23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/23 I authorize payment of XXXX with Zwicker & Associates. But on that Friday they refused to except the payment amount I agreed to pay by XX/XX/23 It was supposed to come out from my bank. But that did not happen, I spoke to my bank and they couldn't see if a withdrawal was attempted. Later on ZWICKERPC.COM I tried to make that payment online, but on Zwicker payment system, I saw a different amount then what I agreed to and they also agreed. Now I see a amount around XXXX and this is a lot different from our agreement. I also have a letter from Zwicker saying that they are authorized to relive me of the decovery card dept ... .I feel that are committing astortion, and I know that is a crime.
Product: Vehicle loan or lease

Onemain financial XXXX location I do not have all the dates, but I have spoken to XXXX several times regarding this that when my loan was set up, I made sure to set up the payments for the XXXX and the XXXX of each month. She said from the beginning of the long that the payments have been late. I do not understand how because they were the ones that set it up so I have been charged interest in late payments regarding this loan since the beginning in XX/XX/year>. She continues to tell me that the payment is due at the first of each month that if it's not paid at the first of each month that I incurred late fees along with interest and I don't understand how that's fair to me. I have done several deferred payment 's trying to fix the issue, which of course puts the payment at the end of the loan so it's still me that is incurring the fees, not them. Also, my annual percentage rate on one paper says 25.94 % on the back of that same paper it says 25.00 % as an annual percentage rate so I need to know which one that they charge me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I have Fraudulent Hard Inquiry on my credit report. Someone applied to XXXX XXXX in order to get some goods or benefits or funds, I didnt apply for it. I enclosed in this letter an FTC report for all mentioned fraudulent inquiry and the copy of my ID. Here is the list of Fraudulent Hard Inquiry : XXXX XXXX XXXX  XX/XX/2021 It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. This inquiry is the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file. 
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE : XX/XX/XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE ARE NOT MY ADDRESEES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRY COMPANY UNRESPONSIVE COMPANY : XXXX ON XX/XX/2019
Product: Student loan

Hello, Im writing to express the difficult transition in the transfer of my private student loan from XXXX to FirstMark Services. I have been paying this account since XX/XX/XXXX, without falling behind on my payments. I had been using an online account to make these payments. As of XX/XX/XXXX my loan was no longer being serviced by XXXX, which I just found out XX/XX/XXXX and immediately paid the entire amount past due. 

During this transition I never spoke with either party that this was happening. Never receiving anything in the mail or by phone. I did search and find several emails from FirstMark services in my junk folder after I had discovered there was a transfer. The website I had been using to make payments ( XXXX ) has/had no messages informing me of this transition. I discovered what had transpired by contacting XXXX on the phone because I have been unable to make payments via website or automated phone system. When trying to make payments on the account it displayed there is no minimum payments due. I should have called sooner to investigate the disapearance of my loan, and for a few months I just assumed that I was ahead of my payment schedule which is why there was no minimum due. 

After calling around finding the new location of my loan I was informed that I was only days away from defaulting on a $ XXXX/month loan that I 've never missed payment on prior to this transition. 

I hope there is someway to fight the late payments filed to creditors since I work very hard to my debts and maintain a healthy credit score. Thank you for your time.
Product: Checking or savings account

Citizens bank has completely destroyed my credit as a second chance bank and completely made me lose all faith in the fiduciary obligation responsibility they pretend to have, they have throttled my account I tried to fix this through the bank but they totally deny any wrong doing so I ask for a thorough investigation into my complaint please see documents for dates I WOULD RATHER LET THEIR WORD TALK FOR ME!
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate items that are reporting on my credit report. i contacted these companies over 90 days ago and nothing has been resolved nor did i recieve any explanations.
Product: Student loan

I co-signed on my husband 's student loan with XXXX, when he graduated the loan was transferred to Firstmark Services. Since Firstmark Services has received our loan, we have had nothing but trouble. They tried to make us make a payment prior to the end of the 6 month grace period, they provided incorrect information to both me and my husband on separate calls. Furthermore, after my husband made a payment by phone in the amount required by the caller, I received collection calls stating that we still had a past due balance. After multiple requests for a break down of the payments, I still have not received such information. Now again, after making a payment, we logged into our account saying we have a past due balance. 

We enrolled in interest only payments in XXXX, but have consistently received statements requiring principal and interest payments. Based on our XXXX statement, interest only payments should be around {$170.00} ( give or take a dollar or so ), but the current amount due shows {$280.00}.

Loan 1 Principal Balance {$15000.00} Interest Rate 11.49 % Daily Interest {$4.00} XXXX Daily Interest * 30 Days in the billing cycle = {$140.00} Loan 2 Principal Balance {$2900.00} Interest Rate 9.44 % Daily Interest {$0.00} XXXX daily interest * 30 Days in the billing cycle = XXXX  Total Interest Only Payment for Loans 1 & 2 = {$170.00} This company violates the UDAAP by not producing the documentation to support the payments they are requiring and demanding more than what should be due. Looking at the XXXX reviews, I can see this is common practice with this company. I feel as though they are taking advantage of their customers. If we weren't so thorough with our bills, their deceptive acts would have caused us to over pay twice since XXXX. My husband and I just had a baby and are not made out of money, their abusive acts could have caused substantial injury in our lives. Please feel free to contact myself or my husband if you require further details regarding my complaints.
Product: Credit reporting or other personal consumer reports

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

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Debt collection

In XXXX of 2015, i went on line to apply for a loan. I put in all my personal information for the loan. Before finalizing it showed my interest would be somewhere between XXXX and XXXX percent, so i declined. Within days I received letters from National Credit Adjusters saying i took out three loans on the same day for the amount {$520.00}, {$520.00} and {$650.00}. The letter said they were representing XXXX XXXX with the original creditor being XXXX XXXX. All this happened within days. It was clear when I received the letters this was a scam. ( They reported to credit bureau the loan was opened on XX/XX/2015 and I received a collection notice XX/XX/2015. ) After several attempts in XX/XX/2015 calling the number on the letters and getting a voicemail, I finally reached someone. The representative that answered would not hear what I had to say and told me that I processed a loan_and hung up. This has been on my credit report for over two years. But I refuse to pay a debt i don't owe. National Credit Adjusters will not_ because they can not_ produce anything to show there was money sent to me. I have researched this company and found its happened to others.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX USED CAR CEN - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX
Product: Debt collection

Convergent outsourcing has tried contacting me to collect {$710.00} they claim I owe to XXXX. I have expressed to them in the past I do not wish to be contacted with this matter and my willingness to pay for a deletion off my credit report. Harassing phone calls have taken place at my place of employment after expressing I do not wish to be contacted, much less at work after hours. Not sure how they got my work number, but I no longer wish to be contacted and demand my account be removed and deleted from report for the pain and suffering this has caused in my place of employment. If Convergent Outsourcing Inc. continues this action I will be filing disputes, complaints with XXXX, Federal Trade Commission, and XXXX XXXX office ( attorney general ). Their collection practices are illegal and unethical!
Product: Credit reporting or other personal consumer reports

I having been asking TransUnion to update my credit score and student loans in XX/XX/2024 I send them account of all the student loans that the Biden Program paid for me. I also ask them to update my credit score because the other two credit bureaus did its. Today XX/XX/2024 I spent two hours on the phone with conversation and using their XXXX XXXX giving each of their representatives my personal information for them to only send me to another representative who ask me to again give my information, they just try to sell their products. They each send me to another person. So now I am seeking your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Delete this account. 
3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please UPDATE my current address on my credit reporting to : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX AND please REMOVE ANY previous addresses like : XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX, XXXX XXXX OR XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, shows me owening a debt to XXXX, XXXX, debt is not mind, I have contacted XXXX which states that I DO NOT OWE them a debt. Upon Contacting Transunion, They state that another company has filed on XXXX XXXX behalf.
Product: Debt collection

On XXXX2017 I received a letter from southwest credit stating a debt of {$170.00}, I then had 30 days to dispute the debt in which I did. I sent a certified letter via USPS on XX/XX/XXXX along with a debt validation letter. On XX/XX/XXXX my credit report then reported a debt of {$170.00} and I received a letter from southwest with a copy of a cable bill on XX/XX/XXXX. This violates FCRA guidelines, for record this transmittal has been screen shot and will be submitted to my attorney as well as fox5 for deceptive credit practices.
I have no business or relationship dealings with Southwest and have no signed agreement or contract with this company.
Product: Credit reporting or other personal consumer reports

These companies pulled and ran my credit without authorization. I have 4 fraudulent Hard inquiries on my transunion credit report on XX/XX/2022 from : 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 card

Wells Fargo My mortgage company XXXX XXXX had a data breach in XXXX. I was sent a letter in XXXX about the incident. My mortgage company is a sister-company. My name, social, and personal information was affected. 
We happened to receive a statement saying that I owed {$4900.00}. We called on XX/XX/2024, reporting that we did not make those charges. They had said that someone had called, and stated that they lost the cards and that they needed new cards sent to them. The company issued a new card to this person. The card number ending in XXXX is the card that we do not have, but the fraud holder does. I did not receive any notice that they were issuing new cards to anyone. Wells Fargo said they were going to do an investigation. Two weeks later, I got a letter saying that I was responsible for the charges. I called them and opened up a new inquiry. I sent my drivers license and documents that they sent me to fill out on XX/XX/XXXX. I am waiting to hear their results. 
On XX/XX/XXXX, I received a new statement with the amount still on it, however they moved the charges from the fraudulent card to my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 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 I did not authorize those employed by these companies to inquire and view my credit report. In addition, I did not give you ( XXXX XXXX, XXXX, Equifax ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/2024 I was sent an email stating that a judgement has been won against me and that this was my last chance to avoid garnishment. In that email the options presented were to pay a lump sum that day, or half of the lumps sum that day. In the email it gave the options XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from Midland Credit Management on XX/XX/2020 attempting to collect payment on a debt it identified as XXXX XXXX XXXX. I sent a letter ( attached ) asking Midland to provide certain documents and to validate the debt. In the letter, I ask that the materials be provided before I engage in further discussions about the debt According to the return receipt ( attached ), Midland received the letter on XX/XX/2020. I have not received any of the requested materials since sending the letter. However, on XX/XX/2020, I received a call from Midland and the gentleman advised that he was a debt collector and this was an attempt to collect a debt. I advised him that I sent a validation letter and had not yet received the requested materials. He simply kept replying " What letter? What kind of letter? '' At which point I ended the call. 

The Fair Debt Collection Practices Act provides that if I dispute the debt within 30 days of receiving the initial letter, and I did, that the collector stop collection efforts unless and until they provide documents validating the debt. Midland violated the FDCP in this instance and should be dealt with accordingly.
Product: Debt collection

LVNV funding, LLC filed a claim, commercial cause No. XXXX on the XXXX day of XX/XX/2022. 

No consent was given to the above cause No. 

Documents presented by LVNV failed to provide a valid contractual agreement under commercial law. 
There were no offers or acceptances authorized by my official indorsement to LVNV as the Oblige/payee. 
Bill of Sales, with valuable considerations were not obtained in good faith. 
This is fraudulent misrepresentation and in violation of 18 USC Sect. 1025 FALSE PRETENSES ON HIGH SEAS AND OTHER WATERS.
Product: Credit card or prepaid card

Made a purchase on the Synchrony Bank with a merchant for some auto parts, after the merchant failed to deliver the parts as promised, I cancelled the order and notified Synchrony Bank to which they placed the item in dispute.

The merchant then sent parts, the wrong parts of course and stated he sent them, told the merchant the order had been cancelled, they were the wrong parts and I purchased the parts directly from the dealer.

Synchrony bank returned the money to the merchant despite the merchant admitting he got the parts back and said he would refund the money that day and he did not and clearly never intended to do so.

Synchrony Bank incorrectly refunded the money to the merchant and is penalizing the me the customer despite the facts that the merchant sent the wrong parts AFTER they were cancelled and got the parts back.
Product: Credit card

I opened this account in XXXX, transferred a balance of {$1300.00}. 
I chose paperless statements and pay the card monthly by transferring funds from my checking account to the credit card. 
I just checked a statement, out of curiosity, and the {$1300.00} balance has not been credited since I opened the account over 8 years ago. 
When paying the card, there is no choice as to how the payment is credited, and this balance remains the same, after 8 years of payments. 
Is this legal? 
I have been paying an average of {$25.00} per month on this balance for over 8 years. {$2400.00} - and the balance is still {$1300.00}. 
I want this explained, because the customer service representative kept saying this balance has to be paid " in full '' or not at all! 
I would also like to mention that this balance is hidden on the last page. 
I was so mad, I closed the account!!!