23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I made a payment of XXXX dollars through the XXXX XXXX affiliated with the America first credit union on XX/XX/scrub>XXXX XXXX XXXX The bank took my money but was not received or sent, giving a negative result from both banks. The data and numbers of the receiver were correct. Now no bank ( XXXX XXXX and XXXX XXXX ) is responsible for the loss of funds claiming that the counterparty is responsible and vice-versa generating multiple damages to me. I hope I have an early answer please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid the debt with the original credit with XXXX/XXXX  service. I paid in full and I reported this to the credit reporting companies. I am unable to provide to my family a home to live due to this continue reporting on my credit. I have ask several times and never the issue is been resolved. Equifax does not comply with my requests and is hurting my family and my personal credit at this point. I am requesting once again to please remove this collection that is paid off.
Product: Debt collection

I am requesting from XXXX and the collection agency the XXXXollowing.original Telecommunications Sales agreement with terms and conditions History of the account I want the History of the cellphone account.If possible I want the notes on the accountXXXX was suppose to credit my account This is why the account was not paid then closed charged offI dont want an itemized account statement.I want all the account statements the notes on the account and again the Original contract with terms and conditions I want the information requested this is real true debt verificationIm asking for this information to be sent asap Do the collection agency have the right to collect in this state.I have contacted the Attorney General in MD about this matter If they cant supply the info being requested.This needs to be deleted in 30 days This is clearly a violation of my rights as a US citizenThis is an clear violation of the FCRA and FDPA.I will be failing a federal lawsuit.I will pay the {$400.00} to file a lawsuit AGANIST XXXX and AmSher Collection Services
Product: Credit reporting or other personal consumer reports

My information was involved in a data breach from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have received a loan around XX/XX/XXXX. At a glance, it seemed to be nice deal upon the initial process, with promises of low interest, but after a couple months of having the loan, I have seen rates get higher. I was given multiple contracts to sign, which I now find suspicious. Ive also struggled with being able to pay online which is my preferred method of payment, but the website seems to often malfunction. There is often aggressive calls being made to make sure I pay on time as well. I have looked up my emails over my payments to the loan, and found I have paid well over the borrowed amount. The last time I was able to check my balance on the portal, I recall seeing I owed roughly the same I borrowed, a year after paying. Their website is constantly getting network errors preventing me from signing in as of XX/XX/XXXX. Below are the dates and amount paid through my emails. I rarely paid in person, so these are most of payments. I paid about once in person so it's probably a little higher than the shown amount. 


Payment Amount : {$440.00} Payment Date : XX/XX/XXXX Payment Amount : {$450.00} Payment Date : XX/XX/XXXX Payment Amount : {$440.00} Payment Date : XX/XX/XXXX Payment Amount : {$390.00} Payment Date : XX/XX/XXXX Payment Amount : {$390.00} Payment Date : XX/XX/XXXX Payment Amount : {$390.00} Payment Date : XX/XX/XXXX Payment Amount : {$400.00} Payment Date : XX/XX/XXXX Payment Amount : {$390.00} Payment Date : XX/XX/XXXX Payment Amount : {$470.00} Payment Date : XX/XX/XXXX Payment Amount : {$470.00} Payment Date : XX/XX/XXXX Payment Amount : {$470.00} Payment Date : XX/XX/XXXX Payment Amount : {$470.00} Payment Date : XX/XX/XXXX Payment Amount : {$470.00} Payment Date : XX/XX/XXXX Total Paid : {$5700.00} Initial Loan : Roughly {$3000.00} Last Checked Balance ( by memory ) : over {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$160.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.
Product: Mortgage

XX/XX/XXXX and XXXX  a via fax was sent to Ocwen/PHS Mortgage for a payoff to close on XXXX XXXX.Unfortunally, XXXX XXXX XXXX XXXX  company never received it. So, I contacted the customer serv. dept. on XXXX, XXXX was told by a rep. I would received the payoff with in three hours. Three hours passed then called again spoke with XXXX, told me I should receive the payoff the next day in the morning around XXXX. On XX/XX/XXXX, I called since I did not receive the payoff then spoke with XXXX she told me that I should receive it later that afternoon, this continue all day. On XXXX, XXXX was told sometime that day I should receive the payoff. Now, here I am on XX/XX/XXXX I called around XXXX XXXX was told that the reason for the delay was the loan modification that was done XX/XX/XXXX. So, I have gotten every excuse from the loan modification ( XXXX ), company 's merging, the holiday, the payoff department are just behind, and it just takes time. I have e-mailed them four times letting them know my request and concern. XXXX XXXX XXXX XXXXXXXX has faxed and attempted to contacted them but with out my consent they refuse to talk to them witch I have sent faxes giving consent and I also have given verbal consent. My buyer will walk away if I do not get a payoff. I don't understand what is taking them so long. I need to make my voice herd. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XX/XX/XXXX XXXX cant provide to my XXXX XX/XX/XXXXdaughter PLEASE HELP ME PLEASE im XX/XX/XXXX now.with no help.
Product: Checking or savings account

Mobile app updated. Now myself and wife is locked out of account. Can't access to pay bills. Been calling customer service for XXXX days now. No one answers or calls back.
Product: Debt collection

We have been receiving automated " robo-calls '' from an anonymous source for months. This past week we received a personal message from Van Ru Credit Corporation. We called them back and they immediately asked for confidential personally identifying information over the phone ( last XXXX digits of my wife 's social security number ). When we refused to give that to them, they refused to give us any information about what they are calling us about. We have never dealt with this company and we have no known outstanding debts owed to anyone. They would neither confirm nor deny that they have attempted to notify us through mail, nor would they agree to send us correspondence by registered mail. They would not provide us with the address they have on file despite the fact that they obviously have our home phone number. They would not tell us what the matter was about. They would not tell us how long the matter has been outstanding. At this point we have no information other than the phone number they left on our message machine and a completely unproductive personal phone conversation. The phone number we received and called is : ( XXXX ) XXXX extension XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/24 I filed a complaint with equifax about improper use of my credit report .with account name ( XXXX  XXXX ) Company did not remove the account after all evidence was attached to complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a balance of XXXX from XXXX XXXX ON MY EXPERIAN MY XXXX   AND MY XXXX  CREDIT REPORT WHICH WAS PUT ON MY CREDIT REPORT XX/XX/2018. THE AGREEMENT BETWEEN MYSELF AND XXXX WAS I WAS GOING TO PAY THE XXXX TO THEM ON XX/XX/2018. I CALLED XXXX ON THE PHONE AND TA ; LK TO A REPRESENTIVE AND I EXPLAIN THAT I DIDNT HAVE MY ACCOUNT NUMBER WHEN I MAIL MY CHECK OF XXXX TO THEM. I MAIL IT BY UNITED STATE POST OFFICE TO THE ADDRESS WHICH I SAW ON THERE WEBSITE WHICH WAS XXXX XXXX XXXX XXXX NEW JERSEY XXXX ON XX/XX/XXXX IN THE XXXX. ON XX/XX/XXXX I RECEIVE ALERT FROM EXPERIAN THAT I HAVE A COLLECTION ON MY ACCOUNT. SO I WENT TO VIEW MY ACCOUNT I SEE A XXXX ACCOUNT WITH A BALANCE OF XXXX PAST DUE IN COLLECTION. I CALLED XXXX THE NEXT DAY ABOUT IT AND THEY SAID THAT THEY DIDNT RECEIVE MY PAYMENT AS I EXPLAIN TO THEM I MAIL IN A CHECK TO THEM AND MY BANK HAS NOT CASH THE CHECK I ALSO EXPLAIN TO THEM THAT I HAVE NOT RECEIVE ANY EMAILS OR LETTERS FROM THEM CONCERNING THIS ACCOUNT WHICH THEY DIDNT CARE ABOUT IT. I EXPLAIN TO THEM THAT I CAN PAY THIS AGAIN SINCE I MADE PART OF PAYMENT EARLIER.
Product: Checking or savings account

Early warning services, has violated my rights under 15 U.S.C 1681 section 602 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. 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: Bank account or service

I paid my overdraft accout about a year ago amd it is still on my credit scores as unpaid. 
I called before and they said they took care of it. I just need this to be on file and out of my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my husband XXXX received an alert from XXXX XXXX that our credit scores from TransUnion and XXXX had dropped, 50 points for my TransUnion and 42 for my XXXX. XXXX 's TransUnion dropped 46 points and his XXXX  dropped 34 points. We had just paid down 3 credit cards to {$0.00} balances, ( we did not close any accounts ). We paid down our remaining 6 credit card accounts to bring down our total credit utilization below 30 % and the drops in our scores didn't make sense to us. After reviewing our TransUnion and XXXX  reports, I noticed that they were a few mistakes in their reporting. We filed disputes at the beginning if XX/XX/XXXX for the following issues : They are both reporting late payments for 12 accounts that had been previously discharged in our Chapter XXXX bankruptcy on XXXX XX/XX/XXXX. They were not being reported as late. 
My husband had a loss of income due to COVID-19. We had a CARES Act payment deferral for our XXXX XXXX loan and then a voluntary repossession due to COVID-19 in XX/XX/XXXX. This account had been reporting as a voluntary repossession due to natural disaster. Now it is reporting as a charge-off. 
We had just closed on our new home on XXXX XX/XX/XXXX. Our credit score at that time was in the XXXX. Transunion and XXXX  dropped my score 100 points and my husband 's scores 60 points about 3 weeks after our mortgage closed. These 2 bureaus have been dropping our score 2 to 3 points each month since then. My current TransUnion score is XXXX and the XXXX is XXXX. XXXXXXXX XXXX TransUnion score is XXXX and his XXXX is XXXX. I am convinced that the current drop in our scores are because of the recent changes of TransUnion and XXXX  reporting statuses on the 12 accounts discharged in our chapter XXXX bankruptcy on XXXX XX/XX/XXXX and the recent change in their reporting status of the XXXX XXXX loan due to COVID-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX 's letter dated XX/XX/2021 does not legally justify the unauthorized charges disputed within it, XXXX XXXX Closing Account Statement, shows XXXX balance due as a credit balance due and closing account date & Experian Credit Report, which alone shows " No Data '' for the XXXX XXXX Credit Card account balance and scheduled payment, which is false data, because XXXX XXXX Credit Card with a {$1000.00} credit limit was never investigated thoroughly to receive from me a " Declaration of Fraudulent Activity '' as indicated in the above letter, by both XXXX XXXX and all Credit Reporting Agencies to the CFPB, such as Experian, XXXX, XXXX, and any others! 
XXXX XXXX never justified the need to use only the unauthorized signature or voice facts of " On XX/XX/2021, we resolved the dispute in the merchants favor and rebilled the account because the email address provided by the merchant matched the email address we have on file for XXXX XXXX. Also, the phone number provided by the merchant matched the phone number used to call our Risk Department by XXXX XXXX. Finally, the address provided by the merchant matched the address on file. ", to validate that I authorized the purchase of any products and/or services, because these charges were unauthorized by me in any legally valid manner, whatsoever!
Product: Credit reporting or other personal consumer reports

I've noticed accounts that should not have been reported on my credit. 
15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware, consumer reporting agencies on a nationwide basis must maintain a joint notification system. I, the consumer have reason to believe and do so believes, this subsection was enacted to maintain maximum possible accuracy amongst consumer reporting agencies. This information for the accounts listed below on my consumer report do not match other consumer reporting agencies shown in Exhibits A-J, which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). These accounts must be removed.
Product: Credit card or prepaid card

i received my statement for my XXXX XXXX store credit card. the statement billed XX/XX/XXXX with a total balance of {$75.00}. On XX/XX/XXXX, I logged on to my online account to pay the balance in full. My new statement billed XX/XX/XXXX and i'm being charge a minimum interest charge of {$2.00} on a {$0.00} balance. When I called to dispute the charge, they informed me it was residual interest and they couldn't reverse the charge. When I log in and click " pay in full '' it should pay in full. I shouldn't be getting surprise interest charges for a balance that was paid in full well before the statement close date.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report to find the following items to be incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX According to my records the information your are reporting on this account is inaccurate. I demand that you remove these accounts from my credit report immediately. 

By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C 1681 et seq., I demand that these items b reinvestiged and deleted from my credit record. Please send me the names and address of the companies that you contacted so I may follow up.

Under The terms of section 1981 I of the Act you have 30 days from receipt of this information to verify this disputed information. In the event you fail to verify this data, of fail to respond to this request altogether, the disputed data must be deleted in its entirety. 

Also, pursuant to 15 U.S.C. Section 1681 d of the act please notify me when the item have been deleted. 15 U.S.C 1692g,15 U.S.C 1681 I 1A
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous attempt to address the issue of a late open account on my credit report. 

Despite my initial request, the necessary corrections have not been made, and the late open account continues to inaccurately reflect my financial history. It is crucial to ensure the accuracy of my credit report for maintaining my financial integrity and credibility. 

I kindly request your immediate attention to this matter. Please take the necessary steps to correct the opening date of the account in question and ensure that my credit report accurately reflects my financial standing. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$390000.00}.
Product: Credit reporting or other personal consumer reports

Jefferson capital has added collection debt to my credit report. Various disputes requesting documentation this debt is owned by Jefferson capital and that i am the debtor. 

No proof has been given, i have been ignored and the credit bureaus have not helped.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX XXXX is still investigating, while XXXX is still allowing the Navy Federal Credit Union to post the amount of a loan to be on the credit report which should be off my account due to the 7 year limitation statue from XXXX. I located information of the XXXX XXXX ( XXXX ) who have contacted me about a breach and I was one of the thousands who account was breached. Plus medical information showing that I was unable to work and could not have made payments but was documented on the credit bureaus history I have made ( was fraudulent ) in order to keep the account open and to not allow the 7 year statue not be recognized and the negative account removed the charge off ). Along with XXXX as well, thereby keeping my score, overall low. For what ever reason my account has been in this state, and even when I call to verify I do not get anything corrected. I now am an authorized user to someone else credit card and in good standing and given another credit card with no balance with a different credit card number, yet they are putting the authorized primary account holder information on my credit, but instead of it boosting my credit score, which it should, they are NOT allowing it to do so?
Product: Debt collection

XXXX XXXX XXXX has garnished my check from a debt in XXXX which I was given a 1099C in which I had to file on my taxes which I sent a copy to them 3 times with the last paperwork being sent certified in XXXX. I reported this issue to them on XX/XX/XXXX they sent me a letter stating that they were going to reopen the judgement and amend to correct my name. My question then if is closed how are adding different employment for me on the judgement which had a place of employment I had never worked. They are sending my information to third parties which they did during COVID-! 9. My information was sent to New Jersey and I get a letter from the state that my PP loan was denied they informed I would have to get a IP PIN to file taxes for the rest of my life. Now on XX/XX/XXXX I get a letter with same case number for HSBC Bank which was on the original judgement now they change the name of the company to XXXX XXXX XXXX XXXX with the same case number XXXX. I'm a over XXXX and work a seasonal job to help with expenses. They have violated so FDCPA laws.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. For this account ( XXXXXXXX XXXX XXXX ) ( XXXX APPLE CARD/GS BANK USA XXXX Technically, this account has been sold to a new lender. This account can no longer be reported legally this can not be reported if a charge off on my credit report if the account was sold to another lender. After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Refuses to acknowledge that they create more problems because they report wrongful information so when a company looks at the information they think it's correct. There are accounts that have been closed for 11 years on my experience file and yet they have an address that just started in 2019. It's impossible for them to be reporting that address correctly or legally. That's what experian uses for their proof. Stupidity and ignorance are no excuse for breaking the law. But that's what they do and I am harmed by it they need to stop this behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a capital One business credit card that showing on my credit report. 
On XXXX, i contacted capital one that i was having hard time paying the bill due to COVID-19. XXXX XXXX has been closed due to impact. When i contacted the Capital One they seemed like they understand the situation. And the system automatically generated new payment options so i thought it was good. However, the company reported my payment has been late even though i explained that my business was affected by COVID-19. But, they still reported the credit bureau and it still shows on my credit report that i was late even though it was my business credit card. I applied for EIDL loan for help but i got declined EIDL loan from the government due to credit score.