23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

my disputed bill with att phone compagny was paid in amount of XXXX $ but the collection company added another amount that i am not aware about and now it showing in my credit report as a negative itemes
Product: Debt collection

This company has lied and claimed to be a lawyer, they broke up 1 bill to make 4 different bills. Then place them on my credit report to damage my credit. All four are from the same date of service. Ranging from {$7.00} to {$160.00}. This was only done to damage my credit and cause me harm. 

They have been rude and threatening on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bankruptcy showing on my report from XXXX. Account number XXXX. This is not my account. 

I've been subjected to a breach and there are several inquires on my credit report that are not mines. See FTC report attached.
Product: Credit card or prepaid card

On XX/XX/2021 I received a notification from Bank of America that there maybe fraudulent charges. The charge was for {$4300.00} overseas to a university in XXXX XXXX. 

I contacted XXXX, and they confirmed the charge was a " guest '' charge, which has nothing to do with my XXXX account. The offender had my credit card details and paid XXXX ( pounds, exactly ) to the XXXX XXXX XXXX XXXX. 

I contacted the XXXX XXXX XXXX XXXX and spoke to Collection Officer XXXX XXXX, who found my transaction, and can identify the student responsible. The student had multiple attempts with other cards. 

I contacted my local police department ( XXXX XXXX Police Department ) and filed a report, which is attached. 

After numerous calls to Bank of America, they have not re-opened my claim. I was not given the reason why my claim was denied. This charge came from a different country,
Product: Checking or savings account

I have had a Chase savings account for about 10 years with a checking account as well. One of the rules to avoid a $ XXXX  monthly fee was and still is : OR {$25.00} or more in total Autosave or other repeating automatic transfers from your personal Chase checking account ( available only through chase.com or Chase Mobile app ). 

I have had autosave set up since I opened the account and I have never changed it. Every time I got paid, it would transfer {$25.00} into my savings account. Starting XX/XX/2024, my autosave changed to online transfer from checking account on my recent transactions, despite never changing any settings. I was as a result charged the $ XXXX  monthly fee three months in a row, despite having had my automatic transfer of {$25.00} several times a month. 

i only noticed this today and called them to get it fixed, but they said they could only refund one fee per 12 months. I stated that the issue came from them not me, as I was following the requirements to waive the fee, they stated nothing on their end showed I had an automatic transfer setup. Yet its still automatically transferring {$25.00} every time I get paid! I asked to file a complaint which he did but also stated it wouldnt change the outcome, they would never refund me the fees. I find this shocking as this has nothing to do with me and its an error in their system!
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by the law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec.1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not XXXX percent right and correct. So, could you pease check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I DEMAND THE FOLLOWING ACCOUNTS TO BE VERIFIED OR REMOVED IMMEDIATELY. 

Name of account Account number CHILD SUPPORT ENFORCMENT XXXX Name of account Account number XXXXXXXX XXXX XXXXXXXX Verification Cancel contracts. Please provide the original contract or delete. 

I also read where I can get the updated report after you investigate this from the XXXX XXXXXXXX XXXX Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have rights 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
Product: Debt collection

This is a debt with Conn 's - I am not 30 days late- I always pay before it goes over 30 days. I have told them to stop calling me because they ALWAYS get paid. They stopped for awhile, but now they are back to calling over and over again. They call from different variations of the XXXX number and there are times that I have counted over 20 calls per day. I can sit and watch my phone ring- then 20 minutes later- its them again from a little bit different number. This is ridiculous and this should not be acceptable. This is beyond frustrating. This is an abusive and harassing tactic that should not be allowed.
Product: Money transfer, virtual currency, or money service

XXXX XXXX I was told today would be the the day I would find out why square has been holding my funds since. XXXX XXXX. I keep getting customer service who say theyre escalating the case. Still not sure what that means? Not sure whats being reviewed? I have answered questions regarding change of account information that I changed by square via phone. 

No one reached out to me, I called square 3 times on XXXX XXXX. I finally received after escalating the account, It will be another 3-5 business days for review team to get back to me. No one has gotten back to me in 21 days as to what exactly is going on in my account. I have multiple calls and emails stating my concern. Square is holding estimate of {$8000.00} of my funds, I have had no access or answers where my money is? I have a family and employees. To hold someone income like this is completely disheartened and downright unfair. Ive been a customer for 5 years and never felt treated so unfairly in a situation. Unfortunately its come to where Im going to have to take legal steps to finally get to the bottom of why square has been holding my fund for 21 days with no explanation by their review team.
Product: Debt collection

Hello I am filling another complain on this debt that already been close by another agency account number XXXX it was close by the CFPB on XXXX18 at the time the agency was XXXX XXXX XXXX. And as of XX/XX/XXXX it was reported on my credit again by another company by the name of. XXXX XXXX XXXX XXXX for the same amount which is {$2800.00} there Address is XXXX. XXXX XXXX XXXX, FL XXXX. Tel.XXXX and its also saying Bureau name is XXXX XXXX XXXX this is a new company from the first on that it was close under so I am asking again please to let them know its not me thanks
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any account or inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file.

Please ensure that the following accounts and inquiries are blocked and deleted from my credit report : ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$3000.00} 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 XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I have a derogatory mark on my credit score from rapid cash LLC. During that time I was going through financial hardship from job loss. The interest rate that was applied to this loan was too much for me to pay at the time and it took a while for me to get back into the workforce and now I have not been able to get a hold of them in order to resolve this issue. I would like to be forgiven the negative remark on my credit report.
Product: Credit reporting or other personal consumer reports

I notified Experian that I am a victim of identity theft, I see errors on my credit report. Experian i have the account XXXX XXXX XXXX Account number XXXX that says it was paid in a settlement. THIS IS NOT MY ACCOUNT and I didn't pay anything in any settlement. THERE ARE ADDRESSES ON MY CREDIT REPORT AS WELL THAT I HAVE NEVER LIVED AT
Product: Debt collection

I am a XXXX XXXX worker, and work at XXXX XXXX. 
During Covid, I was marked late for XX/XX/XXXX, for my Comenity and Express cards Comenity Bank Express card : XXXX and Victoria Secret Card : XXXX. 
I had over $ XXXX in my checking account to make the payments on these, however I came down with XXXX  and the rest of my family was XXXX  as well. 

I was in no mental and physical shape to attend to my mail. I was sure that I had made a payment online, but apparently Comenity claims nothing was received. 
After finding out I was marked late checked the Comenitys website which said I would only be marked late if payments werent received for 60 days, however I was still marked late despite not being 60 days late. 

I am trying to apply for a mortgage and these late payments have destroyed my chances. Im a loyal and happy Comenity customer, Ive read Comenity has made adjustments for people affected by Covid and I hope that Comenity can remove the XX/XX/XXXX, late payments off BOTH my accounts, given that Im a XXXX XXXX. 

Accounts information : Account information number 1 : Account name : COMENITY BANK/EXPRESS Account number : XXXX Balance : {$83.00} Date opened : XX/XX/XXXX Account status : Open Account information number 2 : Account name : COMENITYBANK/VICTORIA Account number : XXXX Balance : {$1500.00} Date opened : XXXX XXXX, XXXX Account status : Open Please see attached my XXXX XXXX ID. 

Solution : remove XXXX late payments XXXX from my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX ( Original Creditor : XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$280.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

Transunion refuses my right to free and fair consumer report. Transunion refuses to remove inaccurate addresses which is a violation of 15 USC 1681 despite being sent proof of the correct information along with proof. In fact they are adding addresses that weren't previously there and not attached to any account. TransUnion also has XXXX XXXXXXXX left on my report attached to an address that is not mine reporting. This XXXX need to be removed as well. Transunion received their information from public records without checking the accuracy the account which I know because the courthouse that is listed does not share information with the credit bureaus as shown in the attachment. This is a violations of 15 USC 1681 and Sections 609 & 623 of the FCRA.
Product: Debt collection

I have a XXXX XXXX XXXX  account. I was given a piece of mail to an address thats not my address by someone I called the number on the letter and was told that this is a debt from XXXX. I have an easy pass account an active easy pass account and there is a charge of {$88.00} that this XXXX  XXXX agent is do they have XXXX addresses XXXX address is in XXXX and the other address is in XXXX. This is many violations XXXX among many violations of the Fdcpa when I contacted this collection agency I was told to send a letter yet they went through violation means of sending this wrong full bogus debt to an address so I dont live that ad again I have an active easy pass account. This should never have come to me. The actual balance was for XXXX dollar so its a easy pass account that was charge for a dollar but yet theyre charging for administrative fees, voluntary ambulance fees, violent crimes fee, civil penalty fees, and all things that do not exist. This is one among many violations, Consumer, violations, and Fdcpa violations.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

A long time ago, I opened an ESA for my daughter. The bank ownership changed many times but landed on Capital One. A couple of years ago, I closed the account and awaited a check. The check arrived too late to cash anymore. I have been actively seeking a check reissuance ever since. The process seems impossible and any time I think I've figured it out, I have to start all over. At this point I certainly feel like I am owed some additional interest. Still just trying to get anything at all.
Product: Debt collection

I've been receiving text messages from the phone number ( XXXX XXXX XXXX 

On XX/XX/XXXX at XXXX, I received the following text message : This is TrueAccord, a debt collector. View your account summary and select a payment option : XXXX XXXX XXXX. Reply STOP to opt out. 

On XX/XX/XXXX at XXXX, I received the following text message : This is TrueAccord, a debt collector. Your account summary is ready for you. View all the details here : XXXX XXXX XXXX. Reply STOP to opt out
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally register a complaint concerning several issues related to my credit report, specifically regarding multiple collection attempts and unauthorized inquiries. 

I recently reviewed my credit report and discovered several problems that have negatively impacted my creditworthiness and financial well-being. I wish to highlight the following issues : I have identified multiple entries on my credit report indicating that I owe debts to collection agencies. To the best of my knowledge, I have not incurred any debts that warrant collection efforts. These entries are not only inaccurate but also damaging to my credit history. I have also noticed several unauthorized credit inquiries on my credit report. I did not provide consent for these inquiries, and they have adversely affected my credit score. I suspect that these inquiries are a result of identity theft or errors in reporting. 

I understand the importance of accurate credit reporting and its significant impact on my financial stability. The inaccuracies on my credit report have caused undue stress and have hindered my ability to access financial products and services. 

I kindly request the following actions to address these issues promptly : Investigate and correct the inaccuracies in my credit report, including the removal of unwarranted collection entries and unauthorized inquiries. 

Provide me with a detailed explanation of the circumstances surrounding these inaccuracies, including how they occurred and the steps taken to prevent their recurrence. 

Issue a formal letter confirming the corrections made to my credit report and ensure that all credit reporting agencies have been notified of these corrections. 

Implement measures to safeguard my personal information and prevent unauthorized access to my credit report in the future. 

I expect a thorough and swift resolution of these issues, as the inaccuracies on my credit report are causing significant financial harm and distress. Failure to address these concerns satisfactorily may compel me to seek legal remedies to protect my rights as a consumer. The following items are needs to be removed : XXXX XXXX XXXX  XXXX Balance Owed : {$7800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and noticed fraudulent accounts. Please remove this accounts from my report, they're hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an existing open mortgage in Good Standing with NewRez / Shellpoint Mortgage company. NewRez / Shellpoint Mortgage company is not reporting my mortgage information to XXXX or XXXX credit reporting agencies. 

I have been trying for over 1 year to get them to report it. XXXX and XXXX both say they are not getting my mortgage information from NewRez / Shellpoint Mortgage. The problem is impacting my credit score at both XXXX and XXXX because neither company shows I have a mortgage. 

Current Principal Balance {$420000.00} Regular Monthly Payment {$3600.00} Next Payment : XX/XX/2023 https : //signin.shellpointmtg.com/signin/myaccount
Product: Mortgage

My husband and myself had a home equity loan through a local bank. It was sold to a company called XXXX. I have been paying my agreed upon monthly payment for months. One day out of the blue, they decided to start putting part of my monthly payment into an escrow account to pay my taxes and insurance. I had never agreed to this. My taxes were already paid and have never been overdue. This caused my account to look like I wasn't paying my full payments on my mortgage. I was told to send a written letter to them, saying to not escrow my taxes as I pay them. I sent the letter to them and they still have been putting part of my payments towards my taxes. 
XXXX has since gone bankrupt and my loan was now sold to Shellpoint. They have continued to escrow my account for the taxes. I have tried to resolve this through multiple phone calls with no avail. I contacted a lawyer at XXXX XXXX XXXX XXXX, and have been working with my attorney, XXXX XXXX. Shellpoint/XXXX and Mr XXXX had agreed upon an monetary amount to rectify my account. I sent a check in the amount of {$2600.00} to satisfy them, ( even though I never missed a payment, or was technically overdue on my payments ) but they continued to escrow my account and report that my account was not up to date. He has sent them multiple letters to have them correct the account, again, with no avail.They have been reporting to the Credit bureau that I have not been paying and therefore have been ruining my credit for years now. Even as of today, they are still charging me, escrow accounts, Insurance, late fees, property inspection disbursement and whatever else they feel like adding to my account. I will attach letters from my attorney to verify the above information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim to identity theft, as I dig d not approve any information to be used in my name. I am requesting that the fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Theft Affidavit in regard to this incident. I have listed the additional fraudulent accounts below : XXXX XXXX XXXX : Account # : XXXX XX/XX/XXXX, Amount : {$170.00} XXXX XXXX XXXX : Account # : XXXX XX/XX/XXXX, Amount : {$2700.00}
Product: Credit reporting or other personal consumer reports

Subject : Request for XXXX of XXXX XXXX XXXX XX/XX/year>. 

Dear Transunion, I am writing to formally request all information used by your bureau to verify the inaccurate late payment reported on my credit file related to XXXX XXXX N.A. Account XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, any unverified and inaccurate information must be removed immediately. 

Please provide me with all details your office utilized to verify this incorrect late payment, including, but not limited to, information from public record websites or any third-party vendors involved in this verification process. Specifically, I would like the following information : - Names of the companies involved - Addresses of these companies - Phone numbers- Websites of the third-party vendors If there is a failure to comply with this request to produce evidence of the XXXX XXXX XXXX removal request, I expect this account to be updated as paid. If necessary, instruct my legal team to file a complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Florida Attorney General. We XXXX also pursue any further legal actions deemed necessary, including civil and punitive damages. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX