23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I used to live at XXXX XXXX  XXXX  XXXX XXXX in XXXX XXXX, California. I noticed that the lease that was available on XXXX, the website that this company uses to sign leases, was signed several days after I moved in. I know that I did not sign this lease as I signed a lease prior to moving in and the lease available online is not the same lease as the one that I did sign. The IP address associated with my signature and my cosigner 's signature matches the IP address of XXXX XXXX, who works at XXXX XXXX  XXXX XXXX XXXX. 

XXXX XXXX XXXX  XXXX XXXX are now saying the I violated this lease after moving out and saying the I owe {$20000.00}, even though I did not sign this lease. They have reported this to IQ data International, a collections agency, which is now requesting that I pay them {$22000.00}. I never signed this lease, my signature was forged on this lease by XXXX XXXX, therefore, I am not responsible for paying this amount. 

I have also sent a letter disputing this debt to IQ data international, I still have not received any response or documents from IQ Data International that validate this debt. 

To prove that I did not sign this lease, I have attached the lease that is available on on-site.com, that includes my forged signature ( XXXX  ), so you can see the IP address of the signatures. I have also attached a summary of a form signed through XXXX  ( Summary.pdf ) that has my IP address, my cosigner 's IP address, and XXXX XXXX 's IP address listed. You can compare the two documents and see that XXXX XXXX 's IP Address matches the IP address used to forge my signature and my cosigner 's signature. While my IP address and my cosigner 's IP address are not found anywhere on this lease. In addition to that, the lease with my forged signature was signed on XX/XX/2020. I, however, moved in on XX/XX/2020 and I had signed the lease prior to moving in. You can see in the third document that I have attached ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ), the email I received from XXXX XXXX, confirming that the original lease that I signed was signed by all parties and completed on XX/XX/2020, 2 days before my signature was forged onto to this new lease. 

Furthermore, I am unable to obtain a copy of the original lease that I did sign prior to moving in, since the original lease was removed from XXXX and replaced with this new lease that I did not sign. XXXX has access to this lease and will need to be contacted to retrieve a copy, they have refused to send me a copy, therefore, I am unable to provide a copy.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history with 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 my 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 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. 


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: Money transfer, virtual currency, or money service

Usage of Zelle did not disclose that money would be immediately withdrawn from my account with no process to recover funds.
Product: Credit card

I used my Truist credit card in XX/XX/XXXX in XXXX and never used it again after that. On XX/XX/XXXX Truist notified me of two suspected fraudulent charges on my credit card. I replied the same day, confirming they were fraudulent. I attempted to call the number at Truist several times, but they did not answer that number. Since then I have been to my local Truist Bank four times, and the employees there have spent at least 3 hours trying to resolve this issue. 
Truist now says I owe them {$200.00} for fees and interest on the credit card because of these fraudulent charges, and have caused my credit score to be reduced from XXXX in XX/XX/XXXX when I started with Truist, to XXXX today.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXXXXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

During COVID XXXX of 2020 we were told that there was a 6 month relief period. Since then our balance doesnt make sense, we went to Wells Fargo XXXX discuss and the banker couldnt explain the discrepancy to us. Now there is information on a second mortgage which we didnt agree on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax are furnishing inaccurate information on my credit report Ive never gave my consent to any of this information that is reported due to 15 USC 1681i A Equifax did a investigation on the information & still havent deleted the information that not my accurate information The 3 names reporting on my Equifax report is inaccurate & must be deleted Address are reporting to my account where I have never lived XXXX XXXX XXXX XXXX loan the account is inaccurate & missing information that its paid in full XX/XX/202XXXX XXXX XXXX XXXXXXXX XXXX is a account that should be deleted I never gave my consent to this information or this account at all If the information is inaccurate I demand that Equifax deleted the inaccurate information from my account thats discrimination
Product: Mortgage

We originally had a mortgage with XXXX XXXX. After COVID19 we did a forbearance with XXXX XXXX. 
It was then sold to Roundpoint. While with Roundpoint we did a forbearance due to COVID19 with them. We never signed any paperwork like we did with XXXX XXXX for the forbearance. Our Mortgage has now been sold to XXXX. 
After the loan was sold to XXXX, we learned that Roundpoint did a loan modification. I never signed any paperwork with Roundpoint approving this loan modification. My loan is now more than what I paid for the house in 2017. I have been trying for almost a year now to reach someone at Roundpoint for paperwork about this Loan modification and no one will return my calls or answer me. I am needing help and I don't know where to turn! 
Because of this loan modification they did I am stuck with PMI on my house that we should of been able to have removed by now. 
Can someone please help me or please tell me who I should reach out to. 

I do not know what paperwork or forms you would need from us but if someone could reach out to me I will be happy to send you what I have. Again, I have our forbearance papers from XXXX XXXX but nothing from Roundpoint other than our statements.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH 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 my 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 60 days 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. CREDIT ONE BANK NA 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 XXXX
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason I already submitted the requirements but still, they decided to close my account and hold my funds this is my email address XXXX which was registered from Paypal.
Product: Credit reporting or other personal consumer reports

I reviewed my credit reports and noticed there was fraudulent activity. Here is the unauthorized accounts : XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX - XXXX XXXX - XXXX ACCT BALANCE {$150.00} Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with Maximum Accuracy. I have reached out to this creditor and theyve all said they dont even recognize my information given in their system and that theyll remove the credit lines off my report but they still there. This all is a violation of the Fair Credit Reporting Act, and any item appearing on my credit report that has no proper verification or evidence provided to me alleging these accounts belong to me, is illegal. I am enforcing credit laws 605B and 1681B, do your due diligence, send debt validation with original docs of agreement with identity proof that " that was me. So in the end, y'all can remove these fraudulent accounts.
Product: Checking or savings account

Please help me write a formal complaint against a horrible injustice that occurred to me at my bank today, XX/XX/year> at the drive thru at XXXX XXXX  I went to the drive through to deposit {$620.00} when the atm machine malfunctioned and gave me an error then shut down. I waited to see if the machine would be back in service and called U.S. Bank to inform them of what occurred. I was then told that I would have to file a dispute and wait 10 days to see the status but the dispute could take up to 45 days to get resolved. I informed the rep that this would not be acceptable because my electric bill was scheduled to be disconnected tomorrow if they didnt receive payment. They said they were sorry about the inconvenience but there was nothing they could do. I asked to speak to a manager who took absolutely no accountability for what had happened because the atm belonged to U.S. Bank and he was not the owner he was very rude and did not seem to care about the predicament I was in. I had the manager named XXXX from the atm dispute department on the line and I asked him who I could complain to regarding his terrible customer service. he then stated that he answered to no one and he was the last person I could speak to. I then proceeded to ask him to file the dispute and he asked me for the atm receipt. I told him the atm did not give me a receipt. He then told me that there was no dispute that could be made on my behalf and that there was nothing I could do. At that point, I went into the branch and asked for a manager to help me with this call. XXXX, the atm dispute manager, stated that he never told me that once I had the manager there to listen in. I spent 3 hours trying to get this resolved and finally got a dispute filed. The problem is that now my electric bill payment and my other bills will be nsf and my electric bill will be disconnected. I asked if they could write letters on my behalf and I was told they do not speak to third parties. There was a woman who had just deposited over {$2300.00} for rent who the atm also took her money. She also did not get a receipt but was able to file a dispute much more easily. I have been very upset and spent quite a few of my work hours tending to this issue. I am a XXXX family and we live check to check so this is not something we could easily move on from. We did not get a provisional credit despite our great prior relationship with this bank. Weve been customers for almost 30 years. This has been a nightmare! I would highly urge everyone consider banking elsewhere but at the very least not to ever make a cash deposit at their atm. There was no accountability and no appropriate resolution and no accountability for the terrible customer service from the manager
Product: Credit reporting or other personal consumer reports

Experian havent updated. UPDATED MY CREDIT REPORT SINCE XX/XX/year>. I have spoken to several workers at Experian and no one seem to update my report. I cant apply for anything because its outdated and its now almost 2 years I need to report updated asap
Product: Credit reporting

experian has energy bill on my credit report that doesnt belong to me that is paid with a late payment it is being reported as in a bankruptcy that i do not have it is just all incorrect it has stopped me from getting credit because it is reporting being settled in a bankruptcy and late. Also The bureaus are reporting my student loans as being paid late and i have never paid them late i have asked to be forwarded the proof of these late payments and have not received it. i have not paid these loans late. The bureaus have merged incorrect items on my files on XXXX other occasions and it has taken over XXXX years and i have still not gotten all of the items fixed yet i would like for them to take the energy bill off of my credit it is not mine, i have never had a bankruptcy or an energy bill in my name and remove either the closed student loans or update the late payments to the correct status. i know they can not send proof of these payments being late because i have never paid them late.
Product: Vehicle loan or lease

I explained to Santander Consumer USA that through an audit that I was requesting that they will find out ; 1 ) My application was manipulated. 2 ) I would like to see it. 3 ) The car sale was grossly inflated. 4 ) My credit score at the time was close to 700 and there was no need for me to even be affiliated with Santander. 5 ) I did not agree to a {$560.00} car payment. The salesperson said it wasn't the final paperwork. At the time I was XXXX  and by myself and believed that I was taken advantage of and was not aware that Santander was picked for my finance and what they represented. Santander Consumer USA repossessed the car and resold it making money. There is a balance of {$7800.00} that they continue to report charged-off monthly.
Product: Debt collection

We have received the derogatory public record of credit collection. Our credit is damaged by the bill that is in the disputed state. We have requested to put the bill in dispute state but the collection agency did not follow the regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my ID and SS Card that showcases my name, DOB & SSN. I requested that the credit bureaus update my name correctly as it was showing incorrect on my profile and remove multiple fraudulent accounts from my credit profile due to identity theft. The credit bureaus updated my name only and did not remove the fraudulent accounts and I provided them with police reports and identity theft reports from identitytheft.gov I have been trying to get this issue resolved for more than 6 months. They file disputes and then give the companies my current address and say they verified to be correct. The companies then send documents to me in the mail that has a different name XXXX XXXX. My name is not XXXX XXXX. My name is XXXX XXXX XXXX. XXXX XXXX XXXX has not contracts or accounts with any of these companies. I provided them with all documents. XXXX has corrected and blocked this information. 

XXXX will not remove the fraudulent names, addresses or accounts from credit file. 

Transunion removed the fraudulent names but will not remove the fraudulent accounts. 

They will not provide information to me on how they are verifying these accounts how are they submitting disputes on accounts with my name XXXX XXXX XXXX and the accounts coming back verified to a XXXX XXXX. These are two different individuals and is identity theft.
Product: Credit card or prepaid card

Best Buy Credit Card through CitiBank credit inquiries won't go away and are excessive in timing. Their cards are paid in full and they won't help in removing hard pulls because they insist they only do soft pulls. This is damaging my Equifax Report. Please help with removal. 

CITIBANK NA., BEST B Inquiry :XX/XX/XXXXCITIBANK NA., BEST B Inquiry :XX/XX/XXXX CITIBANK NA., BEST B Inquiry : XX/XX/XXXX
Product: Checking or savings account

So I had a problem with cash app I disputed some charges I didnt recognize nor I did so cash app close my account so I couldnt do anything so I deleted my account but I forgot to withdraw my money I have in there I tried making a new cash app account but couldnt because cash app doesnt let me due to me violating cash app terms. So when I contacted customer support I told them I needed help verifying my identity which they told me theyll contact me email which they havent. I need help withdrawing my money and verifying my identity so I can have my money transferred to my new account..
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 24 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. XXXX ) 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. 

XXXX  XXXX account with balance of {$340.00}. 
Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

The Motor Vehicle Administration ( MVA ) ( and the Central Collection Unit ( CCU ) ) for the State of Maryland has ignored the automatic stay order for my Chapter XXXX Bankruptcy. I notified both agencies of the filing and case information on more than one occasion. The CCU continues to collect the debt for Maryland Department of Motor Vehicle ( MVA ).
Product: Credit reporting or other personal consumer reports

Transunion- I called the customer service department and they did not help remove the negative inquires that is reporting to my credit report. 

XXXX inquiry date : XXXX XXXX credit acceptan inquiry date : XXXX XXXX acceptance inquiry date : XXXX XXXX. XXXX XXXX inquiry date : XXXX XXXX XXXX auto inquiry date : XXXX XXXXXXXX XXXX XXXXnquiry date : XXXX XXXX Financial inquiry XXXX XXXX. XXXX XXXX XXXX inquiry date : XXXX XXXX - XXXX called the customer service department and they did not help remove the negative inquires that is reporting to my credit report. 

XXXX credit inquiry date : XXXX XXXX XXXX inquiry date : XXXX XXXX. Ally financial inquiry date : XXXX XXXXXXXX XXXX XXXX XXXXquiry date : XXXX XXXX Portfolio inquiry date : XXXX XXXX XXXX of XXXX inquiry date : XXXX XXXX FIN # XXXX inquiry date : XXXX XXXXXXXX XXXX  Sales ( XXXX inquiry date : XXXX XXXX FIN XXXX inquiry date : XXXX XXXX XXXX XXXX inquiry date XXXX XXXX Tree XXXX XXXX inquiry date : : XXXX XXXX XXXX XXXX XXXXnquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX inquiry date : XXXX XXXX XXXX XXXX date : XXXX XXXX Store of XXXX XXXX XXXX : XXXX XXXX. Bank XXXX XXXX  inquiry date : XXXX
Product: Student loan

I applied for a switch to XXXX from the XXXX forbearance in XXXX and have not heard anything. I applied again in XXXX. I should have reached 120 payments in XXXX but because I am still on the XXXX program, 4 months are not counting. Additionally, because of the Mohelas platform switch, I do not have XXXX or XXXX counting on one of my loans ( weirdly both months count on my other loan ). Finally, I have a buyback request that I submitted on XX/XX/XXXX and have heard absolutely NOTHING. Not even an acknowledgment that they still have it outside of a reconsideration request number.
Product: Payday loan, title loan, or personal loan

opened a Citibank Checking plus account plus savings account back XX/XX/2021, with this checking account I qualified for an Overdraft line of credit, plus overdraft protection on both checking accounts I had opened once I've deposited {$1.00} which I deposited {$5.00}, the very last requirement was that I had to sign and return my signature verification forms for the Overdraft line of credit, I paid to fax that document to Citibank accounting department that same day, I've spoke with several different Citibank banks employees that verified thst i had completed all Citihank requirements to receive my Overdraft line of credit, Citibank bank still hasn't added my line of credit to my checking accounts, its caused a huge financial problems with my checking accounts and my other bank accounts have had returned checks.. over draft fees. Caused my bills I've paid to be returned, now I've been assest more fees. Citibank isn't helping fix their issue they caused my accounts to be in the negative. 
Citibank never gave my sign up bonus,, a {$1500.00} for new customer, they also failed to give my wife her {$100.00} referral bonus. Because of Citibank misleading me into thinking that my accounts are covered by my line of credit plus Overdraft protection that all of my transactions were covered. They even mailed me my check book with checks in it. Plus a debit card. Citibank had let every check I had to write go thru then they returned every check bouncing all of my accounts causing a huge huge mess. Now both banks are charging me for these bounced checks. I want this fix immediately this was their error not mine. I'm not going to be treated like I'm doing sometimes illegal. When this was all Citibanks illegal actions