23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern : Transworld Systems on behalf of XXXX XXXX XXXX has tried multiple times, via mailed invoices, to collect a debt of {$31.00}. The current amount Transworld claims I owe is {$36.00}, which includes a " collection fee '' of {$4.00} ''. This debt is not mine and I do n't know how it was attributed to me. I want to lodge a formal complaint that Transworld Systems is harassing me, attempting to collect funds from me for which they are not owed, and attempting to negatively affect my credit. 

I want to specify that this debt is not mine as : 1 ) I do n't have a XXXX account # ; 2 ) I do n't have budgetary signing authority at my company. 

I tried three times XXXX most recently on XXXX/XXXX/XXXX ) to call Transworld at the phone # on the invoice - XXXX - all three times I received a generic outgoing message that the " person at extension XXXX is unavailable, please leave your message after the tone ''. I want to verify that the mailbox number is not a typo - the message states that long string and does not refer to Transworld being the owner of the mailbox. 

To resolve this matter - I want XXXX and Transworld to send me a letter apologizing for and absolving me of this debt. Also in this letter I want verification that XXXX and Transworld have notified all three credit agencies that this debt is not mine and that it is struck from my credit reports. 

Thank you very much for investigating this claim, and I look forward to your reply XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I was searching for some products on XXXX  for my upcoming birthday By a designer name XXXX XXXX and I had found one item I had like and I contacted the person about it. Everything seemed okay very legitimate. I thought I was contacting the real person. Because He gave me very details instructions and I went through with it. Because they didnt have the item I had wanted on the website. I had Sent him a {$150.00} he then told me my money was not going through. An ask me did I just make my XXXX XXXX. I told him yes. So he canceled the payment and told me try again this time send the whole amount in Increments. So I did that after I sent the {$150.00} again I sent {$130.00} and {$300.00} and another {$300.00}. Not knowing he was scam artist and he fraud designer not the real XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a collection debt that was placed on my credit report a couple months ago, i disputed it with the credit agencies and they showed me nothing in return. I reached out to the collector and got into agreeance that if i paid the balance in full that the account would be removed out of my name and credit report. I made the payment on XX/XX/XXXX and i received the receipt with the letter stating our agreement for me to send off to the bureaus to have them remove it as quickly as possible. I just want to make sure i add in the CFPB into the mix of this thing so that the three credit bureaus will do their job and not do anything.
Product: Credit card

ACCOUNT WAS OPENED AND WITHOUT MY CONSENT OR WRITTEN PERMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap, The accounts are reported as duplicate with different amounts owed XXXX  XXXX, XXXX   XXXX,
Product: Student loan

I made a payment of {$370.00} on XX/XX/XXXX. They pulled that and then another payment for {$570.00} which I did not make or authorize. No one could explain to me where it came from or how. They said they couldnt find anything on how it happened. All the can do is open a case she said. Told me it probably be easier to dispute it at the bank. So now Im out {$570.00} until someone can give me an answer. They also told me to use their email system next time, so I dont have to wait on hold. I informed her I already tried that avenue and get an automated response immediately saying that they are not answering emails at this time. The lady literally laughed at me. Absolutely ridiculous. Sat on hold for 4 hours yesterday because took out 2 payments, one of which no one could tell me why or how. Was told it would be over 6 weeks before getting a refund. This is an absolute joke. This is the third time Ive called this week. Spending more than 2 hours on hold each time just to be hung up on. I have no idea where my money is or when theyll give it back. No one seems concerned but me. I need that money back. They also turn there comments off on XXXX once they start getting overloaded with complaints which is almost every comment. Im not the only person having this same issue.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :
Product: Debt collection

I was looking through my consumer report and noticed that an account with the account number listed XXXX is furnished by Navy Federal Credit Union on my consumer credit reports, as a charge off inquiry. Navy Federal cant report something as both income and debt. 
Its illegal to furnish income on a consumer report, A charge off according to the Internal Revenue Service is income and Navy Federal must fill a form 1099-C ( please provide me with a copy ).

Navy Federal Credit Union has furnished a deceptive form to create a false belief in me as a consumer by reporting information that resulted in defamation of my character, creating a false impression that I was unable to pay the alleged debt.
Product: Credit reporting or other personal consumer reports

i am not liable to this debt with XXXX XXXX i do not have a contract with this collection agency they did not provide me with any original contract as required
Product: Debt collection

This is not my account please see enclosed FTC report. I want this company to remove this and all negative reporting on all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found multiple items on my credit report that I never applied for or ever had. I sent disputes letters information the reporting agencies of these inaccuracies and have not received any response to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to this company several times since XX/XX/2021, Sezzle. They have been reporting the same information to my credit report for the last 3 months stating I owe {$430.00}. When I dispute this information through the 3 credit bureaus they report back stating my information as accurate when I show proof that I owe no such thing. When I reached out the Sezzle they have gave me the run around stating they have escalated this problem to the credit bureau team and it will get fixed that has not happened since XX/XX/2021. Then they said I will have to close out my whole account and reopen it and maybe that will help. This company also is not reporting that I am paying them as far as payment history. It is now XXXX and the same information is there and I actually owe {$53.00}. I have told Sezzle support in email I am no longer addressing this problem with them this has gone too far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim Of identity Theft someone use my personal Information without my Authorization to open account for there Benefits
Product: Credit reporting or other personal consumer reports

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. 

List of Unauthorized 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  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 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: Credit reporting, credit repair services, or other personal consumer reports

The Experian report shows lates under XXXX XXXX that were removed almost a year ago. See screen shot XX/XX/2020 and XX/XX/2020 Experian re added lates that were removed by XXXX XXXX almost a year ago. You would thing after a late was removed it would not be added again. Doesnt Experian keep records so old information isnt added again. Im about to get a lawyer because this is ridiculous and XXXX and Experian are still correct with zero lates.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX MORTGAGE XXXX
Product: Credit reporting or other personal consumer reports

I just applied for a credit card and was shocked to learn that I had been XXXX credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 604 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: Credit reporting or other personal consumer reports

To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs XXXX. Account name : 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 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 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to each creditor and they concluded that there inquiry was in authorized. Transunion refused to delete the in accurate information from my credit report.
Product: Student loan

Back in 2001 I tried to put my payment back on deferment due to not working and XXXX would not help me get a job in the field that I graduated for. I believe it's because I was one of many students that was XXXX XXXX  by one of XXXX instructors named XXXX. Since then whwn I ask for paper work to lower my payment they say they send it out but I never get it. 
Now they just take my income takes. 
I have called XXXX to see if we can come up with an agreement they tell me to call Sallie Mae.
Product: Credit reporting or other personal consumer reports

TOYOTA MOTOR & XXXX XXXX bank had inaccurately reportes as late and it has damaged my credit history and stopped me from getting approved for housing.. I asked them to send me proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 

They have not given me the proof of the mailing or delivery of the information required by section 1666b, therefore violating section 15 USC 1681s-2. This account is in violation of 1681 eb because it is not accurately reporting Ans demand this late payment be updated to paid as agreed
Product: Payday loan, title loan, personal loan, or advance loan

I keep getting denied for new loans based on affirm being unable to verify my identity despite never once asking me to do so. All emails and calls result in no insight. I don't care if they don't want to loan to me but I want to know what the actual reason is. Their reason is ridiculous. I possess the power to verify my identity but they never give the opportunity. It feels like a lie
Product: Mortgage

The homeowner was approved for assistance in the amount of {$26000.00} to cure the default through the Maryland Homeowners Assistance Fund while this loan was still held by XXXX XXXX XXXX. XXXX XXXX XXXX then sold the loan to Right Path Servicing, and they stated that they have not received proof that this money was received or that there was a payment made by the state of Maryland to cure the default.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Debt collection

Commuications are being hijacked. Receiving fraudulent mail pieces.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  XXXX / XXXX XXXX  Account # XXXX 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 account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that all information reported on a credit report must be % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. 

Account # : Incorrect/ inaccurate Date Opened : incorrect/ inaccurate Balance : incorrect/ inaccurate No. of Months ( terms ) : incorrect/ inaccurate High Credit : incorrect/ inaccurate Past Due : incorrect/ inaccurate Last Reported : incorrect/ inaccurate Comments : incorrect/ inaccurate, not consistent Date Last Active : incorrect/ inaccurate Date of Last Payment : incorrect/ inaccurate incomplete
Product: Credit card or prepaid card

On my Uber  Barclay credit card I had a lot of rewards sitting in the rewards center. Specifically {$420.00}. I'll pass over the fact that I'm XXXX about how the rewards were cash back but then they said I could only use them on Uber ... so that's the reason so much money was sitting in the rewards. On XX/XX/2020, somehow, all the rewards were redeemed to an unknown account : all my {$420.00} in rewards were stolen/fraudulently taken. I reached out to Barclay to solve the issue but they said since the money is in the reward section and has already been pulled out by Uber this is a problem I have to solve with Uber. With Uber, they are slow walking the issue and coming to no solutions and even being very rude to my persistence in finding a solution. It's been 2 weeks now and heard about this more official complaint channel so I'm going to give this a try.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> .... I filled a report with cfpb, it was sent by you and certified mail by me ... .. they did nothing .... as of today they have said they never received information from you or I ... .... in the mean time XXXX and XXXX were there to assist and cooperated.
Product: Mortgage

Presently, I have a HELOC account established with Wells Fargo, {$0.00} balance in the account. 
I was sent two letters on XX/XX/2018 informing me that Wells Fargo needs verification that I have current homeowners insurance on the property that I use as collateral for this HELOC loan. ( This property is located in XXXX, Tennessee ) The first of these two letters was received XX/XX/2018. This letter states that I have 45 days to respond, or risk having the account closed. I took immediate action, notifying my insurance provider of this need. Proof of insurance was faxed on XX/XX/XXXX to Wells Fargo. 

The second letter was received XX/XX/2018. This letter informed me that if immediate action was not taken that insurance would be secured on my behalf by Wells Fargo, at a cost that may be much more expensive that my present policy.

The local branch office of Wells Fargo was notified of these two conflicting letters. They agreed that an internal communication problem existed within the department of " Hazard Insurance Processing Center. '' A third letter was received XX/XX/2018 stating that they have cancelled the temporary insurance coverage that was obtained on my behalf on XX/XX/2018. ( before receiving notice from the first two letters )
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently the was some type of dispute that I did not initiate having to do with my Capital One platinum credit card. I have had several dates told to me by Capital one Supervisors. Back in XXXX of 2020 a dispute that lasted 7 months long lead to my credit card being deleted from XXXX completely. Then it was back in XXXX of 2020, was lied to so many times its just plain despicable. Spent hours and hours on the phone with Capital One. Hours lead to days of making several calls about this so called dispute information. The whole thing is I did not initiate any dispute about my platinum credit card until I saw my XXXX   score drop like 40 points back in XXXX of 2020. Was just about to have a good score until this incident. Then I was told to send a letter to some special credit dispute center and was told it was the wrong address, by another so called Supervisor. Now my credit card was deleted along with an exceptional payment history from XXXX. Just like the card never existed. I have 2 Capital One credit cards and seeing disputes even on XXXX that I did not initiate. The card is being reported on XXXX and XXXX for now but wouldn't be surprised if its deleted from one of those 2 bureau 's as well.