23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX/Global Credit work together, at least at times. XXXX or all of these XXXX ( I believe XXXX XXXX ), submitted my name to the XXXX credit bureaus as a negative " no payment ''. All XXXX credit bureaus now have a negative report on me. This is completely unfair and incorrect & below is why : Either someone has fraudulently opened a XXXX card in my name or XXXX XXXX/Global Credit has improperly done due diligence. About a year ago, a XXXX credit application was opened in my name. A small charge of {$38.00} was made. And for continual months thereafter - the XXXX bill was sent to another city with a different zip code! Thus, I never received a bill, and thus I never even knew a bill was supposedly due. Fast forward till now. I do a credit report and find out that my credit is tainted, and at all XXXX credit agencies. I call around & find that Global Credit has been in charge of collecting. But, they have NEVER called me, and I have never received a bill! I 've called ( beginning in XX/XX/XXXX ) Global credit and requested original credit application documentation, and continued calling them every XXXX weeks, and as of yesterday XX/XX/2015, they still do NOT have any supporting documentation of the credit card application. They have also confirmed to me that this XXXX bill was sent to a different city & zip code and NEVER to my address. Yet, in spite of never sending any bill to me, to pay, evaluate if mine, etc., they have gone right ahead & posted a negative credit rating XXXX all three credit agencies )! This is outrageous. You see, supposedly this account is registered in my name. But with a different city & zip code. Hence, I 've NEVER received a bill. Yet, they 've had the audacity to file a negative credit report against me - when this account is either a fraud account or has been mistakenly ( on their part ) mailed incorrectly to some other location and city. And the original bill was only {$38.00}! My credit history has been impeccably kept amazingly excellent over the years. I ALWAYS pay my bills and on time. But, I do n't pay for others ' bills, or for bills which I know nothing about, as I never receive a billing notice. Anyway, I 'll not quit till the XXXX credit reporting agencies have all cleared my credit history. And, I will demand from XXXX/XXXX/Global Credit a letter of apology, as they have done a huge mistake and error in judgement. Anything short of this, will result in legal recourse.
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company national account sys. Is saying I owe a Dabt of {$230.00} this is not my debt and I have not been notified by mail showing proof this is my debt .this debt mark is stopping me getting a mortgage
Product: Credit card or prepaid card

I purchased a XXXX bag on XXXX  for {$2700.00} from a seller named XXXX, and paid through XXXX with my CapitalOne Visa Credit Card. I received a fake pair of XXXX XXXX shoes, not the bag I paid for. 

I contacted XXXX about this and after their investigation, they found other fraud activities from this seller and removed this person from their platform. 

I filed a dispute with my card issuer Capital One/Visa to recover my funds, and provided them all the documents I have, including email from XXXX confirming that this seller is a scammer and has been removed from their platform, XXXX sent them documents siding with the seller based on the fact that a package was delivered to my address, with the tracking number the seller provided, even though the contents of the said package is not what I ordered and paid for. Capital One closed the case and offered no help whatsoever, then referred me back to XXXX. XXXX informed me that they would have refunded my money but since the case went to my card issuer, they are the higher authority so there is nothing XXXX can do now. I also filed a complaint with the Internet Crime Complaint Center. Right now, I am scammed out of {$2700.00}. XXXX, Capital One and Visa have so far colluded with this seller to defraud me. I am trying to recover my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and outdated personal information ( addresses, phone numbers, and employment ) remains on my credit report. I previously requested the removal of this outdated information from all three credit bureaus ( TransUnion, XXXX, and XXXX ), but my request was ignored or not fully addressed. This outdated information is no longer accurate and poses a risk to my privacy and identity security. 
The outdated information includes old addresses where I no longer reside, old phone numbers I no longer use, and incorrect employment history. This information has caused issues with receiving personal and important mail, as it is being sent to old addresses that I can not access. I am worried that my sensitive information may be compromised further due to this inaccurate reporting. 
I have contacted the credit bureaus on [ insert previous request date ] to have this old information removed but have not received a satisfactory resolution. The credit bureaus are required to ensure that the information on my credit report is accurate under the Fair Credit Reporting Act ( FCRA ). The continued reporting of these outdated addresses, phone numbers, and employment violates the FCRA, as the information is neither accurate nor relevant to my current situation. 
I am requesting the CFPBs assistance in ensuring that the credit bureaus immediately remove all outdated personal information from my credit report and provide confirmation of the removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 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.
Product: Checking or savings account

I am trying to contact Wells Fargo as I had an account with them from XXXX and I am eligible for the settlement payment that they are providing to all customers during that time. However I am currently out of the country and no longer have a wells fargo account, so I would like to receive my settlement payment. I am not sure how to receive it, and I have already called and contacted the branch in the US on Sunday XX/XX/2023 via phone call and was told that I need to go in person. However, this is not possible and has created a problem for me.
Product: Debt collection

I had a debt with Convergent Outsourcing for XXXX originally set a payment arrangement with the company to pay the full balance owed. XX/XX/XXXX I made my first payment of XXXX. After making the payment, I asked the company for a receipt showing I made the original payment. I was informed that the payment arrangement was no longer in place because the payment came in a few days after it was originally supposed to. I again requested a receipt from the company showing my payment and on XX/XX/2022, I received an email from a Convergent Outsourcing supervisor showing the payment I made and stating the balance remaining on my account as being {$50.00}. On XX/XX/2022, I made the payment of {$50.00} and requested a letter from the company showing my account settled for a lesser amount. I called the company and told them I made the payment they requested and was informed that they would not honor my payment. I confirmed with the company that I received the letter from a Convergent supervisor with the authority to send this information and was later called by the director XX/XX/2022 saying my account with them would not be closed and it didn't matter what information they sent to me. I requested to speak with the board of directors for the company and the director told me this would be the last call I receive from anyone from the company in reference to closing and settling my account and that the account would remain open regardless of what was sent to me from the company.
Product: Credit reporting, credit repair services, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$340000.00} 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: Checking or savings account

Hi my name is XXXX XXXX I had an account with us bank Me and my wife worked at the same company my company sent money to my account like they always did for my work which was XXXX the bank thought it was fraud and it wasn't my employer verified the bank was suppose to send the money back to my employer so he can redirect it to me this was way back in 2019 my employer still claim the bank never sent him back the funds and the bank refused to give me any kind of proof where they sent money all they do is claim it was sent back that's a lot of money I ask for proof they won't never give me proof and talk nasty to me the lady at the bank was nasty at me treated me bad told me not to come back in someone did something with the funds they never sent it back my employer would not lie the bank branch address is XXXX XXXX XXXX XXXX XXXX XXXX California XXXX could you guys write them and see why it they are not helping m we find out where they actually sent the money to and if they did it's XXXX $ of my hard earn money they just took and never sent back I put the email from employer stating they never received the money back instead of dodging me or not helping can you write them and also send a letter to there corporate office
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about the transaction company Zelle and its handling of disputes, in light of the recent CFPB lawsuit highlighting significant issuers with the platform. Despite the numerous time I have used Zelle and reporting failings, my financial institution and Zelle have failed to investigate my claims adequately. They deemed my case and loss of funds a miscalculation, and saying the return of funds was unfeasible. The CFPBs findings point out the problems concerning consumer safety and financial privacy are neglected, leaving users open to scams. This lack of safety should be acted upon and brings up concerns about security and privacy safety.
Product: Debt collection

XXXX XXXX Account XXXX has been sending me collections notices in the amount of {$970.00} The collection has been reported as pasted due balance.I do not know this company. I have never done any business with this company. This company does not a contract with my signature.
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. XXXX 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 719XXXX  has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX 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 XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I took a look at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX 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  15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Unbeknownst to me I found out that my home was in foreclosure, because I started receiving letters from local attorneys offering to help me with my foreclosure. I was completely blindsided. I contacted my bank and was told that I had missed making 8 payments, hence the foreclosure. I tracked all payments coming out of my checking account and brought that to the attention of the bank representative that I was talking to. She discovered that all of the last 8 payments had been applied to my escrow account. In fact the most recent payment was denied on XXXX XXXX and supposedly returned to my checking account on XXXX XXXX. I have not received the returned check. I have been a widow for a year and a half and due to the unexpected death I was left with XXXX vehicles to make payments on. I was just informed by my nephew who was borrowing one of the vehicles that it was repossessed from his home. Payments had also been made, some a little late. I want to keep the house, along with a loan modification, the payments applied correctly and my missing money returned.
Product: Mortgage

I received ads in the mail suggesting a refinance with no cash out, no fees, no appraisal or credit checkroom my mortgage company. I applied for a refi to lower my interest rate with no cash out with Amerisave Mortgage who now is already the holder of my original mortgage. After signing the initial paper work that was all done electronically, I get a phone call from XXXX XXXX who ask me for a payment of {$390.00} in order to continue the process. I question why he was asking for money when I was not supposed to be imposed any fees. He stated it was not a fee just a something they do at this point in the process and that it would be returned to me in the form of a check. He assured me that this money was not a fee and would be refunded. Reluctantly I continued to ask him to explain and he repeated that this was not a fee and refundable and that they do this all the time. So I paid the ( no fee ) and thought about it for a couple of days and just did not feel they were being honest and I could not find mention of this fee in any of the paper work I had signed and as well why did he ask for the money over the phone when everything else had been handled electronically. I sent them an e-mail asking that the process be ended and to refund my money. A week later XXXX XXXX called and said that they would not refund my money for it was only refunded only at closing. Therefore I appeal to the CFPB for assistance in what I feel is fraud.
Product: Credit card or prepaid card

This is a continuation of prior complaint # XXXX I have spoken with the company Elan again several times plus received a written response to prior complaint. 

I have now verified, and the company confirms, that they are charging me {$530.00} for accumulated interest and fees due to a payment from XX/XX/2019 that they assert was 1 day late, and which I was never made aware of because the statements they have been sending me showed a XXXX balance. They claim that the XXXX balance showing up on the statements they have been sending does not reflect the actual balance as there were 2 'accounts ', even though I have only 1 credit card. The original late fee and interest charge was approximately {$50.00}. So they are charging me > XXXX the original charge, because I never paid it, because I never knew about it. 

The company so far refuses to issue a credit against this charge, even though I have been fastidious for 30 years and have paid for all purchases made within the billing period, so that until this incident I have never paid any late fees or interest. If they had communicated to me letting me know about the fee/interest charge at the time it originally occurred, I would have paid it then. Instead, they maintained the deception that I had a XXXX ' balance every month on the statement they provided. 

I feel this is a case of a deceptive business practice. The company deceptively sent me statements showing a XXXX balance when they were actually continuing to charge me interest on an 'unpaid ' balance that was hidden from me. 

Additionally they have been unwilling to remedy this situation with a fair solution which would be to credit me for the charges. I have faithfully paid for all purchases on time. The disputed charges are only interest being charged by the credit card company on a balance I wasn't aware existed because they deceptively reported my balance was XXXX. 

If they do not remedy this situation, I would have to recommend that others stay away from this company 1st because they were deceptive about what they were doing, and 2nd because they refuse to remedy the situation in a fair manner.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I disputed multiple inaccurate and incomplete accounts with Transunion in the month of XX/XX/year>. The disputed accounts were not resolved. In fact, I believe there was no reasonable reinvestigation performed on the accounts. Nothing changed despite the errors on the accounts that are currently misrepresenting my character, general reputation, and credit worthiness. The Fair Credit Reporting Act unambiguously stated that consumer reporting agencies are required to ensure the maximum possible accuracy of my consumer report according to section 1681e ( b ) of the F.C.R.A. The F.C.R.A also mentioned that severe penalties under section 1681n or 1681o of the F.C.R.A are in place for CRAs who neglect or willfully fail to comply with the laws and statutes put in place regarding their obligation to insure fairness and accuracy of credit reporting. Again, nothing was changed even after providing substantial and clear evidence of the inaccuracies that exist on the accounts I recently disputed. I believe that Transunion did not conduct a reasonable reinvestigation nor did they consider all relevant information in connection to the disputed accounts. I believe the information was swiftly parroted to the creditors and as a result every single account returned " verified and updated '' without actually addressing the real issues that I put them on notice about. Each existing disputed and unresolved account either has misreported late payment notations that are unverifiable and false or payment history that states " unknown '' or " No data '' which means that the account is incomplete.