23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I returned a lease to XXXX XXXX in XXXX back in XX/XX/2020. We have documentation of the lease return. Almost 6 months later, a tow truck showed up at my mother-in-laws home attempting to repossess the same vehicle. We found out that XXXX never processed the lease return, and that XXXX XXXX XXXX was attempting to collect the debt or the vehicle. We contacted the bank right away to let them know we were no longer in possession of the car, and that we had documentation to prove wed returned the vehicle well within the allotted time. The bank notified us that it mustve been a failure on the dealerships end to file the necessary paperwork. We were told the negative effects to my wifes credit would be reversed, and to allow 30 days for the changes to reflect. We were also advised to contact XXXX and ask about the whereabouts of the vehicle and why the lease return was never processed. After multiple attempts to speak to a manager on the phone and being told that the managers were busy, we went to the dealership in person and asked to speak to the manager. We were told to wait and eventually someone approached us to see how they could help. We explained the situation and provided our documentation, and were eventually informed that XXXX was in fact in possession of the vehicle in question, and that XXXX ( another XXXX entity? ) had failed to collect the car. When we countered that it had been XXXX XXXX responsibility to inform the bank of the lease return so theyd stop charging us, we were simply told something mustve fallen through the cracks and that they would commence the lease return process now ( almost 6 month later ). We realized once we got to the car and looked at the gentlemans card that we hadnt even spoken to a manager, but a sales associate. It has now been 48 days, and my wifes credit summary still reflects the situation, claiming she failed to make car payments. Naturally, her credit score is very poor as a result. She has always been the type to pay everything on time, and had an excellent credit score before this incident. We would love any help or legal consultation on how to proceed with this matter.
Product: Debt collection

THIS COMPANY IS NOT LICENSED IN FLORIDA FOR COLLECTIONS AND IS TRYING TO COLLECT A FALSE MEDICAL DEBT FROM ME THEY ARE NOT LICENSED IN FLORIDA.
Product: Bank account or service

My banking institution, PNC Bank, initiated a debit memo from XXXX account ( herein referred to as " Acct XXXX '' ) in order to fund my other account ( herein referred to as " Acct XXXX '' ) in order to bring Acct XXXX closer to a positive balance. In that process, PNC Bank caused Acct XXXX to go into overdraft for other transactions and charged XXXX overdraft fees. Now XXXX accounts have negative balances. I believe that this practice is unjust. I am attaching screenshots of Acct XXXX and Acct XXXX showing ( XXXX ) the debit memo, posted transactions and overdraft fees in Acct XXXX and ( XXXX ) the debit memo credit posted on Acct XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my last correspondence to you last XX/XX/2018 I disputed several items which are incorrect, inaccurate and violating FCRA. After more than 30 days, I do not believe that proper investigation took place as there are several violations visible of how the items where reported. Information showing the account was re-aged and missing information from the report. I disputed XXXX XXXX # XXXX, XXXX XXXX ref #  XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX   XXXX/XXXX XXXX # XXXX. All these account shows violation of FCRA. Some reports incorrect late payments, some have missing/incomplete information, others are re-aged and reporting misleading information such as creditor type and so on. This is my last resort before taking legal action. So I am giving you another 30 days to remove these items from my credit report. Attached with this complaint is a copy of the letter sent to you last XX/XX/XXXX and some info I found on my credit report that proves the violations.
Product: Checking or savings account

My account was randomly closed. Truest bank is claiming that it is due to an investigation for some sort of fraudulent activity, but they also stated that its because of new information from another financial institution, which I am not sure what this even means my entire account was frozen and closed. I have no way to get the funds. I just lost my job thats literally all I have. I need to be able to provide for me and my XXXX kids. I cant even get my XXXX  right now because they will not give me the money. Ive gone up to the branch. Ive called every single day many times a day. Its getting me nowhere. Im not understanding how they could do this to me and why none of this makes any sense.
Product: Debt collection

I received a letter from XXXX XXXX XXXX trying to collect roughly {$460.00} for creditor " binance.us ''. The letter appears legitimate. 

The letter reads as follows : " Your account has been places with our firm for collections. We previously sent you important information about your rights. Our request for payment does not deny your right to dispute the debt. 

The amount referenced is seriously past due. We would like to hear from you regarding how you intend to resolve the outstanding balance. Please contact us if you like to make a payment or if you need additional information. 

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' The account says I owe from a declined ACH Deposit however I went on my bank statements from said date XX/XX/2021, and there is no declined transactions on my bank statements. I opened the account with intent to use it, but never ended up using due to me using a different account on another app. However I never closed the account but did sign out shortly after. This has affected my credit score tremendously, when this wasnt my doing. I have proof to show it. 

I also went back into the account to look up previous pay request and history and put the date of said transaction and says theres no history.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me. I have contacted these companies several times as well as the bureaus to have them removed. These accounts do not belong to me 1 ) XXXX XXXX XXXX Opened XX/XX/XXXX {$27000.00} 2 ) XXXX XXXX XXXX XX/XX/XXXX {$19000.00} 3 ) XXXX XXXX XXXX XXXX XXXX {$66000.00} 4 ) Credit Inquiry on XX/XX/XXXX XXXX XXXX ( REMOVE because someone applied for credit in my name )
Product: Credit reporting or other personal consumer reports

This account was opened on the following date : XX/XX/XXXX There are no on time payments from XX/XX/XXXX to XX/XX/XXXX. This is inaccurate payment history reporting. I should have active payments XX/XX/XXXX to XXXX this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. XXXX XXXX and Experian failed to investigate this account properly after | repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Take a look at the attached documents. I request the bureau to begin an investigation into these accounts, despite my punctual payments, they are incorrectly reported as late.
Product: Debt collection

XXXX XXXX told me that I had a debt with them. I faxed a letter to XXXX, as the CFPB directed to ask for clarification. I did this on XX/XX/2018. I have still not received a written notice of clarification. So, I assumed that the debit was invalid. I was then contacted by a collection service ( XXXX XXXX XXXX XXXX ) trying to collect the debit, on XX/XX/2018. XXXX had still not provided me with a written clarification of the debt. The CFPB website stated that if they tried to seek judgment for payment of the debt without first providing written verification, they would be in violation of the Fair Debt Collection Practices Act. 
Now, I have been contracted by a second collection service ( XXXX, XXXX ). I sent them the information about the lack of clarification on the debt by XXXX. I then received a letter from them saying that they had determined that the dispute was not valid. They also send me another copy of the bill. The State of California currently has enhanced debt collection laws intended to provide protections beyond what is currently required by the Federal Fair Debt Collection Practices Act. Senate Bill No. 233 states, A debt buyer shall not make any written statement to a debtor in an attempt to collect a consumer debt unless the debt buyer has access to a copy of a contract or other document evidencing the debtors agreement to the debt. Neither XXXX or XXXX has provided with this verification, which I first asked for in XXXX, filed on XX/XX/2018.
Product: Credit card

I applied for XXXX  credit card and XXXX around the same time. The XXXX card never came in the mail as stated. There were several charges made without my consent. I advised the company of this and they removed half of the charges but left the others on there and they reported negatively for months and charged off the account causing this to decrease my credit score.
Product: Checking or savings account

On XX/XX/XXXX and XXXX, Citibank reversed two transactions on {$100.00} and {$39.00} when the customer service call was to reverse all transactions to XXXX XXXX. Attached screenshot indicates 7 transactions : XXXX - XX/XX/13. Citibank answered two calls with the customer on the phone for over 2 hours yet they have not completed the required transactions. 

This is happening multiple times leading to issues on the account and the use of the bank for other services.
Product: Credit reporting or other personal consumer reports

I notice unauthorized inquires on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

- 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: Credit reporting or other personal consumer reports

FCRA Violations in This Report : 1. Future Reporting Date Last Reported Date : XX/XX/year> Reporting a date that is in the future violates the FCRAs accuracy requirements under Section 607 ( b ). All information on a credit report must be current and accurate. Future dates create false or misleading data.

2. Collection Charge-Off and Amount Past Due Conflict The account shows a Collection Chargeoff status with an Amount Past Due of {$1000.00}.

Once an account is charged off, the original creditor has written off the debt for accounting purposes. Reporting the account as both charged off and past due can mislead and inaccurately reflect the debts status.

Under Section 623 ( a ) ( 1 ), furnishers must ensure the information they report is accurate and consistent.

3. Inconsistent Balance Reporting Balance : {$1000.00} Highest Balance : {$1000.00} The slight discrepancy between the balance and highest balance could indicate reporting errors or outdated information. Furnishers are obligated under the FCRA to keep balances up-to-date and free of inaccuracies.

4. Consumer Dispute Acknowledgment The Remarks state : Account information disputed by consumer, meets FCRA requirements.

Under Section 611, if you dispute an account, the credit bureau and furnisher must investigate and correct or delete any unverifiable information within 30 days. If errors remain after a dispute, this indicates a failure to fulfill dispute obligations.

Key FCRA Violations Identified : 1. Reporting Inaccurate Dates ( Future reporting date violates Section 607 ( b ) ).

2. Misrepresentation of Charge-Off Status ( Conflict between charge-off and past due ).

3. Balance Discrepancy ( Inconsistent reporting between current and highest balance ).

4. Improper Handling of Consumer Disputes ( Dispute remains unresolved despite being acknowledged ).

My consumer rights are clearly being violated and has been a recurring issue when attempting to correct this. If account can not be reported accurately, it must be deleted or Ill be forced to take legal actions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate : XXXX, XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 alleged fraud or extortion. 

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: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX and I have a dispute with Conns XXXX XXXX they have XXXX dollars on my credit report and I did not charge anything for that amount and it is on my credit when I was in XXXX XXXX La I had a house fire at XXXX XXXX XXXX XXXX XXXX LA and I did not have no uitilites and no water on at the house. I was working on the repairs to the house but since then I had a XXXX on XX/XX/XXXX, XXXX and I was in a XXXX for XXXX weeks I ended in a Nursing Home by my daughter and I was going back and forth to the hosipitals in XXXX XXXX I ended up with my sister in law XXXX XXXX XXXX XX/XX/XXXX and from there I went to XXXX XXXX XXXX XXXX XX/XX/XXXX and was put on XXXX now and still lives in XXXX XXXX la XXXX and still on XXXX and I did not do no charges on my credit report please investigate please XXXX XXXX XXXX
Product: Credit card or prepaid card

Order # XXXX. Purchased a XXXX XXXX XXXX in the amount of {$1200.00} on XX/XX/2023 from BestBuy online using my XXXX XXXX  credit card. On XX/XX/2023, instead of the XXXX XXXX, a XXXX XXXX XXXX cellphone was delivered from BestBuy. I got return authorization and returned the cellphone which was shipped back through XXXX on XX/XX/2023. The return was received on XX/XX/XXXX and a refund confirmation/ refund receipt were sent to me on XX/XX/2023. The return credit was pending in my credit card account for about a week but never finalized and I never received the credit to my account. I ended up opening a dispute with XXXX XXXX  and receiving a provisional credit. 

After about two months the credit was reversed, because the merchant responded saying they received the wrong item, completely ignoring that I had received the wrong item and that was the reason for the return. I had submitted all documentation of the return tracking, the return receipt, picture of the item I received, etc. By allowing this charge to stand on my account, the credit card company is causing me financial harm by ignoring all common sense/evidence because the merchant simply " responded '', even though the response is not fitting or relevant.
Product: Student loan

Aidvantage, has not allowed me to make a payment for the last XXXX   XXXX  - i have diligently paid my due amount and receive a confirmation XXXX stating a payment has been scheduled, just to find out XXXX  later the company has reversed the payment without explanation. I am making payments from the same and only account i've ever used for this payment XXXX XXXX XXXX, never had an issue with this until recently. 

I have tried to get ahold of them but each time i call, i am on hold for XXXX XXXX or more without anyone assisting me. It should not be this difficult to accept a payment from borrowers, or simply have enough customer service reps available. 

After a brief online search, it seems there are XXXX  others experiencing the same difficulties with this debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

My loan balances remain at {$0.00}, but not reflected on the credit agencies. Despite multiple attempts, Nelnet has not updated my credit report since XX/XX/year>. Despite providing evidence and submitting disputes with the credit agencies, Nelnet reaffirm the reported balances to each agency. The mortgage letter I submitted as evidence did not have the desired impact. When contacting Nelnet about the balances, who confirmed with me a XXXX balance, I was also informed that balances are updated monthly, despite the evidence to the contrary. I requested a copy of the information used to justify the reported balance with the credit agencies, which they are required to provide, but was only directed to download my mortgage letter and provided with no further details or timeline for the update.The mortgage letter provided no benefit in advancing my case, The credit agencies did not take that evidence into serious consideration when they should have as it is a document from the lender.
Product: Checking or savings account

I emailed the XXXX of the bank, expressing the problem, they emailed me back saying that they will try to resolve the issue, but there is no guarantee that it will not be happening again. I'm the one always making those transactions, I never give any of my personal information out to anyone, and I have told them that, I don't know how many times. If this continues, I will leave the bank, and also why can't I apply for a credit card? I get denied everywhere.
Product: Debt collection

Jeferson Capital Systems XXXX XXXX XXXX XXXX XXXX MN XXXX Other credit reporting agencies have already deleted the unverified account because they couldnt produce any verifying documents that verifies the debt was mine according to the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Per the FCR as a federally protected consumer I am no opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or non-verbal per 15 USC 6802. 

I'm exercising my rights to Opt Out from consumer reporting. I've attempted to and was denied my federally protected rights per the Privacy Act of 1974. 

See attachment for further details on the creditor and account details.
Product: Mortgage

I received a notice from a new loan servicer XXXX XXXX XXXX XXXX ) from the previous loan servicer ( Veripro Solutions - from a XXXX XXXX XXXX  ) dated on XXXX. The new loan servicer is now telling me that I owe more than what I expected. Veripro 's notice, dated XXXX, stated that my current balance is {$44000.00} ; however, XXXX XXXX XXXX XXXX XXXX XXXX  states, in their Notice of Assignment of Servicing dated XXXX that I owe a Principal Balance of {$62000.00} plus {$42000.00} in accrued interest. When I inquired about this very large discrepancy, I was told that my partial payments to Veripro Solutions for the last 10 years were not covering the full mortgage payment including the interest and as such my total balance now is in the sum of XXXXXXXX Upon receiving a payment history from XXXX it was clear that payments were applied by using a negative amortization schedule. I was never informed by Veripro Solutions that this was the case. I do not have anything in writing, electronically or telephonically ever providing me this information. Furthermore, I did not find out that they stopped auto-withdrawing my payments beginning on XXXX XXXX  ( I was on automatic pay ) until XX/XX/XXXX. On or about that date ( when I received this notice ) and when I called Veripro to find out why they had stopped initiating withdrawals, they said it was because the agreement had ended. Once again I never received notice in any way to alert me of this. I find this situation I am in unfair and I am wondering what I can do as a recourse because XXXX is threatening me with foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, someone went online to XXXX, used my login, email, and password to purchase tickets under my name for an event Titled : XXXX XXXX at the Forum in XXXX. I have reported this loan to the company that this was sourced from called XXXX. 
They have not been cooperative and are telling me I am responsible for this loan even though I did not open this loan. They mentioned going to the police department to file a report, which I did and they have not been able to do anything to help my situation. This is identity theft and would like to find out who did this. XXXX states I am responsible for a {$750.00} loan. Please contact me for further information