23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX XXXX, I recently purchased a home at XXXX XXXX XXXX in XXXX XXXX, FL on XX/XX/2021. On XX/XX/2021 I agreed to purchase a water softener system for my home from XXXX XXXX XXXX and the loan would be financed for XXXX through Aqua Finance. According to my contract, my payments were supposed to be deferred to 3 months from the date of the contract ( XX/XX/2021 ). However, I received a call from Aqua finance and they stated that my first payment was due XX/XX/2021 and that I had incurred a XXXX dollar late fee. I called them back ( XXXX ) this afternoon and Spoke with XXXX. I explained to XXXX that I would not be paying the XXXX dollar fee and he agreed to waive it as a " one time courtesy '' but refused to change my payment date to the agreed upon date according to the contract. I asked XXXX to speak with his manager. I was then connected with XXXX the manager who explained to me once again they can waive the late fee this one time as a courtesy but, the latest they could make my due date is the XXXX not the XXXX. I explained that is not what the contract says and he said we are two separate companies and his system will not allow him to change it to anything past the XXXX. I live on a budget and I have budgeted to make this payment on the XXXX of every month like it was agreed upon in the contract. I have attached the contract as well as the statement they sent me in the mail saying I owed them XXXX dollars by XX/XX/XXXX. XXXX also explained to me he can not change my due date until I pay my already " overdue '' XXXX balance and he still will not change the date to the XXXX but, just the XXXX. I personally feel like I was swindled by this company and do not recommend anyone do business with them. I have never missed a payment on anything on my credit and now even though the company says they will not report the missed payment. How can I trust them when they can not even honor a contract. I understand Aqua Finance and XXXX are different companies but, they work hand in hand together and the contract should be honored.
Product: Credit reporting or other personal consumer reports

Someone got my information and when to the dealership and use my Social Security number to apply for a car and got a lot of inquires on my credit and the credit bureaus want remove them
Product: Debt collection

I tried to call pro collect about a debt and tried getting the amount I owed to some apartments back in XXXX  they claim they mailed me something but I never got none of their correspondence in the mail because I moved XXXX attempted to atleast settled but they claim they dont do settlements ..I never received a debt verification of any kind
Product: Credit card or prepaid card

Chase card increased my credit card rate to nearly 30 percent despite the fact that my FICO score is XXXX and I have never had a late payment. I called Chase and they refused to explain the rate or offer a lower rate.
Product: Debt collection

In 2019, I bounced a personal check from Credit Union in my BofA account. The reason I wrote it was cause my CU ATM was broken and I needed cash. 

I accidentally miscalculated and my check of {$200.00} bounced. I paid the debt and check systems shows as paid in full. 

BofA reported to XXXX as fraud activity! This has prevented me from opening a bank account ANYWHERE! 

It was an accident and not an act of fraudulent malice on my part. 

When I tried to deal with BofA they initially assured me that it will be take care and removed since it was paid in full. of etc. But ultimately refuse to remove it and respond with " we don't have to ''. 

I tried to dispute via XXXX but they state that BofA investigated and find it to be accurate. I don't understand what investigation of {$200.00} accidental bounced check that was paid in full was initiated, or how or what??? It makes no sense to me. 

Please help me BofA RTN # XXXX {$200.00} Paid in full
Product: Debt collection

In XX/XX/XXXX, I received a letter from XXXX attempting to collect a debt for PayPal. As I do not have any outstanding debts with PayPal, I sent a letter requesting validation. In return, I received a letter from PayPal stating that I opened an account under email address XXXX on XX/XX/XXXX. This is not nor has it ever been my email address. PayPal refuses to speak with me directly regarding this false debt because I " am not the owner '' since I can't log into the PayPal account. I can not do that, because I don't have access to an email address that isn't mine. I refuse to pay something that I legitimately do not owe and for them to contract a collection agency to add to my credit profile is damaging, to say the least. I'm not sure how this account was created and if it was whether it was created with my name ONLY, or with my SSN or bank information. I do not understand how I can be held liable for debts that I. Again, I can not obtain ANY of this information from PayPal even though this is supposedly my account.
Product: Money transfer, virtual currency, or money service

WISE.COM I was attracted to the service due to many good reviews and the " legit '' like website. Due to strong USD against XXXX and XXXX, i went ahead and open XXXX  XXXX, XXXX, and XXXX accounts with them and went and exchanged my hard earned USD into those currency as i was planning to travel to those countries. I also ordered Wise.com XXXX which never arrived and suddenly i found out today that my account has been deactivated! I probably had over $ XXXX USD in those foreign accounts. The only way to connect with them is via online and their website said 20 business days to get a reply!!!! 

PLEASE HELP!!
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. ACCOUNTS : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

This is regarding the issue in complaint XXXX submitted XX/XX/21 ( see multiple other complaints as this has been sold to multiple collections groups despite being incorrect ). 
It appears that the XXXX XXXX sold the debt, after accepting that it was not valid, to another group, ENHANCED RECOVERY CO L. Again, no one made any attempt to reach out to me, I discovered the fraudulent debt on XXXX report.
Product: Checking or savings account

I went to the Wells Fargo branch at XXXX XXXX XXXX in XXXX, Colorado in XXXX of 2017 and spoke to a banker by the name of XXXX. I explained to her that I needed to open a second checking account for the purpose of paying bills online, and she told me that an EasyPay account would be a good way to do that. When I began to use my EasyPay account to pay my bills in XX/XX/XXXX, I noticed that my payments were being reversed by Wells Fargo, despite having enough money to cover the payments in the account. I called Wells Fargo customer service on XX/XX/XXXX, 2017 to ask why my payments were being reversed, and the woman who took my call told me that my payees had released the funds for whatever reason, but they would be posting the transaction the next business day. I asked her if she was sure my payments were n't being reversed, and she said that she " sees this happen all the time when people pay their bills on the internet '', and not to worry.
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The next day, all of my bill payments had been officially reversed, resulting in late payments and fees on two of my credit cards, plus my car payment. I called customer service again, this time to complain to a supervisor, and I was told that my EasyPay account was not authorized for ACH withdrawals. I was very surprised, as the banker I had opened the account with at the branch had told me that this was exactly what people used this type of account for -- automated bill payments.
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I am extremely upset that Wells Fargo directed me toward this type of account as opposed to a regular checking account, despite me clearly stating to the banker what I intended to use it for. I am also upset that in my initial interaction with the customer service center, I was again mislead into believing that my bill payments were going to go through, and that I had nothing to worry about.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance {$240.00}
Product: Debt collection

In accordance with the Fair Credit Reporting act True Accord Corp has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my wet signature. 6. Please provide a complete account history, including any charges added for collection activity. My information was sold and bought illegally because I was a victim of the XXXX XXXX  data breach 15 U.S. Code 1681q - Obtaining information under false pretenses.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information contained in my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ). I recently obtained a copy of my credit report and noticed discrepancies that I believe violate the requirement for accuracy and integrity of consumer information. 


In accordance with the FCRA, I request that you investigate this matter and remove or correct the disputed information from my credit report. 

Please conduct your investigation within the XXXX timeframe required by the FCRA and provide me with written confirmation of the results. If you find that the information is indeed inaccurate, I request that you notify all appropriate parties of the correction. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for bankruptcy and filled but as I filled I paid off all things before submitting and they still said I went through bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up to check my credit score and found a ton of inquires on my report ( over 23!!! ) even though I didnt try to obtain credit in several months. I immediately placed a fraud alert on my credit file. Im guessing that this happened when I lost my wallet at the airport and then someone turned it in. Its quite possible that someone took pics or copied my information from my ID and Soc Sec card in my wallet before turning it in to lost and found. Please tell me what I need to do to verify it wasnt me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit sore is XXXX and I have one or 2 things in collection every time I run my credit or apply for something I get turned down They say because Derogatory inquiries in serious delinquency
Product: Credit card

I phoned Southwest Rapid Rewards credit card ( Chase credit card ) on XXXX XXXX XXXX XXXX XXXX XXXX to ask to close my credit card account. In both phone calls, the assistant indicated the card would be closed immediately. I continue to receive monthly statements indicating that I continue to have an available credit line of {$19000.00}. Worse yet, the statements include the full credit card number which facilitates identity theft and fraud.
Product: Debt collection

State collection services is trying to collect debts that are expired has the statue of limitations for the state of Wisconsin they are also reporting it to my credit agency and there are duplicate negative remarks are regarding the same account that should have been already dismissed from my viability of the debt due to the Wisconsin statute of limitations they are negatively impacting my credit score which is negatively impacting my life and my ability to get credit.
Product: Credit card

I paid XXXX to capital one credit card and they have my account on hold
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit inquires on my credit file that I do not recognize. I sent letters and emails to all the creditors listed below to have these inquires removed from my account. I have also disputed them through XXXX. These creditors have refused to work with me to resolve this issue and XXXX has not been able to help as well. I did not authorize or give permission for this creditors to pull my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 ) - Global Lending Service ( XX/XX/2021 ) - XXXX XXXX XXXX XXXXXX/XX/2021 )
Product: Credit reporting, credit repair services, or other personal consumer reports

after i filled a cfpd complaint # XXXX Your statement said that the account was closed and removed from my credit report yet it is still appearing on my credit report. please remove all negative remarks from my credit your statemtn said it was removed from my report in year 2021 thats two years ago and yet it still appears on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting and the following accounts below 15 U.S.C 1681 SECTION A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS XXXX XXXX XXXX {$270.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$4800.00} XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$370.00} XX/XX/XXXX XXXX {$280.00} XX/XX/XXXX XXXX- XXXX XXXX$450.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX  {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX  XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$89.00} XX/XX/XXXX XXXX XXXX {$160.00} XX/XX/XXXXXXXX XXXX XXXX  {$160.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found an account named XXXX XXXX on my credit reports that is a cause of IDentity Theft, I have supplied an Affidavit with exhibits explaining how this account violates my federal rights. You will also find an FTC report for the account. XXXX XXXX and Equifax are in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) 15 USC 1681a ( B ).

15 USC 1681b ( a ) ( 2 ) 15 USC 1681c-2 ( c ) ( 1 ) 15 USC 1681o ( a )
Product: Mortgage

had health issues and was forced to retire from self employment. Tried to get a HECM but was turned down due to foreclosure being filed. Contacted attorney to obtain reinstatement amount and received letter giving amount as {$40000.00} to reinstate. The amount of attorney fees seemed excessive since I had obtained a modification in late 2015. I filed a qualified written request asking for a breakdown of charges. The letter I received back broke down these charges and almost half are from before the previous modification. These charges should have been paid at that time, not now. I would like to have a new reinstatement amount showing valid reinstatement charges sent to me so I can proceed with a request for either a modification or HECM. 

All supporting documentation is attached.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 approximately XXXX, I went through the CHASE drive through to cash a check, consumer rights were denied by the President and bank manager, XXXX XXXX XXXX because I autographed the check XXXX XXXX, ALL RIGHTS RESERVED. Initially I was given the denial through a teller, then I decided to do into the bank, to gain clarity as to why they were refusing me services. I filmed using my cell phone for my own protection, and document purposes. I finally made it to the window and expressed my concerns and displeasure with the teller from the drive up window, when she told me I have to speak with Mr. XXXX, I explained to Mr. XXXX that he was attempting to clog my equitable rights, and prevent me from engaging in commerce. Mr. XXXX, then at that time slid my driver 's license and check, jumped up from his stool and said that he didn't want to be filmed. Mr. XXXX had several bank cameras in front of him and several behind him, which belong to Chase Bank, therefore I didn't understand. Mr. XXXX then threated me by saying that if I didn't leave, then he would call the police. Knowing the temperature at this time between civilians and police officers, I felt that Mr. XXXX was attempting to use the police officers as an attack dog or weapon against me. Since Mr. XXXX made the threat of calling law enforcement, I called them on myself in order to document the event. When the officers went into the bank, Mr. XXXX expressed that I could come back into the bank to have my check cashed under the conditions that I signed with just my signature, omitting XXXX XXXX ALL RIGHTS RESERVED and no recording. I refused and left the bank with the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  bank account should be removed has been on there for over seven years.
Product: Credit card or prepaid card

I have spoken with several representatives regards these matter and stated made changes. All charges removed were reapplied in a manner that is confusing. No one can explain. These charges were removed XXXX and last reapplied XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} ; XXXX XX/XX/2023.
Product: Debt collection

called debt collector XXXX about a account they are reporting on my 3 credit reports they advised me to contact the creditor which I did talked to XXXX in billing XXXX XXXX XXXX XXXX how advised me that there was no account with them for XXXX at any time XXXX called Americollect and talked to XXXX in there client services and she said the only bills with them equaled XXXX so I called back to Americollect and talked XXXX XXXX a supervisor in collections and asked for XXXX in client services and was told by XXXX no debtors are allowed to talk to client services unless you are a company they represent and she got very rude and annexes and said how could XXXX from XXXX  XXXX talk to XXXX when she was not in the office on his day. She proceeded to call me a liar. Then she stated I have 8 accounts with them there she said one is XXXX one for XXXX and one for a smaller amount of XXXX and 3 more that equal XXXX. XXXX XXXX is saying there is only one bill with them that equals XXXX have asked Americolled to send me written verification of the debits they are claiming I owe from XXXX XXXX with no response on several occasions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently viewed my credit report with Experian Credit reporting agency. There is one item from XXXX, which is not clear and inaccurate. It is listed as a loan from public education, but no payment or closing information is listed. It shows as open, with a balance, but nothing else. 
I have requested from Experian twice to investigate this entry. Both occasions the results came back as completed, but no information was changed. I am not sure what Experian is doing as investigation, or to remedy this entry 's correction. I suspect, I am only receiving an automated reply only, but no action was taken. 
I have attended an XXXX program in XXXX XXXX in Virginia and in Washington XXXX. I have graduated at XXXX XXXX XXXX XXXX in XXXX. I have my XXXX XXXX ever since. The College has not requested, nor notified me, about any outstanding payments or loan amount. To my knowledge, all dues were paid, which allowed my to graduate. I have not heard about this subject ever since. Nobody ever approached me, nor requested anything from me, about this balance listed on my credit report. Since this entry is dated in XXXX, I do not have any more recollection or documentation. 
The credit report shows the following info on my account : ( I also attached the page as a file to this request ) Account info Account nameU S DEPT OF ED Account XXXX Account typeEducation Responsibility Individual Date XXXX StatusOpen/Never late. Deferred, payments begin XX/XX/XXXX. 
Status updatedXXXX XXXXXXXX Balance {$2200.00} Balance updatedXXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$1500.00} Highest balance {$0.00} Terms NA Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit report XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to this privacy 15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit report as late for any purpose
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.