23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern May I please request your guidance and help in a very serious matter. I have acted most appropriately in trying to rectify this grave matter to no avail. I seem to be caught between two companies ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, of whom neither will help correct my dire situation. My home mortgage was bought by XXXX XXXX XXXX in XXXX. I appropriately each month would telephone in my payment on time. Upon doing so last XX/XX/XXXX, I was recommended by an agent representing the company to set-up an ACH withdrawal with my personal banking institution ; XXXX XXXX XXXX XXXX. I personally went into the local branch where my account was opened and telephoned XXXX XXXX XXXX. This event took place on XX/XX/XXXX.at XXXX : XXXX. The bank teller representing the XXXX XXXX XXXX XXXX verbally argued with the telephone representative for XXXX XXXX XXXX, regarding the confirmation of the bank routing number. The XXXX XXXX XXXX XXXX teller demanded she was right and so the representative from XXXX XXXX XXXX acquiesced and the ACH withdrawal was set upon the information given by the banking institution. Come to the withdrawal, it was never attempted as a debit against the checking account. There clearly was no attempt to post. XXXX XXXX XXXX considered the account to be 30 days late. Upon doing so, the XXXX ACH was never attempted by XXXX, therefore reporting a 60-days late notice to all three credit reporting bureaus. I immediately went to the XXXX XXXX XXXX XXXX as well as started calling XXXX XXXX XXXX. Neither company would help me once so ever. To rectify the matter, I sent cashiers checks in the overnight mail to XXXX with letters requesting their help. I was denied. To date, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments to XXXX XXXX XXXX have been reported as late. Finally, there was a supervisor representing XXXX XXXX ( XXXX - XXXX ) that pulled the audio transmission between myself and the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that clearly tells the trail of errors. The routing number was not correct, as the XXXX XXXX XXXX XXXX had demanded. Even though XXXX XXXX has solid proof on tape, that I am not at fault and that my payment has been made, they are not willing to correct my credit report to all three reporting agencies. Nor is the XXXX XXXX XXXX XXXX, willing to admit their inhouse error. Please I ask for your assistance in this matter. I am an elder, a law-abiding citizen and I should not have to bear this devastating consequence on my credit. It is humiliating to me and has ruined reputation. Most sincerely yours
Product: Payday loan, title loan, personal loan, or advance loan

About 1 years ago, one of my XXXX XXXX XXXX XXXX  XXXX  after eating. I rushed to the nearest dentist office to get it fixed. I was told thaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The dentist office told me that the XXXX  would cost about {$10000.00}. I did not have anywhere near that kind of money so they offered me a credit card ( Alphaeon ) that I could use to pay for the XXXX  and I could pay them back monthly. I agreed and have been paying every month ever since. So far, I have paid back nearly {$8000.00} and I currently have a balance of NEGATIVE {$1300.00}. Their explanation was that these were due to 5 different promotional interest rate charges. I did not at anytime agree to any of these promotions nor this absurd interest rate. I had several more minor work done and no one ever mentioned anything about a promotion and the total debt is about {$14000.00}. I had excellent credit at the time of had the dental work done and started with this credit card company and since then it has done nothing but drag down my credit score despite always paying on time. Alphaeon sent me an illustration showing that if I only pay the minimum amount it would take me 26  years to pay off this debt and cost me {$46000.00}. Mind you the minimum payments are in the {$500.00} range. The illustration said that if I pay {$620.00} a month it would be paid off in 3 years. I have no problem paying for the dental work that I received. I don't even have a problem with paying a little interest but this is outright robbery. How can an American citizen be subjected to this kind of predatory practice. On what planet does someone pay {$8000.00} toward there {$14000.00} loan and still be negative {$1400.00}? I've attached several images showing my payments and their correspondence.
Product: Credit card

There is a discover credit card that was taken out in my name that I did not authorize. I have put a freeze on my 3 credit departments. Please let me know what else is needed from me. I want to ensure that this does not occur again. I am not certain of all the exact times and dates of transactions. I received in the mail with a billing statement for a card i've never used. I called and was told the card has since been closed with a balance of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are listed on my credit report do not belong to me. I've asked creditors to provide me proof that these accounts are mines and got no response. Also no one has sent me anything with my signature for these debts. The accounts listed below are fraud and need to be removed immediately! 

XXXX XXXX  ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX I AM NOT A CREDIT REPAIR COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2013 Balance : {$2900.00}.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX {$0.00} opened : XX/XX/year> By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.
Product: Debt collection

Sent a collection notice from Central Portfolio Control, NEVER heard of this company or had any said dealing with them...
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a debt consolidation loan through XXXX XXXX with upgrade back in XX/XX/2022. I thought my rate was going to be lower than {$220.00} a month. They have you put in what cards you want paid but I never signed anything. I received an email on XX/XX/XXXX stating my loan was approved. I emailed them and told them I wanted to cancel the loan. I then received and email someone would contact me but did not. I thrn called them on XXXX and was told I could not cancel. This loan is breaking me and cant afford it.
Product: Debt collection

I have requested that this debt be validated by signed copies of the original documentation mailed to my address several times by phone and online disputes as well as on this site. These accounts should be removed due to lack of validation. The account numbers are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A XXXX  XXXX account was added to my credit report in XXXX after it was received by a collections agency, Portfolio Recovery Associates LLC in XX/XX/XXXX. It's showing the XXXX XXXX account was opened in XX/XX/XXXX. For the past 3 years I have been contacting Portfolio Recovery Associates to obtain verification of this debt. The only information they have provided me are copies of billing statements. I confirmed today ( XX/XX/XXXX ) they do not have a copy of the original contract/application so I can confirm how this account was opened. I am not sure how a collection agency say I have a debt, but they can not provide documentation showing how the account was opened.
Product: Money transfer, virtual currency, or money service

To whom it may concern, Commencing on or around XX/XX/2022, till XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX, which involved me making deposits for a total amount of XXXX from my XXXX and XXXX accounts through an intermediary named Coinbase ( which I hold accountable ) to these fraudulent investment companies.
Product: Debt collection

A letter was sent to NCB Management Services, informing them to send a purchase agreement and debt validation document. This company is a debt collector and they did not provide any of this information. The collection account was removed from my credit and then the company added the account again after a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I identified items on my credit report that are the result of identity theft, as I did not initiate, authorize or give consent for my information to be used to create them. I have sent the Identity theft report, proof of residency, government issued ID, and a letter identifying each item. There are still items remaining on my credit report that should be removed by now. These documents were received by Equifax on XXXX XXXX XXXX So, by law, they should have been removed in 4 days which would have been XXXX XXXX XXXX It is now XXXX XXXX XXXX and Equifax has failed to remove them. 

I will be including the tracking data from the certified mail tracking number associated with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used without my consent in order to open credit and put inquiries on my credit report which is hurting my credit. 

XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ollo/Ally Acct ending XXXX. 
My account is currently and ALWAYS has been in Exceptional standing. I was NEVER late, I NEVER missed a payment, paid MORE than required and NEVER went over the limit. As a matter of fact, because I kept my account in such an OUTSTANDING status, I have received TWO AUTOMATIC credit limit increases in less that 1 year!

However, from the very beginning, you consistently, fraudulently reported this account to the Credit Reporting Agencies as having MISSED payments, NO payments, and being OVER THE LIMIT. You gave me an increase, did not report it to the CRA 's. When I disputed the incorrect balances & credit limit, you corrected it. Then 3 days later, you subtracted the increase on my credit report. Even after I REPEATEDLY disputed all false, inaccurate information, you CONTINUOUSLY and DISHONESTLY responded, saying your credit reporting was verified and ACCURATE. This is an act of FRAUD because you KNOWINGLY and INTENTIONALLY reported false, inaccurate information about me & my finances to all the major credit reporting agencies. You also withheld information, by refusing to report my payments. My score dropped DRASTICALLY, due to you FRAUDULENTLY reporting my account being OVER THE LIMIT 2 months in a row. When I applied for credit, I was denied, because this FALSE, INACCURATE information was seen by other companies. 
You have violated my consumer rights and broken so many consumer laws. To prove you violated me, Every single one of those FRAUDULENT, FALSE, INACCURATE reports and statuses were FINALLY REMOVED AND CORRECTED by you, on all the 4 major credit reporting agencies reports. I DESERVE to be compensated for these violations. This has been BEYOND stressful and EMBARRASSING!
Product: Credit card

It is unjust that despite my consistent on-time payments for this account, I am faced with this situation. Please rectify my account to ensure accurate representation.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I dint authorize the hard inquiry on. my account with XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to formally dispute the reporting of a charge-off account by XXXX XXXX XXXX XXXX Account Number : XXXX, on my credit report. The reported charge-off reflects an amount due of {$12000.00} and a total of {$23000.00}. I believe this reporting is in violation of federal laws, and I am requesting the immediate removal of this account from my credit file for the following reasons : 1. Failure to Issue a 1099-C Form Under IRS regulations , when a debt is charged off and considered " canceled '' or " forgiven, '' the creditor is required to issue a 1099-C form to the debtor, as this cancellation may be treated as taxable income. In this case, XXXX XXXX XXXX has reported the debt as charged off on my credit report but has failed to issue the required XXXX form to me. 

The absence of this form raises questions about the legitimacy of the charge-off reporting and whether the account has been properly processed in accordance with federal tax and credit reporting regulations. Without the 1099-C form, the debt has not been properly " canceled '' and, therefore, should not be reported as a charge-off.

2. Violation of 15 U.S.C. 1681-2A ( i ) : Reporting Income on a Credit Report The Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681-2A ( i ) explicitly limits the types of information that can be reported on a credit report. Income or transactions that reflect income, such as a charge-off that may be deemed canceled debt, should not be reported as part of a consumer 's credit file.

A charge-off that is reported without proper documentation, such as a 1099-C, creates an inaccurate and misleading depiction of my financial history. Reporting such income-like entries on my credit report is not only misleading but also appears to contravene the intent of Congress as outlined in the FCRA.
Product: Credit card

I applied for Best Buy Credit Card ( Citibank ) several years back. According to Citibanks associates they upgraded everyones Bestbuy credit card to XXXX  last year XXXX ( XXXX ). This was done for consumer protection. I never received this card. I made a purchase since this new card was issued. I made my first payment on time in store because I assumed I forgot my login credentials and DID NOT WANT TO DEAL WITH THE PHONE SYSTEM to figure out how to reset my login. XX/XX/XXXX payment is completed a day late due to the same issue. I called this time to pay over phone and to address my inability to access my account online. This is when I was informed of a credit card I NEVER RECEIVED. Citibank has denied my access to my account because I have not activated a card they sent out. I never asked for an upgrade or for a different card. I think its completely predatory to deny access to a consumers account. Force them to either call the banks phone number or pay in person at a physical Best Buy location. Its predatory to add late fees to an account the individual has no access to. I was unaware of the late fees until today when I filed a complaint with Citibank via a supervisor. The associate kept talking about how my profanity was unprofessional but this financial institution is NOT CONDUCTING business professionally. As of this month XXXX ( XXXX ) I once again have no ability to access my account. It is 1 day late again because I need to make sure I drive to a location to pay my bill in person. The supervisor stated that he would remove the late fees but my concern is how this would impact my credit score as I HAVE NEVER MISSED A PAYMENT ON ANYTHING BEFORE. Last month was the first time in my 12 years of dealing with any financial institution. I am livid. I want to this resolved. I want this financial institution held accountable and I do not believe I am a fluke in the way they conduct themselves.
Product: Mortgage

US BANK - HELOC lending department, XXXX AZ XXXX After months of asking just one document at a time for our application, repeatedly asking for the same document after it was uploaded in their online system already. We received multiple alerts that our file will be closed in 5 days if we didn't submit the already uploaded documents. Our HELOC application was abruptly closed and we received a email saying we do not qualify for HELOC loans due to not being a GC holder or a US citizen. 

We have been in the states and hold a legal residential status and are eligible for loans/mortgages and credit lending for almost 15 years, never been denied a loan and our credit worthiness is exemplary. 

Strangely, we also have an EXISTING HELOC loan with the same bank and we were starting a new application for a better interest rate and adding an additional primary borrower on the HELOC. 

The agent made no attempt to clarify the legal status before carelessly closing the Application. After pointing out the issue personally to a local branch, no attempt was made by the bank to clarify the situation, address the complaint or even attempt a courtesy apology for inconvenience with some education on their guidelines for rejection of loan for my better understanding.
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX. I sometimes send money through this app to family and friends. My father sent me cash I gave to him to pay my bills. It is the XXXX & I got these on the XXXX. My account was closed by Robinhood but I have XXXX XXXX dollars I have no access too. There was a remediation process on the XXXX that took 10 days and I still have not received my funds. Business is slow this time of the year so for them to hold my funds this long, I have lost money, customers and I am behind on bills. Please help me get my hard earned money they have no right to take. I asked many times to close my account and return funds. They closed it but no access to my money still. I have no access to any of my old accounts I signed up with, because I was a victim of identity fraud, and it gives me no option to cash out my money to a new card or account. And doesnt give me an option to speak with someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax XXXX  You all claimed to Have Verified XXXX account XXXX as I looked at this account on all 3 of your reporting Equifax you have no Payment History listed on your report this is a violation of the FCRA! 

XXXX  You are reporting and Ok Payment On XX/XX/2019 XXXX  you are reporting a 30 day late on XX/XX/2019 Equifax Again you are reporting nothing. These accounts are inaccurate therefore must be deleted from all Three agencies Per the FCRA a consumer credit report must I repeat Must be 100 % percent accurate please delete ASAP CFBP I would Like for you to forward a copy of this Information to Congresswoman XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Washington DC XXXX
Product: Debt collection

This has been an ongoing issue with XXXX  XXXX XXXX. They keep sending this account to different collection agencies, XXXX XXXX, then, XXXX XXXX and now Rubin & Rothman, LLC.Sent letters in XXXX, XX/XX/XXXX, In XXXX sent letters in XXXX and XXXX to validate my dispute of the amount of {$19000.00}. Failed to provide me with a copy of any viable evidence bearing my signature. Requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Requested " validation '' that is competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports including XXXX, XXXX  and XXXX from your company or any company that you represent for a debt that I don't owe is a violation of the FCRA & FDCA therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. It is a violation for : Defamation, Negligent Enablement of Identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Furthermore, XXXX XXXX and XXXX XXXX were sent certified letters in XXXX and XX/XX/XXXX and did not respond in a timely manner to my initial letters which violated Federal law. In XXXX v. XXXX XXXX XXXX. No XXXX ( C.D. Cal XX/XX/XXXX ), they can be liable for willful non-compliance. By violating federal law, by not properly investigating with the required timeframe, and I have the evidence of such, via certified mail receipts, the item must now be removed.
Product: Checking or savings account

i not able to open account on any bank don't know the reason and the banks don't tell me why i try to fix the problem but don't know how i have lost my wallet 4 years ago and now look like have many account and also have many collection account but i sure is no my
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX OPENED XX/XX/2021 IS BEING REPORTED AS OVER THE LIMIT. THIS IS NOT ACCURATE. PLEASE UPDATE IMMEDIATELY!!!