23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX Amount {$560.00} Collection agency CAPIO PARTNERS LLC Original claimant is XXXX XXXX XXXX Tel XXXX capio partners Tel for XXXX XXXX XXXX This bill doesnt belong to me thats either an identity fraud or misinformation Because Ive never been to XXXX Florida I live in XXXX XXXX and this XXXX XXXXXXXX XXXX is a medical company in XXXX, FL gave collection through Casio partners.

I never had any visit or relation with this company.
Product: Credit card or prepaid card

Information was sent on numerous occasions, from XXXX and XXXX of XXXX with the correct documents with proof of a notarize letter, the items were disputed again in XXXX and sometime again in XXXX and XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

Data breach happened, per 15 USC 1681c2 please block and delete this item within 4 business days. Please delete the following Accounts : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX does not have documentation to show these were in fact authorized it must be removed asap. XXXX company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX is securitizing consumer data yet refuse to provide consumer a copy of their Consumer FILE not Consumer Report ... XXXX is Also Refusing to Re-Investigate According to15 U.S.code 1681a & b Theres no written consent..
Product: Credit reporting, credit repair services, or other personal consumer reports

After Hurricane Maria passed through Puerto Rico, all financial institutions offered a three-month moratorium on their different loans. In addition, it was reported that no surcharges would be charged during this period and that arrears would not be reported to credit agencies.

In my case I did the whole process as indicated by the financial institution and after several weeks they called me and informed me that the moratorium on my mortgage loan was approved and they gave me a date to present me with some documents to sign the agreement. This appointment was canceled until further notice.

Meanwhile, I am in negotiations with another financial institution to obtain a personal loan which I can not obtain due to the low in my empirical. So, I request a report from the credit agencies and it is there that I realize that I have registered three months behind on my mortgage loan. Since then I have tried to resolve the situation with the XXXX XXXX XXXX and XXXX XXXX without any success.
Product: Debt collection

I am going thru a divorce and my estranged husband is supposed to make the house payments until I take over XXXX XXXX, per our agreement. He is not making the payments on time, therefore, creating several dollars in late fees. I am receiving phone calls every day, every two hours, several times on weekends. I have explained the situation, going thru divorce so on and so forth. This is very stressful for me and it has got to stop! I understand the payments need to be made, but per the order he is to pay the payment.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found that there are incorrect late payment marks being reported. These late payments are inaccurately listed, and I have attached supporting documentation to prove that the payments were made on time or not as reported. The presence of these incorrect late payment marks is negatively affecting my credit score and does not reflect my actual payment history. 

I am requesting that these late payment remarks be corrected or removed from my credit report to accurately reflect my true payment history.
Product: Credit reporting

Hi, My name is XXXX XXXX. I recently logged online and reviewed my credit history with XXXX and TransUnion and I saw there were several hard inquiries which were not authorized. I suspect that this could be an attempt of ID theft. Here are the names and dates that my credit was hard pulled. 

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 Why would they continue to pull my credit report is beyond me. Anything you can do to remove these from my record would be greatly appreciated. Again thank you so much for your help. 

XXXX XXXX
Product: Debt collection

I dispute the accuracy of this account. I want to cease and desist because Transworld Systems Inc is not authorized to collect any debt in Pennsylvania. Theyre not registered to do business in the state of Pennsylvania .
Product: Credit card or prepaid card

XX/XX/2018 revolving credit bill for {$200.00} sent *** XX/XX/18 - payment of {$200.00} credited to my account *** XX/XX/2018 - bill for {$2.00} finance charge sent for payment *** XX/XX/2018 - after XXXX, {$2.00} fee refunded *** About XX/XX/2018 I filed complaint with PA XXXX of Attorney General concerning improper ( fraudulent? ) transaction/interest fee imposed on XXXX XXXX XXXX XXXX XXXX XXXX complaint read ... On or about XX/XX/2018 I made payment of {$200.00} which was the total amount owed on my revolving XXXX account. This was payment in full on the account. Subsequently, XXXX sent a bill for {$2.00} due on XX/XX/2018, ostensibly for interest due. The billing statement on the back states ... we eill not charge you any interest on purchases if you pay your New Balance by the payment due date each month. ... This bill for {$2.00} violates that agreement. XXXX XX/XX/2018 XXXX responded that ... the {$2.00} interest charge on your XX/XX/2018, billing statement was for the interest charged on your account due to the balance you carried over from the previous billing period. Specifically, you were charged interest for the balance between the last bill date of XX/XX/2018 and the date XXXX XX/XX/2018 ), that your {$200.00} payment was received for your account. ... *** When I spoke with XXXX XXXX ( XX/XX/2018 ) she insisted that interest charged was due to credit extended between XX/XX/2018 billing statement date and date payment was actually received ; that XXXX XXXX XXXX XXXXk ( XXXX ) made such charges part of their credit agreement ; that the XXXX credit card disclosures, paragraphs when interest charges begin and grace period on purchases allowed that interest charge.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal request for assistance regarding a situation with XXXX XXXX XXXX XXXX that has negatively impacted my credit report. I have recently applied for a credit card through XXXX XXXX, and I was informed that my application would not result in a hard inquiry, only to later discover that the application did indeed result in such inquiries. These inquiries have been listed on my credit report following the rejection of my application. 
As a consumer, I rely on clear and accurate information when applying for credit products, especially regarding the impact on my credit score. I was misled by XXXX XXXX communication, which suggested that the application would not generate a hard credit inquiry if my application was not approved. However, after being declined for the credit card, I was surprised to find that my credit report now contains hard inquiries that were not disclosed as potential consequences of applying. 
I believe this situation constitutes a form of misleading advertising or misinformation, and I respectfully request that the CFPB intervene to assist in the removal of these inquiries from my credit report. The negative impact of these inquiries on my credit score is significant, and I feel that it is a direct result of being provided with misleading information by XXXX XXXX. 
I have made multiple attempts to resolve this matter directly with XXXX XXXX, but they have not been willing to remove the inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

Freeze all information that you have on my name, XXXX XXXX XXXX. And I am saying not to release my information unless I Authorize you personally to do so
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against Equifax for failing to correct the inaccurate reporting of late payments on my credit report for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Despite multiple requests for correction through letters dated XX/XX/scrub>XXXX XXXX XXXXXX/XX/year>, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of the information reported in consumer files. In my case, this requirement has not been fulfilled, as the same errors regarding late payments have persisted across multiple disputes. 
Additionally, under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments on my account indicates that this requirement was not followed. 
TILA Violations The Truth in Lending Act requires accurate and timely disclosures to consumers. The inaccurate reporting of late payments on my XXXX XXXX XXXX has caused unjustified harm to my credit score and financial standing, violating these obligations. 
Protection Against Non-Payment of Obligations Act ( PAANL ) The Protection Against Non-Payment of Obligations Act ( PAANL ) also reinforces creditors ' responsibility to issue timely billing statements to avoid unfair penalties. The errors in my accounts late payment reporting show a failure to meet this requirement, leading to unjust consequences. 
Pattern of Inaccuracies The discrepancies in late payment reporting across all three credit bureaus show a pattern of inaccurate information. These errors are causing harm to my credit score, despite my previous disputes. The information reported by XXXX, XXXX, and Equifax is not only inconsistent but also incorrect. 
I formally request that these errors be corrected and removed from my credit report immediately. If these issues are not resolved promptly, I will escalate my complaint further, including filing additional complaints with regulatory agencies and pursuing legal action to protect my consumer rights. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I walked into a local branch in XXXX CA to pay off my wells Fargo card and at a later date reapplied for a credit card..they denied me for not paying my credit card balance off..I received a receipt at the bank and requested a pay off letter however did not receive the letter..to this day, XXXX years later it Appears unpaid on my credit reports..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, [ First Point Collection Agency 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX repossession My credit file has been hacked in the past and someone used my information. XXXX did remove this due to invalid information and it is still reporting. I have a agreed to pay half of this amount to get this removed but when I contacted the company the told me attorneys were involved and my total was now XXXX.
Product: Money transfer, virtual currency, or money service

I do not know if you can help me or not. I decided to say something after my mother was involved in a class actions suit and received a settlement for the same type of company. About ten years ago I signed up with a debt settlement company. I thing there name was XXXX XXXX. All I remember is that they took money every month and put it into an account at XXXX XXXX XXXX. They said they would settle my debt. I was told to have all my creditor 's contact them and they would handle everything. I paid a large sum every month and all I got was liens and a wage garnishment. When I told them I no longer wanted to work with them and wanted my money back that was being held in this account, I was told that the money was not refundable as it went to pay their fees.
Product: Credit reporting or other personal consumer reports

My account with FSTPROGRESS was never late! I have had exceptional payment history with FSTPROGRESS and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

FSTPROGRESS Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I paid the company XXXX XXXX XXXX since XX/XX/2021 my balance due and retrieve my belongings before it went to auction. I provide receipts and proof of payment. ICS credit collection refused to remove item from my records and is claiming that i owed the balance {$850.00}. The storage company has attempted to report that has been paid but collection clients services is basing on a third party to get auction list and information. This has caused lot damages and pain to my credit and has prevented me prom accede to loan for my business or get a house mortgage collection company Company : I.C. SYSTEM, INC Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX
Product: Mortgage

I spoke to a very nice supervisor in iowa branch, and her name is very nice lady, wells fargo is charging me a {$320.00} for my escrow account, my loans was sold to them, and I signed agreement, that I 'm not responsible for such dues, then yesterday XXXX XXXX, 2017 I received a letter from them saying I have to pay them XX/XX/XXXX, and those are not legal, when my loans was transferred to them, I 'm not responsible for what ever escrow account bills I will received. This company is taking advantaged of the loans, that they bought it, I 'm asking if this agency will do an investigation, because this amount of money is too much for me. this mortgaged company has practices, of taking advantages, of let say the loans was bought from them, the poor home owner, who do n't know anything, one day they Wells Fargo will just received a letter saying I owed them.
Product: Debt collection

Someone is using my information to open fraudulent utility accounts. Recently I became aware that a fraudulent account had been sent to collections by Transworld ( I was alerted by my credit monitoring ). I contacted Transworld and let them know that it was a fraudulent account and that I have never resided in Texas. They asked me to file a report at XXXX, which I did. I also sent them copies of my drivers license, power and Natural gas bills here in Oregon during alleged time, and copies of my mortgage statement proving I reside in Oregon. I have heard nothing from them.
Product: Credit reporting or other personal consumer reports

Duplicate address shown for Experian. Please delete Multifamily residence : XXXX XXXX XXXX XXXX NY XXXX ========================================= ***This is a violation of XXXX XXXX XXXX XXXX ( XXXX ) Removal of Inaccurate/invalidated credit information. Please remove XXXX Experian XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX is a violation of XXXX XXXX XXXX XXXX ( XXXX ) Removal of Inaccurate/invalidated credit information. Please remove XXXX XXXX not add any fraud alerts to Experian nor XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I was notified my Info was breached in The XXXX XXXX Breach, I filed an FTC AFFIDAVIT and notified the credit bureaus. 

TRANSUNION has continually viloated my rights as a consumer without protecting my rights and to report accurate and verifiable info. 
Transunion has not given me a chance to acquire free credit reports from their online website and I am unable to dispute erroneous info on my report. 

Under 15 USC 1681 everything must be accurate and correct. 
I have never had this account and this account was fraudulantly inputed on to my credit report. I want this removed. 

This account was fraudualntly opened in XXXX and now has illegally been reaged, this is fraud and blatant violation. 

XX/XX/XXXX ( XXXX mos ) {$0.00} Remove this account or I will pursue legal action.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

These inquiries are unauthorized and I am victim of identity theft. 
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 card or prepaid card

I have contacted Chase Freedom Card Visa five ( 5 ) times in order to transfer a large credit balance ( $ XXXX ) to my Chase checking account. The credit balance is the result of a cruise line credit due to cruise cancellation from COVID-19. Each conversation with Chase produces a different answer. At this point, the credit ( {$21000.00} ) has been removed from my Visa account, however, I have no idea where the funds are. I was advised that I would receive an e-mail detailing my options. No e-mail has been received. I have received two ( 2 ) text messages directing me to a link which requests a password which I don't have. Chase Visa advises that I could not have received a text message. 

I have been misinformed, disconnected, and generally been given the run-around. The monthly Visa bill for this account has been directly paid for over twenty years from my Chase checking account. Nevertheless, Chase claims they can not move funds the other way!! I have no idea where my $ XXXX is and Chase Visa advises that it could be another TWO WEEKS before it may arrive by check. Then, again, it may not. 

PLEASE HELP!!!
Product: Mortgage

We were behind on our mortgage and sent in 2 checks to Mr. Cooper our " loan specialist '' XXXX XXXX stated they did not receive the payments in XXXX. In XXXX they stated we had to pay {$5600.00} in order to not be foreclosed on. We wired this in, when we did they still stated they did not have these 2 checks. They told me to issue stop payments on them. We did that then all of a sudden after the wire payment the 2 checks appeared both were already stopped payments. 

We were told by Ms. XXXX if we cured the default she would wave about {$900.00} in fees and we would be responsible for a couple of hundred remaining. When I asked about this she stated it was just a thought she had but she can't even though it was clearly stated in 2 separate phone calls in the beginning of XXXX. 

I was told by XXXX XXXX a supervisor as well as another supervisor XXXX that they would reimburse the stop payment fees seeing as they had them the whole time. I sent proof and they are still not reversing them and we are being hit with returned check fees. 

The {$5600.00} that was paid was including the month of XXXX as the account had to be made current. We mailed out the {$1200.00} check to cover XXXX 's payment. they received it on XX/XX/19 and it shows cashed but they did not apply it to our account. When I call they just pass the blame on to me to find the cashed check where they miss applied the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 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 XXXXXXXX