on the stated the call would be recorded that's fine so I told her that I would be recording the call as well and she said that it wasn't ok so we ended the call. I just wanted to record it because of the call on or around XX/XX/XXXX when i made the arrangement to make a payment by XXXX of XXXX. They obviously lied about helping me get back on track. I spoke with an attorney prior to trying to work out things with my credit cards he told me to just file bankruptcy because they are not going to work with me. He was half way right all of my credit card companies and mortgage is working with me except XXXX XXXX cards. After the phone call I get some email from a collection agency. XXXX XXXX   is not interested in helping customers when they have fallen on hard times.
Product: Debt collection

Last week I received 2 letters from the sheriff 's office of LA stating Two judgements put on my house My wages are gon na be garnished For a false deabt collection please you must stop this scam They fraudulently Filed lawsuit Against me without contacting me no letters no one served me they just did it out of the blue I am desolate I'm XXXX  my XXXX   XXXX XXXX, We asked them for debt validation we have not received it to this date we don't even know who these people are scammers thugs consumers need to be aware of this illegitimate companies We have no idea what this debt is at all please help us resolve this matter at once and notify the consumer of this kinds of scams
Product: Mortgage

I bought a house using XXXX home loans and closed in XXXX 2015. A couple of weeks later my mortgage was sold to US Bank. The date of the transfer from one to the other was XXXX XXXX. 
I made my mortgage payment on XXXX XXXX 2015, of {$1700.00} to XXXX XXXX XXXX ( before my mortgage switched to US Bank ). Since the take over US Bank has said that I still owe the payment due XXXX XXXX, and XXXX XXXX Loans, say that I have paid it and they are wrong. I have made 4 calls and spent time trying to find where this missing payment that these companies can not figure out. 
So now I have become a middle man between XXXX multi-XXXX dollar companies to resolve a payment. I do not owe US Bank a payment until XXXX XXXX 2015.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On or about XX/XX/20 my husband and I both received medical bills from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$27.00} and {$200.00} ). Both bills were paid in full on or about the same date from our HSA at XXXX by check. Both checks had the correct acct # on them and were cashed. We received another bill the following month showing these amounts still outstanding. I made phone inquiry and was advised to send the canceled checks to XXXX @ XXXX  which I did. She advised that she could not make the correction but would send it up the chain. I was told it could take up to three months but since they had the canceled checks it would not be sent to collections. I continued to follow up periodically and the same assurances were made. On XX/XX/2020 my husband and I both received letters from a collection agency, American Adjustment Bureau Inc. claiming {$7.00} and {$52.00} were due. Our online accounts show : a " XXXX XXXX XXXX '' credit and " Bad Debt Collection '' amount due in the same amounts as the letter. We have both submitted a written dispute with supporting documentation. I'm certainly frustrated with the process and concerned about how this will affect our credit. I'm also concerned others may be facing the same problem.
Product: Checking or savings account

Returned a gold ring on XX/XX/XXXX by XXXX  to XXXX XXXX XXXX total of XXXX and this company recieved my package but never issued a refund and never helped me with my issue. Called Wells Fargo and they opened a dispute after 2 months they closed my case and sided with the company. This is wrong and unethical. I provided Wells Fargo with the XXXX  tracking number of the returned package. I provided the proof that the company never issued my refund with the XXXX return tracking! I will be closing my account after 3 years of having Wells Fargo. I do not want to bank with a company that cares about profit from a company rather than my loyalty and doing the right thing!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX, XXXX  XXXX, XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Bank account or service

I withdrew {$500.00} from XXXX Bank 's ATM ( XXXX XXXX XXXX XXXX, MN XXXX ) When I tried to take my money it seemed to be stuck and I only received {$240.00}. I immediately went inside the bank and told them what happened and they told that I had to contact the debit card company. I called American Express Serve customer assistance and they filed a disputed transaction on my behalf. I was told that it would take 10 business days to process the dispute and I would receive an email to submit my statement, I did that right away. After 10 days I heard nothing and they would email the dispute team for a staus update. After 5 days I called again and they said the dispute team was working on it. I was told I would receive an email with an update. After countless calls speaking with supervisors and upper level managers each stating that I had their guarantee that In would hear from the within 2 business days. I also was told originally that if it was n't resolved after 10 days I would receive a temporary credit for the {$260.00} which is the dispute amount, That never happened. I contacted the Minnesota State XXXX Consumer Complaint Department and they said they would look into it. After a period of about 3 days the I received the temporary credit of {$260.00} untol the matter was resolved. I originally filed the dispute on XXXX/XXXX/2016 I did n't receive the temporary credit until XXXX/XXXX/2016. On XXXX XXXX I received an email that the ATM company took {$60.00} back from the documents they have. I was told I could request those documents. I requested them and again after numerous calls they finally sent them. I can email you those documents if you would like. The documents state that I requested {$500.00} which is not true I requested {$260.00}. They also said they reviewed the camera footage and saw I was having trouble obtaining the cash and a few bills the wind blew from my hands.I will wait your response, I realize it 's only {$60.00} but my only in come is social security XXXX. I have XXXX and I have some medical expenses that are n't covered and the {$60.00} is a lot to me.
Product: Checking or savings account

CHIME IS COMMITTING FRAUD BY KEEPING DISPUTED REIMBURSEMENT PAYMENTS & CHANGING THE STATEMENTS TO MAKE IT SEEM THAT MY ACCOUNT WAS CREDITED BUT NO MONEY IS IN ACTUALLY REIMBURSED TO MY ACCOUNT. I WAS ON THE PHONE FROM XXXX XXXX XXXX TIME TO XXXX on THURSDAY XXXX XXXX. IVE SPOKEN TO A TOTAL OF 24 REPS & SUPERVISORS. AS HIGH UP AS THE DISTRICT XXXX XXXX. I WAS DISCONNECTED A TOTAL OF 28 times MID SENTENCE LITERALLY BLAMING TECH.DIFFICULTIES FOR OVER A PERIOD OF XXXX. Day # 1- 5 TIMES. Day # 2- 28 times IN 7.5 HRS! Calling BACK EVERYTIME TO GET PUT ON HOLD FOR SIGNIFICANT TIME PERIODS.. THEN ..CLICK FOR 7.5 HRS STRAIGHT. THEY NEED TO ANSWER FOR THE HARASSMENT, DISRESPECTFUL, INCOMPETENT, & FRAUDULANT LIES & BLANTANT THEFT THEYRE COMMITTING! PLEASE GET BACK TO ME ASAP. WHEN I TELL YOU WHAT IVE BEEN THROUGH XXXX THIS JOKE OF AN ONLINE DISFUNCTION YOUR JAW WILL BE DROPPED & SPEECHLESS WILL BE AN UNDERSTATEMENT.!, WITH SINCERE RESPECT, .. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect name, addresses, phone number & emloyers FCRA VIOLATIONS see attached documents XXXXXXXX XXXX XXXXXXXX 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, TX XXXX APARTMENT COMPLEX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX MULTIFAMILY XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX MULTIFAMILY XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX APARTMENT COMPLEX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY 1935 XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX APARTMENT COMPLEX XXXXXXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, MA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, MA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY 1935 XXXX XXXX XXXX XXXX, AL XXXX MULTIFAMILY XXXX XXXX XXXX  XXXX XXXX, AL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXXXXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX SINGLE FAMILY XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX APARTMENT COMPLEX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX APARTMENT COMPLEX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX MULTIFAMILY XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX, MA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, MA XXXX SINGLE FAMILY ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Dispute Not mine or No knowledge of account RemoveXXXX XXXX XXXX XXXX Account Dispute Not mine or No knowledge of account RemoveXXXX XXXX  Account Dispute Not mine or No knowledge of account RemoveXXXX XXXX Account Dispute Not mine or No knowledge of account Remove XXXX Account Dispute PAYMENT NEVER LATE Remove XXXX XXXX XXXX Account Dispute Not mine or No knowledge of account
Product: Vehicle loan or lease

On multiple occasions my car loan with Santander consumer. Goes up in value. I cant trade the car in nor can I afford the payment any longer. The interest is really high. I often Call try to lower the monthly and have received no success. With the pandemic they have always reported that it was late where the cares act state they shouldnt. Ive also asked for XXXX payment removal with no success. The account doesnt even report properly with many different information across the three credit Bureau. While always reporting lates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, Amex Account numbers as follows : XXXX XXXX 15 USC 1681 section 604 " states rights to consumer privacy '' Reporting agency 's can not furnish an account WITHOUT my WRITTEN consent!!
Product: Debt collection

Ditech file bankruptcy In XX/XX/XXXX the switch my account n messed everything up My account switch in XX/XX/XXXX to shellpoint Ditech change my regular monthly payment after XX/XX/XXXX the went up alot n didnt apply 2 or 3 payments Shellpoint Sent letter on XX/XX/XXXX about account switching over but I was already have problem with ditech I payed XXXX n shellpoint said i was still in default but when I called their new account office they said I was current n the still foreclosed on my house
Product: Checking or savings account

It seems like I'm being given the run around when trying to get my money back after being a victim of identity theft. The bank has not credited my full balance and they have closed the case. I called Friday and was told that a new claim had been started for the misunderstanding. When I checked today no claim had been started. I will like to take further legal steps of necessary.
Product: Debt collection

XXXX | XXXX : Account Details XXXX  XXXX XXXX Last reported XX/XX/XXXX {$77.00} Open balance XXXX  XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 2 mos ) Account status Open Type - Responsibility Individual Remarks Placed for collection Original creditor name XXXX  XXXX XXXX XXXX Opened A collection was added to your file Between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to your report. 
The collection agency is XXXX XXXX XXXX. The original creditor was XXXX XXXX XXXX. 
When you've fallen behind on payments and your debt is sent to a collections agency, you can end up with a derogatory mark on your credit report. This often causes a pretty big drop in your score. Learn more about accounts in collections. 
Account Details XXXX  Credit Report As of : Today XXXX XXXX  XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Credit card XX/XX/XXXX Open Open. {$62.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX 111 % {$890.00} XX/XX/XXXX XX/XX/XXXX {$800.00} {$36.00} {$62.00} {$890.00} XXXX XXXX REPORTING INACCURATE INFORMATION AS STATED HERE SAYING THEY ARE THE ORIGINAL CREDITOR AND THEN SAID ON ANOTHER REPORT XXXX IS THE ORIGINAL CREDITOR, SO WE SEE INACCURATE INFORMATION BEEN REPORTED.