23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I closed my acc with XXXX XXXX XXXX ( a processing credit card payment company ) on XX/XX/XXXX in good standing to switch to a different company with better rate. Even after closed merchant acc and not providing services, they still try to to steal ( debit ) my bank monthly. So we had to go ahead change our bank acc number. 
On XX/XX/XXXX, they sent me an email claiming that i have a balance of XXXX $??? I guess they tried fo steal from our bank but can not, and that {$87.00} is original from their monthly fee of a closed account that they think they have the right to collect. Another word for it is Fraudulent Bill. 
XXXX created their own fraudulent bill, keep adding up on what so call unpaid balance to XXXX $ ( attach is the image of their bill as of XX/XX/XXXX ) Finally they try to have XXXXouth West Recovery Services to collect it for XXXX $??? ( attach is the image as of XX/XX/XXXX ) I attached all the pictures to prove im honest and telling the truth. Since the date i closed my merchant account til now. 
I called SWRS to validate the debt, first they acted like their computer was down so they couldnt locate my account. Then a week later-today A lady named XXXX from South West Recovery Services call me while im working and harrash me on an unvalid debt, i told her i will report this to Federal Trade Commison & CFPR . She said OK OK like she dare me to report her, then rudely hang up on me. 
Technically they tried to hold my good credit XXXX for their unvalid and unaccurate debts with hope to scam some more out of us. They target newly business owners like me, dont speak very good XXXX and have know so little about law, with hope we will give in so they can take advantage of us more and more. Like throwing the spagetti to the wall and hope it will stick somehow. 
XXXX XXXX XXXX created fraudulent bills for SWRS to collect. Then SWRS use the same method that XXXX XXXX XXXX use. Debt parking on random people with hope people settle an fraudulent and unvalid, unaccurate debt when theyre trying to apply for mortgage/loan because the negative mark on credit reporting they wrongly created could hurt the chance for these innocent people of securing a loan. 
These company think theyre above the law somehow, scam people everyday and think theyll never get caught. Im wondering how many of their victims already did fall and will fall for their scam?? very sad Any more question or proof, Please dont hestitate reach me at XXXX or XXXX Thank you so much Sincere XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding an ongoing collection attempt by Midland Credit Management for a debt that was sold to them by XXXXXXXX XXXX  and XXXX XXXX Bank. This debt was paid off and forgiven by [ Previous Company ], yet the second agency continues to pursue me for payment. Enclosed is my documentation, including proof of the original settlement and a cease and desist letter I have sent to the second agency. 

I request that you investigate this matter and take appropriate action to have this debt removed from my records. 

Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, I take pride in my credit and I value it very much. I have been trying to contact XXXX and Equifax with regards to reporting a late payment from XX/XX/XXXX on this account XXXX/XXXX and XXXX XXXX XXXX the big issue is that they are lying about verifying the late payment when the company is out of business and has been for quite some time. These credit bureaus need to do their jobs and actually contact the company and verify what complaint/dispute is being made. This account has been closed out since XX/XX/XXXX and I have been trying to get this falsely 30 day late payment removed from this account and it still has a negative reporting on my credit profile. All I want is for them to do their job and get these 30 day late payments removed from my credit report as soon as possible. They are always saying that it was verified when they are not even contacting the company. 

Kind Regard, XXXX XXXX
Product: Checking or savings account

Person who signed check over to me came to branch with me and with check in hand. We gave the check to banker and told her the company is showing check was cashed by bank BMO not on a freeze. Therefore this has caused me to not have XXXX of my auto pmt to my homeowners ins not paid, now Im sitting with no homeowners ins. I live on a fixe come from my XXXX and my widow benefits. I talk to fraud dept and they were very hateful to me, when I asked for their supervisor name. The girl said Im the supervisor Im the one whos doing it, I asked again she replied by sighing heavy and discontinued the call. I do not have her name or any other, although I am told when I calll in 15 days, then 30 days, the last one today up to 45 days. 
I am XXXX XXXX XXXX and stress is a major factor in keeping my XXXX XXXX check preventing a relapse which cause more XXXX XXXXXXXX. 
Please help time is getting closer for my checks to be direct deposited and they have already told me my auopmts will not be paid as they did with my insurance. I dont know what else I can do, please help my power bill is about to be disonnected also,. With all this stress I dont think I will ever help another friend again, if This is what going to happen Thank you XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Enhanced Recovery Corp h as Re-aged original  XXXX  debt that is noti  e to  begin with.  XXXX  resold account after failure to verify account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My original complaint against Experian was on XX/XX/XXXX after I pulled my credit report on XX/XX/XXXX and saw that Experian was continuing to report a negative collection account after a company has already agreed to delete the item. XXXX XXXX sent me a confirmation letter on XX/XX/XXXX confirming they had already sent the request to the credit bureaus to delete the account. Experian responded on XX/XX/XXXX and stated that the account was not reporting when in fact it was at the time of my FIRST complaint. I would like for Experian to be held accountable for falsely reporting information and comply with the companys request to remove the debt.
Product: Vehicle loan or lease

The date that this loan was open was XXXX XXXX and the amount that they are saying I owe is {$14000.00}. I applied to get a car from the creditor but was denied but they are saying that I got the vehicle and didn't make the payments. I never received the car and when I tried to reach out to them I could never get in contact with anyone. So to my understanding they took this off my credit but within checking my credit report I see that they are still on there. They are saying as of XX/XX/2015 I owe {$1900.00} which is not true!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card...

418 account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

Roughly around XX/XX/2019. I was shocked to have received a message from American Express stating that credit limit was forcefully decreased by roughly 33 % ( went from {$10000.00} to {$7000.00} ) which directly impacted my credit score by 25 points. 

Since receiving the card, I had a much lower limit. Over time, I was given periodic increases, maybe 3 over the years and got it up to {$10000.00}. I received many promotions for new cards, but i was happy with my current one. 

I have not missed a payment, I have not had any abrupt credit issue that would impact my score, and I take pride in being a responsible credit card user. 

Never in my wildest thoughts, being responsible would result in being directly retaliated against resulting in credit damage impacting my ability to receive the best rates I had earned through credit worthiness. 

I am hoping to get the resolved and reinstated as this was not in the terms of my agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears in XXXX  credit report to accounts from citi bank with late payments, this information is incorrect since I never pay late and I spoke to the bank and they said they don't have any negative information from me in there records. I also dispute this accounts with XXXX and they return it saying that everything is correct which is not.
Product: Debt collection

Portfolio Recovery Associates is a sinister company they have double damaged my credit with XXXX different companys harrasssinmg me non stop EVERY XXXX DAY FOR 10 YEARS! my XXXX can you do something about this im going crazy im desperate for you guys to delete them out of my life forever please i beg you. this guy in 2009 threaten my life on the fone he wont let me hang up and i was driving on the freeway and thats illegal here. please im scared of them. they have XXXX type of coworkers im scared for my life. thank you XXXX please save me thanmk you.
Product: Debt collection

The debt in question was paid on XX/XX/XXXX as seen on my bank statement, and the paid in full letter from XXXX. 
On XX/XX/XXXX i received a new letter from Convergent, claiming i still owe for same account at XXXX XXXXXXXX. 
I called XXXX XXXX twice to confirm account is closed and no bill is due. confirmed on second call with XXXX. I was also told that XXXX XXXX did not send/report a new collections to Convergent. 
Called Convergent to clarify situation, was told that Convergent just received the collections from XXXXXXXX XXXX on XX/XX/XXXX, then send me the notice on XX/XX/XXXX Convergent was no help in trying to clarify situation just kept stating that i owed the money.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act. Cash app failed to take timely and effective measures to prevent and adress fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive. They did not comply nor tried to help with any error resolution requirements, under the ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card

On XX/XX/year> my American Express Hilton card was charged for {$940.00} by XXXX CA XXXX. I did not authorize this purchase or give the merchant my card details. I also have not received anything from the merchant. I tried to initiate unauthorized charge dispute myself online via American Express self service tool, but it does not work. I also tried to chat with American Express customer service on XX/XX/year>, and XX/XX/year>, but during both interactions the customer service representative refused to do anything about the issue. Hopefully this complaint reaches someone at American Express that can actually do something about the fraudulent charges. I've attached my latest statement and a screenshot of the charge to make it easier to find.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXXXXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payments were made on time, as evidenced by my bank statements and payment confirmations, which clearly show the payment was processed before the due date. These payments should not have been marked as late. 
Bank Processing Error : There was an internal error at XXXXXXXX XXXX that delayed the application of my timely payment. The error caused the payment to reflect as late in the system, even though I had sent the funds on time. I have attached communication records with XXXXXXXX XXXX acknowledging this error and confirming that the payment was received. 
Misapplied Payments : The payments were incorrectly applied to the wrong account due to a clerical error. I contacted XXXXXXXX XXXX immediately when I noticed the issue, and they confirmed the error. However, the late payment entries were not corrected in my credit report despite the banks acknowledgment of the mistake. I am attaching documentation of my communication with XXXXXXXX XXXX as further evidence. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

CCS COLLECTIONS trying to collect {$130.00} which i don't owe to them
Product: Credit reporting or other personal consumer reports

Synchrony Bank will not assist me with the status of a dispute I filed in XXXX against Synchrony Bank. I have call Synchrony Bank over the last XXXX  days regarding my request to view my last XXXX statements XX/XX/year> - XX/XX/year> so I can check that status of a refund that was issued to me by XXXX to my XXXX store card. It takes for every get a person, and the phone, and when you do, it the situation is complained they hangup especially after asking to speak to a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX to trade my current XXXX which Im leasing and wanted to purchase and was not approved. There are items on my credit that are not mine.I have reached out to the FTC and my local police. Please have these items removed from my credit report XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX/XXXX. I'm doing this own my own behalf.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was scammed through Zelle through my bank account XXXX XXXX XXXX. They took {$800.00} from my account, I called XXXX that same day and reported what was going. The next day a representative from Zelle called me for more information on what happened. The representative on the phone told me they would be doing an investigation and that I should hear back via mail in 7-10 business days. It is now XX/XX/2022 and I haven't heard anything.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

When reviewing my credit report, the account in charge-off has an inaccuracy since the account did not have late payments in the month of XX/XX/year> and the following month XXXX it went to charge-off, this is incorrect. I attach a file to review my payments for that month mentioned above and edit or delete the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are in accurate reportings on several accounts, late payments and charge offs that are not true
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act XXXX Account # 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 XXXX Bankruptcy, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Mortgage

XXXX paid our Insurance Company ( XXXX ) once then stopped paying them. However, XXXX kept charging us monthly for insurance in escrow account. 


XXXX insurance dropped us at our property for failure of payment. We were never notified by XXXX about them not paying XXXX. We only found out when I called with a claim. XXXX told us that they dropped our insurance. 
I called XXXX who said they still had money in account but they have now transferred our loan to XXXX XXXX. 

Basically, we need money in escrow account and we feel we should have been covered by XXXX. XXXX failed to continue to pay XXXX without notifying us. An agent at XXXX would not give me her last name said XXXX made two phone calls to XXXX, but that is it. 

We are expecting our Neigbor to sue us for water damages, and we are uninsured because of XXXX failure to pay and failure to notify us ( owner of property ) about not paying XXXX. What is most confusing is that XXXX made one payment to XXXX then decided to stop. 
We kept paying our normal mortgage which included Escrow account. XXXX kept the money but stopped paying XXXX without telling us anything. 

Now that XXXX XXXX has the loan, XXXX is washing their hands of this, and saying that we need to take it up with XXXX XXXX. 

Each time I have contacted XXXX they have been non responsive, putting me on long holds then hanging up on me. XXXX and XXXX are both at fault but XXXX is the reason XXXX was never was paid. 

XXXX failed to communicate with us about the insurance not being paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XXXXXXXX XXXX XXXX I have been trying to have my credit reported updated to reflect my credit history accurately. I have sent letters to each of the three ( 3 ) major credit reporting agencies ie XXXX, TransUnion and XXXX. I have disputed information that each agency has received from third party agencies which was done without my consent. I have asked each company to remove this incorrect/unverified information from my credit reports and all three ( 3 ) have refused to do so stating that they verified the accuracy of these reports. This information could not be verified correctly and the FCRA states that a CRA must remove or correct inaccurate or unverified information from its files. In the time frame given, up until today which is XX/XX/2022, these corrections have not been made.
Product: Mortgage

My name is XXXX XXXX. I live in California. I am an existing customer of PennyMacUSA Bank. I got an email from my mortgage bank PennyMac regarding to reduce my interest rate by refinancing my loan. On XX/XX/2021 i submitted my application to the loan officer and after communicating with the loan specialist and so on i was waiting to close my loan which on XX/XX/2021 i got an email from pennyMac which was telling a decision has been made on your Loan Application then i opened my portal and i saw that they denied my credit because of too many inquiries and too many accounts with balances. I called them many many times to talk to somebody to see what's going on but every time they put me on hold and disconnect my phone call or they told me somebody will call you but so far nobody called me. First of all i had lot of inquires in last 12 months but i do not owe any thing on my credit cards. Maybe couple of XXXX dollars. beside that based on the information which they got from credit Agencies why they keep me for almost three months after wasting my time and energy they should tell me in advance. On the credit company Agencies report shows exact date of my credit run which is XX/XX/2021. Beside that my credit scores are excellent based on credit agencies.
Product: Credit reporting or other personal consumer reports

I called the equifax today and the phone number is ( XXXX ) XXXX at XX/XX/XXXX at XXXXXXXX XXXX. and the agent told me that there is a hard inquiry on my record or account and I don't have any knowledge about it. The hard inquiry in my account is unauthorized. I want it out on my record because there should be no hard inquiries on my account and that is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a FTC report with inquiries I did not authorize and I do not recognize. Please remove from report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I contacted Transunion LLC and XXXX to have non-holding account inquiries removed from my credit report that I did not authorized. They refused to do so and did not send any validation showing that I did under the Fair Credit Report Act. 

The following inquiries should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX via XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX