23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My credit score dropped 57 points in three months so i investgated this and found that the collection agency did not do the homework .They are saying i owe XXXX {$87.00} and i called XXXX and they said sir all you past accounts with us were paid in full and you owe nothing to XXXX.So i called the collection agency and the girl told me they do not have my social security number on the account that is owed.So i ask XXXX XXXX the collection agency supperviser how this happened and she said she did not know, I asked her to get my credit score back to were it was before the falsely acused of owing XXXX money it is someone elses social security that they are looking for not mine.The collection agency is ( SouthWest Credit Systems ) ( XXXX ) XXXX.Ask for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my TransUnion report there is a collection of {$450.00} by XXXX XXXX XXXX for XXXX. It says it it was opened XX/XX/2017. I just moved to an apartment in XX/XX/2017 and had cable from a cable company. I did try the seven day free trial of XXXX through the internet and it didn't work so I cancelled the same day. There's no way I can owe money on a free trial that was cancelled before the free trial expired. I did a dispute through XXXX XXXX but wasn't able to give much information, mostly just choose from topics. This was put on my credit report without any notice from XXXX XXXX XXXX, which should be illegal. I haven't received anything from them. I hadn't heard of this company before.
Product: Credit reporting or other personal consumer reports

I've discussed being a victim of identity theft several times. You must remove/block any ITEMS that were opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information does not relate to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 XXXX XXXX put a late payment of 60 days on my account. This was an auto bill pay issue and the bank recognized it on their end but failed to update my account back 100 % payment history. This also popped up on 2 other credit bureaus and has greatly lowered my score.
Product: Credit reporting or other personal consumer reports

I had a mortgage with the XXXX XXXX XXXX XXXX. All payments were to be taken out automatically. XXXX failed to take XXXX automatic payment. It affected my credit history with XXXX, Experian and XXXX. At my request, XXXX contacted the XXXX reporting entities and to " make the necessary amendment to your credit profile. '' XXXX complied. Experian and XXXX did not. I initially lost XXXX points over this. It continues to show up on my credit reports from them. No problems with XXXX. They corrected the error.
Product: Mortgage

Please note that you were contacted in XX/XX/year> a multiple occasions there thereafter acknowledging fraud your general one XXXX bank number. Individual advise me on multiple occasions not to pay while it was sorted out. It wasnt until I received a letter saying I was scheduled for foreclosure that actually got to an individual in the loss prevention team, who understood and took my claim seriously and attempted to help me. These individuals had access to a cloned version of my phone. They were able to make withdraws from my XXXX ( k ) at XXXX open credit cards and shift money around constantly as you are not my primary bank. They turned off email correspondence. I have reported this XXXX different times over the last year. I still have active claims with your credit card group. Which they are working. What makes us even worse is I received a reinstatement quote for {$9000.00} which I was happy to pay and sort out the fraud later, but before I could pay it, I was served papers and forced to hire an attorney our attorneys initial ask was please just update the reinstatement quote for any fees so we can pay it immediately. It took you over a month and magically. The new number was XXXX. Served for the first missed XXXX payments {$9000.00} and magically the ninth payment was {$12000.00} alone by itself. I have called repeatedly. Ive called repeatedly. Try to get this sorted. No one internally in your bank can figure out where or why that came from. I just want this reopened and will deal with the fraud.
Product: Money transfer, virtual currency, or money service

My XXXX account was hacked for XXXX dollars, and they tried to do it again to didnt succeed the second time around
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX to ask why were collection companies were still able to access my credit report even if i had a credit freeze and fraud alert.I explained to the man on the phone that my information was compromised. My neighbor who has a collection company and has been selling my information and placing my name, address, social security number and family members names on the dark web and a lot of other sites, i was able to removed 82 so far however he continues to do this i've had 12 alias and address ' going back 40 years placed on my reports .When i finished the call a new collection from XXXX XXXX XXXX XXXX XXXX XXXX placed on my XXXX credit report and my score went down XXXX points. For a year and a half this is been going on there has been a lot of traffic on my reports why isn't anyone seeing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute this one item because its killing my report and killing my financial life planning. Killing my score and most important its not mine. Please remove it.
Product: Money transfers

XXXX, now operating under the umbrella of XXXX XXXX is the company that bills me for water and sewer. I like to pay online ( no one uses checks these days ) but the only way I can pay online is through Western Union speedpay. This service costs an additional {$3.00} on an average monthly bill of {$50.00}. Is it fair to be paying an additional 7 % year in and out on my water bill just so I can pay online? I realize regulating a utility company may be outside your scope ( please direct me to the right place if so ). However, I was wondering if Western Union was providing any kickbacks? Why would the energy company burden customers for years with a very expensive service just to pay the bill online?
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( 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 ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Checking or savings account

My mother was still the custodian of an UMTA minor account even though I am of age of majority ( XXXX year ) when she passed away. I did not transfer custodianship to myself within the three months allotted by the financial institution. They will not allow me access to the funds or the account without court issued transfer of custodian in spite me being beyond the age of majority.
Product: Consumer Loan

I received a title loan from Title Max over a year ago. I regret this choice, as I can not afford to pay more than the monthly finance charge, which is 10.99 %. I have made my payments as required every month, with a few late payments only, and no more than a week late at the most. I am stuck in this endless cycle of debt, with no way out it seems. My complaint is, my last payment due date was on XXXX/XXXX/2015, which was a Saturday. I had the amount I owed, but due to transportation issues, was unable to make it to the office that day to pay ( no one can go for me, unless granted power of attorney ). They are closed on Sundays every week, and this particular week was XXXX XXXX, therefore they were closed XXXX/XXXX/2015, and XXXX/XXXX/2015. I called to let them know on the next business day, I would be there with my payment, and one days late fee. I spoke to XXXX XXXX, and she said, I had to pay for late charges for the 2 days they were closed, in which it was physically impossible to make a payment. This set me back another day, because I did not have enough to pay these unexpected days. I borrowed the money from a reluctant friend, and paid on XXXX/XXXX/2015. This cost me an extra {$43.00} on top of my minimum payment amount of {$320.00}. This woman talked to me like trash and hung up in my face when I called to let her know I was on my way to pay. I am appalled at her mistreatment of a paying consumer, who has never missed a monthly payment. The company makes their rules as they please, because there have been times in the past that I was not charged for a Sunday, or a particular holiday in which they were closed. I am in a financial rut, but manage to keep up these payments, as I can not lose my vehicle. Is this legal and the way the woman treated me was terrible business practice, and being a manager of this particular Title Max location, she should know better.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian, XXXX, and XXXX for allowing incorrect reporting by XXXX. XXXX regarding my mortgage account ( Account XXXX : XXXX ). My loan, transferred from XXXX, was in an active forbearance due to hardship and hurricane impact. Despite this, XXXX. XXXX reported my payments as XXXX days late, which was reflected in all three credit bureaus. 

Key Facts : My forbearance agreement with XXXX ensured my account would not be reported as delinquent during the forbearance period. 
XXXX XXXX 's late reporting contradicts the guidelines under the FCRA for accounts in forbearance due to financial hardship.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed this fraudulent account on my credit report. Please remove this fraudulent account for my credit report is hurting my ability to obtain credit to purchase a home for my family. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : 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
Product: Money transfer, virtual currency, or money service

I've subscribed to this online pay service with XXXX for decades. Just recently I had fraudulent activity on the checking account at XXXX XXXX  used to make all online payments against. As result that account was closed and a new checking account opened. But, before I could update checking account on XXXX site {$1200.00} payments were made in automated payments to XXXX, XXXX  XXXX, and XXXX from previous closed checking account by XXXX. XXXX  has blocked my online service, refusing me any ability to update checking account to be used now or in future until creditors return payments made. Creditors refusing to do so ( even if I give them payments from alternative sources ). They will simply apply that against balance. 
XXXX willing to assist in correcting situation.
Product: Debt collection

XXXX XXXX XXXX. INC appears as a collection account on my credit reports showing I owe a balance of {$730.00} ( shown as {$740.00} on my XXXX, XXXX and XXXX credit reports ). I have called and written letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately.
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 {$120.00}. 
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 {$120.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX foreclosed on my property. XXXX XXXX XXXX never sought to collect after the foreclosure sale. 

Now, four years after foreclosure sale, Nationstar claims I am {$110000.00} in arrears. 

I have been litigating with XXXX XXXX XXXX since XXXX XXXX, 2012 to enjoin a wrongful foreclosure eviction. The case is currently pending in the XXXX Court of Appeals.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a certified letter to Equifax explaining some addresses that are incorrect on my credit. I do not know where these addresses have come from as they are incorrect and invalid. Associated with these accounts are accounts that I have no knowledge of nor have I resigned here. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : 1. XXXX XXXX XXXX XXXX XXXX, TX XXXX. Account/Account # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX 2. XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX. Account/Account # : XXXX XXXX XXXX XXXXXXXX XXXX 
3. XXXX XXXX XXXX XXXX XXXX, TX XXXX. Account/Account # : XXXX XXXX XXXX XXXX  XXXX. 
4. XXXX XXXX XXXX XXXX XXXX, TX XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX  Date of Inquiry XX/XX/year>XXXX XXXX XXXX  Date of Inquiry XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and to give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I made a purchase online XX/XX/XXXX using my XXXX and Banks credit card. Amount of that transaction was {$63.00}. The order was shipped in multiple packages. I received a tank that cost {$8.00} ( incl. tax ). Per tracking details, the other part of the order was damaged when it arrived in Ohio. Package was returned to the warehouse. I was still charged {$63.00} on my credit card bill. I called customer service on XX/XX/XXXX and XXXX. I opened a dispute. A supervisor called me back on XXXX and credited the {$63.00} from my bill and told me that if I still wanted the items in my order that I would have to re-order them. I have the email stating the refund to my credit card. I did not re-order. I received a letter from Comenity dated XXXX stating that the claim was being investigated. I received a credit bill ( statement closing date XX/XX/XXXX ) with the charges {$63.00} for XX/XX/XXXX provisional credit reversal. Bill is due XX/XX/XXXX. I only owe the company {$8.00} for the 1 tank that I received. If I am to pay the full amount, Comenity or  XXXX and Banks need to issue me a gift card in the amount of {$55.00} being I have Not received most of my order. Is this theft? Is this fraud? I want this resolved now. Been putting up with this since XXXX. Comenity are thieves!!!!! After this is resolved, I will never have a credit card that is thru Comenity! I will let others know as well.
Product: Credit card

We have XXXX promotional purchases Bank of America XXXX XXXX. We transferred balances to those cards. We were told on XX/XX/XXXX that we should send in {$1600.00}. to pay off the monthly charges and the rest would pay off the promotional amount. Please know that we have used XXXX XXXX, XXXX XXXX, XXXX XXXX to pay promotional purchases. 

Our send account was larger and we had saved {$8000.00} to pay it off in XX/XX/XXXX. We called B of A a second time same day. Another representative told us an entirely different story that no matter how much we paid the promotional purchase would only receive the minimum due and the rest of the paymentwould pay off other purchases currently at a much higher interest rate. This contradiction produced a phone call to their manager who did not call us back.

This is to us a bait and switch. No other promotional purchase from any company or bank has ever applied money FIRST to the monthly balance due and SECOND to the promotional purchase. It is a clever but unfair. Similar to no surprise billing from hospitals which prevented this type of practices, the B of A policy covertly allows the bank to gain huge amounts of interest ( in our case {$4200.00} ) when the promotional purchase comes due and PREVENTS us from satisfying our original intent. It is deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are multiple items that need to be investigated and deleted they are not correct. There is a bankruptcy listing and 2 accounts that say I was late that are wrong and 2 inquiries I did not authorize. I mailed letters top the credit agencies but got no response at all 2 different times
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX, XXXX Account # XXXX, 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 a account without my written instructions