23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I lease a lexxus I believe 2014, about 9 years ago. At the time I right before I return the car. I spoke with a repesentative ( a Few ) which they all gave me different quotes on what was due. First person I spoke to told me didn't owe anything on the lease. So I thought I was done. for a total of year or two it went from not owing the company from XXXX XXXX XXXX. I was frustrated with all the different customer service and no one putting notes in.. Until one person finding the true amount. When I did agree to pay that amount they two came with this crazy amount. Now I am receiving calls and letters from debt collectors. I will not pay a fee that I know I don't owe. I'm am very dissatisfied with this company. Please be careful when it comes to leasing from XXXX. You have to pay extra fees, taxes that they are liable for, but at the end of your lease you will be charge outrageous cleaning fees,. I will never lease nor buy from their company.
Product: Debt collection

I recently discovered the alleged debts being reported on my credit report from this company. As I did n't recognize the debt I mailed this company a request for validation. The company has not provided me with validation and continues to report the accounts on my credit report still.
Product: Mortgage

My loan was assumed by XXXX in XX/XX/2023, it was in the rears at that time. I was already pre approved for assistance at that time with the previous servicer just pending paperwork. I turned in all documentation requested and thought everything was fine. Then I started receiving letters, calls, and emails, the representatives were so rude and nasty to me. I was told that if I couldn't afford the home I should get out, don't worry we'll foreclose and you won't have a mortgage to be troubled with, I was even told that they didn't have loss mitigation assistance but they did they wouldn't offer it to me. Just today XXXX XXXX I was told its not their fault I'm broke, I've been living here for free, the collections manager said he's paid by the hour and his rent isn't behide.
Product: Student loan

I was enrolled at the XXXX XXXX XXXX from XXXX XXXX to XXXX XXXX. I 've filed for loan forgiveness with the U.S. Department of Education. Not only did I have federal Loans but I also had private loans with Genesis Lending which I have since paid off. I was doing additional research on your website and located the page the discussed CFPB is seeking redress for all the private student loans made since XXXX XXXX, XXXX, including those that have been paid off. I am reaching out to see if I am eligible for reimbursement.
Product: Student loan

I was unemployed during this summer due to studying for my bar exam. I explained my situation to Discover who offered no help. Their response was to ask me to make a payment of $ XXXX {$300.00}. When I again explained to them that I was unemployed and had no income at the moment they told me they had no other options to help me during this time. I was unable to make payments through the months of XXXX. Discover went to my co-signers who did eventually pay the amount. However, I was still marked as delinquent. I did not authorize the payment nor did I make the payment and I am still being penalized and my credit is being negatively affected. I am now in a position to make smaller payments and have signed up for a payment plan. However, based on when I was enrolled, Discover still reported delinquency for the month of XXXX despite me not making a payment yet and being enrolled in a plan. I now have four delinquent account notices on my credit report due to Discover filing with the credit agencies despite the amount being fully paid and being enrolled in a payment plan. After speaking with Discover they refuse to remove the delinquent notices. This practice is both unfair and unethical and has severely negatively impacted my credit score to no fault of my own. This student loan company does not care about it's borrowers nor do they care about finding a resolution for all parties involved. They engage in predatory practices, including harassment and unethical business practices. Avoid at all costs.
Product: Debt collection

I have attached explanation in the requested attachment box. I was not notified, instead I was being spammed by this company without knowledge of who they were representing, due without notice of account being pushed into collections, knowing that I have closed off this account with property manager. They did not conduct a final walk through or mention one following the closure of the account. I have relevant pictures and information that I have gathered to dispute this claim that has been reported to my credit bureaus. I am in the process of contacting the Tennessee Department of insurance and XXXX XXXX XXXX as well. XXXX XXXX in XXXX, TN, has awful reviews in the XXXX  website community, due to these same reasons and accusations.
Product: Prepaid card

On XXXX/XXXX/2016 I closed my prepaid card that I had deposited XXXX XXXX dollars with Capital One. I got an email later saying I had to make a payment so I called. I have a transcript of the phone conversation with the Capital One Rep. He told me I had to pay an additional {$150.00} that was still on the balance to close the card. I did so online XXXX/XXXX/2016. My bank statement shows capital one withdrew the money on XXXX/XXXX/2016. The Rep said all would be good. 
Today I recieved an email from Capital One saying I need to make a payment on the card for {$68.00}. Please help me with this company.
Product: Checking or savings account

Dear Sir/Madam, On XX/XX/year> I was a victim of fraud. A travel agent purchased a ticket for me in XXXX XXXX, his number XXXX. I paid him via XXXX. Few days later he voided the ticket, so I lost the amount of {$900.00}. I paid him and I am stuck without a ticket. My bank in Wells Fargo and I have filed a complaint with XXXX with no response so far. The money was sent to air travel XXXX. The name is XXXX XXXX. I would love to either get my money back or a replacement ticket, This is the latest fraud/scam that I was unaware of. Can somebody please look into this matter to help me further? Thank you so much,
Product: Debt collection

A medical debt that I legitimately owed was assigned to XXXX, XXXX, XXXX XXXX XXXX for collection. They reported on my credit report that I owed {$5700.00}. On XX/XX/XXXX, I paid off this balance. Instead of my credit report showing paid, XXXX, XXXX, XXXX XXXX XXXX is now reporting that I still owe over {$1800.00}. When I contacted them, the Rep claimed that the balance owed is interest that they charged.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX filed a dispute for XXXX XXXX The dispute was completed in less than 24hours in the middle of the night. This was not sent to the company to investigate. I disputed these items again in XX/XX/XXXX and was not notified of the investigation status and when I logged into the account the results did not match the findings. I submitted a dispute with CFPB on XX/XX/XXXX These accounts were reopened for a dispute without my knowledge or permission. I do not know the reasons provided to the companies for the disputes. There may have been additional information that could have been added to my next dispute, but the disputes were submitted without my knowledge to the credit card companies. This is not acceptable. The resolutions were to close the accounts do to Experian not properly investigating my disputes, not to reopen and submit their own dispute. 

Prior complaint XXXX On XX/XX/XXXX I disputed XXXX XXXX account due to reporting inaccurate information. This was added back to my credit report within 6 hours of me filing the report. It was not sent to the reporting agency for a proper investigation. Around XX/XX/XXXX I disputed bread card rewards, XXXX XXXX, and XXXX XXXX  account. These items were added back to my report noting the incorrect information will remain on my credit report. There was no documentation that these items were investigated or verified as accurate by the reporting agency. I was not provided an updated credit report. Experian is not properly investigating disputes. This should be grounds for a lawsuit. 

What would be a fair resolution to this issue? 
I would like these accounts removed because they were not disputed properly and blocked from being added back to my credit profile.
Product: Credit reporting

Date : XXXX/XXXX/XXXX To Whom It May Concern : TransUnion XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. And correct my personal information As you will see bellow, my correct identification information for your records : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been living here since XXXX/XXXX/XXXX Please update my personal number to my credit profile XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX this is an old address ADDRESS : XXXX XXXX XXXX XXXX, HOMESTEAD, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTED XXXX have also please delete not my address included the following minimum XXXX proofs of my current mailing address Sincerely, Name : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am disputing the validity of this debt, as the collection agency has failed to provide proper documentation proving I owe this amount. Under **15 U.S.C. 1692g** of the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request full validation of this debt.

Any continued attempts to collect or report this unverifiable debt constitute a **clear violation of federal law** and may result in legal action. I demand **immediate removal** of this account and a cease in all collection activities. Failure to comply will result in complaints filed with the **CFPB, FTC , and my State Attorney General**.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance  : {$3000.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$5300.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/, I was contacted by an individual claiming to sell pharmaceuticals. After placing an order, they stated the medicines could not be directly shipped to the USA. TwXXXX supposed logistics companies- XXXX and XXXX - then demanded additional shipping fees totaling {$45000.00}. 

Foolishly, between XX/XX/XXXX and XX/XX/XXXX I provided the funds as requested through a series of transactions via Zelle as well as other services - XXXX XXXX XXXX, XXXX and XXXX XXXX - not realizing I was being scammed. I maxed out my XXXX XXXX, XXXX, and XXXX XXXX credit cards taking cash advances to fund these accounts and send payments. 

In total, at least {$800.00} was withdrawn from my XXXX XXXX credit card, and {$5200.00} was ultimately sent through Zelle. The various crypto, XXXX and money transfer platforms were simply used as pass-through services to funnel money to the scammers ' accounts. 

I did authorize these transactions but Zelle failed to monitor and halt this unusual activity which emptied my retirement savings. I am requesting the full {$5200.00} be reimbursed and fraudulent charges reversed, along with an investigation into the lack of consumer safeguards. All supporting documentation is attached. Please help recover these devastating losses and hold the companies enabling them accountable.
Product: Debt collection

I sent two letters on two different occasions asking United Revenue Corp. to validate the debt that they claim I owe. The first response I received back from them showed a name and an amount that is all. To be  a valid verification the company needs to provide original documentation from the original company to show that this supposed debt is actually mine. Well, that is not a sufficient validation per the Fair And Accurate Credit Transaction Act that the debt collector sent back to me. They need to  accurately validate the debt or delete it from my credit report if they can not validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started seeing inaccuracies on my credit report with dates due to my bankruptcies that's not being reported correctly due to transunion depending on a third party for accurate reporting with is XXXX so I ask them to delete and they using the computer generated system to keep telling me it verified as accurate and i know its not true because i have the actual documents from my bankruptcy and two of the bankruptcy I never went to court for and its stopping me from buying a house and new car, because it's showing 3 instead of 1 that been discharged. XXXX took there inaccurate information off. 

Complaint is against Transunion XXXX XXXX XXXX XXXX pa XXXX Start of disputes started XXXX
Product: Mortgage

Company increased my escrow payment and did not notify me. They said this was because I was on paperless billing, which I never requested. On the XXXX month they did finally send me mail saying I was late on a payment, as my payments were not being applied properly because of the escrow increase. I called and immediately made the full escrow increase payment over the phone. They have still applied two payments as one payment from last month and are trying to bill me an additional payment instead of correcting the last payment. I have called twice and spoke to people and was told this would get adjusted, and any fees removed, but no adjustments have been made.
Product: Credit reporting or other personal consumer reports

This complaint is being brought against a debt collection agency called Columbia Debt Recovery. This complaint is a direct message and complaint to prompt the attention of CDR. The issue I am having with CDR is its failure to report complete and accurate information. I meticulously disputed XXXX items of information through XXXX, a consumer reporting agency on or about XXXX and in or around XX/XX/year> with an attached dispute letter and a consumer report showing highlighted items of information that needed attention. These disputes involved the disputing of the 'collections ' tradeline open date, date of last payment, and balance. The dispute reinvestigations were completed on or about XXXX and XXXX, but the result for the disputed items of information was " Remains '' indicating no changes were made to the inaccurate and incomplete items on the account. This outcome highlights a lack of reasonable investigation pursuant to 1681s-2b under the FCRA, where there is a 5-step procedural process when furnishers of information receive notice of disputes. In accordance with 1681i ( a ) ( 1 ) ( A ) under the FCRA, I needed only to 1. Notify the CRAs 2. dispute a specific item of information 3. Submit that item of information along with any supportive documentation. These steps trigger 1681s-2b ( FCRA ). Considering that the process was commenced twice and both investigation outcomes came back as " Remains '' highlights a failure to conduct a reasonable investigation that was " willful '' in nature. These failures violate 1681s-2b in which there is a private right of action to enforce under civil liability per 1681n for willful noncompliance under the FCRA. Columbia Debt Recovery is in violation of the Fair Credit Reporting Act which by default puts it in violation of the Fair Debt Collection Practices Act under 1692e and 1692f.
Product: Credit card

Someone on XX/XX/XXXX made a fraudulent purchase of {$440.00} on my account without my knowledge. I called CitiBank in XX/XX/XXXX to dispute these charges. On XX/XX/XXXX, I received paper work from CitiBank Security Operations ( phone # XXXX ) stating that I'm responsible for this transaction. CitiBank stated that in their report that the XXXX tracking # XXXX shipping address matches the billing address. Well, the shipping address DOESN'T match the billing address. This fraudulent purchase was signed by someone I DO NOT KNOW named XXXX, left with him at the front desk. 
I filed a police report with Reading Police Department XXXX with XXXX XXXX # XXXX Assignment # XXXX. 

CitiBank is stating I'm delinquent and I have a pass due bill while this is under investigation by CitiBank and to top it all off my Credit Score dropped 64 points. THIS IS NOT FAIR! It's XXXX .... 
Since XX/XX/XXXX I have been fighting this endless cause with no end in sight. This needs attention ASAP!!!! 
They should not be allowed to get away with this. I also closed my account XX/XX/XXXX.
Product: Debt collection

After XXXX employees hung up in my face on XX/XX/year>. I received a text message regarding an account that had been settled several years ago. I was attempting to assist my mother in setting a debt that ended up on my daughters credit report in which my daughter is not responsible for in which XXXX XXXX proceeded to tell me where my daughter was living. I was never provided a copy of the most recent lease that was signed by my mother as I requested for proof that my daughter was listed as an occupant.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Consumer Protection Rights On this day I contacted XXXX Fraud Division at ( XXXX ) XXXX on a recorded line and was informed of XXXX  XXXX accounts being blocked and reported as fraud. However XXXX XXXX as a creditor contacted XXXX to have them unblock the accounts placing item that was once Deleted by XXXX to reappear on my Credit Profile causing me XXXX XXXX and to be denied a home loan. 
XXXX XXXX Special Services also stated that as a Consumer I do infact have no rights with XXXX and that XXXX listens to the creditors because that's how XXXX makes there money by the creditors paying to use XXXX Services. 

I beg for help and protection against these creditors being allowed to maintain fraudulent information on consumers credit reports. As stated I've filed a Identity Theft Complaint and Numerous FTC and CFPB complaints which XXXX recommended inorder to have XXXX  XXXX items remov3d and blocked from accessing my report. 
I've complied with each step and need protection. Please contact me in writing. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

I'm a victim of identity theft and my file merged with someone else. I provided proof to chex systems but they refused to take it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Ss # XXXX XXXX : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I contacted XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXasked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible.

Thanks for your prompt attention to this matter,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy : Discharged CH-XXXX Equifax XXXX XXXX : XXXX XXXX   XXXX, XXXX XXXX Equifax XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX Equifax XXXX XXXX XXXX  : XXXX XXXX : XXXX, XXXX XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

AES/ XXXX XXXX XXXX XXXX is reporting five open accounts as closed to equifax credit bureau while reporting the same accounts as open to XXXX and XXXX XXXX I contacted the creditor regarding this matter but was not properly assisted. This erroneous reporting has greatly impacted my credit score and prevented me from retaining new lines of credit from other creditors.
Product: Vehicle loan or lease

This account was never late. Please ensure that all information is accurate. 


ALLY FINCL XXXX XX/XX/2013 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the credit bureaus because I have inaccurate accounts that are affecting my credit report.
Product: Debt collection

I have contacted this company on multiple occasions to directly dispute this account. The company failed to provide me with debt validation documents as requested via certified mail on XX/XX/2022. Prior to the collection account appending to my credit reports, the company had made no attempt to contact me to verify the account. 
I also have disputed this account XXXX through the credit bureaus yet it hasn't been removed even though Receivables Performance Management has not provided the credit bureaus with any documents velalidating ownership.

I've provided police reports citing identity theft but to no resolve. 
Since XXXX, I've also called the company to dispute the account but they repeatedly transfer me from department to department where no seems to know how to help. Lastly, I filed a dispute directly through their website and no one has reached out nor sent documents to validate this debt. 
As a consumer, this is just horrible. How can creditors just ruin your good name? No one seems to be able to help me yet the creditor keeps reporting this invalid account to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a loan with affirm XX/XX/2022. Affirm provided a loan verification letter which i submitted to the XXXX. XXXX did not update the credit file to reflect the loan was paid off and because of this, I was denied for my mortgage loan.