23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This debt was originally a XXXX store card from back in XXXX. Portfolio Recovery Associates, told me they purchased the debt in XX/XX/XXXX. At that time I have made payments over the years in an attempt to try to pay off the debt because 90 % of the debt did not come from purchases but interest on late fees. I told them at the time I called them for a resolution I was on a low fixed income and I could send {$25.00} per month and I have consistently too over the years. This debt is over XXXX XXXX XXXX and should not be on my credit report and account should be closed. It is now XXXX and I'm still being asked to paying this off for something that should be closed.
Product: Credit reporting or other personal consumer reports

I never had an account with XXXX XXXX XXXX XXXX is fraudulently reporting this information to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that I have several items reported on my credit file that I have no knowledge of and is not mine. For one : : XXXX XXXX ( knology ) {$300.00} XXXX XXXX ( XXXX ) {$30.00} XXXX XXXX {$580.00} * these accounts are fraudulent and should not be reporting on my credit file. I have never had any service with XXXX or XXXX XXXX. 
* As a customer, customer are not allowed to have several accounts, I am curious to know why there are two accounts from the same company reporting on my file.

* The mishandling of this information is a breach into my file.
Product: Payday loan, title loan, personal loan, or advance loan

I have paid over the amount I owed to this company and they use a law firm to tackle on astronomical interest rates so the customer can be in debt they pray on the less fortunate. I have offered to pay XXXX to settle my debt. That is over XXXX dollars I have paid and that does not include the money I paid Heights Directly, They are not clear with their contracts I feel like I have been taken advantage of
Product: Mortgage

In XXXX I purchased a home in XXXX, GA, as an investment. I initiated renovations on the home and as I improved the property in hopes of renting the home, it was repeatedly vandalized and expensive items were taken from the property. These crimes caused me to not be able to complete the renovations and subsequently pay the mortgage. The lender, Bank of America, in XXXX notified me of foreclosure proceedings and since I was out of state, I could not monitor the property. The bank winterized the home, boarded up the windows, and placed a for sale sign at the front of the property. In XXXX XXXX, I was notified by XXXX XXXX XXXX XXXX XXXX to clean up the property to avoid a citation and fine for non-compliance for the upkeep. Upon further investigation, the County still listed me as the owner of the property and Bank of America never recorded a transfer of the title. After a laborious effort in trying find answers from Bank of America regarding the property, I was told that they confirmed the property was foreclosed upon and I would receive notice in the mail. In XXXX XXXX, Bank of America sent me a release of debt for the property rendering me responsible, to my surprise for the previous five years of property taxes. Today, as I am now aware I am the owner, the property taxes and penalty fees are more than the value of the property and prospective buyers are not willing to buy the property for obvious reasons. This practice by the bank appears to be a common unscrupulous act that I am now a victim of to include the municipality for not receiving it 's due taxes.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I contacted XXXX XXXX to confirm my monthly payment of {$110.00} that was agreed upon back in XX/XX/XXXX for a line of credit. I was then informed that I received a credit card that I did not ask for, wanted or needed. Even if it was sent I would have shredded it cause it was something I never intended to use. Even though I was meeting my initial payments I was told they were issuing me a replacement card. On the XX/XX/XXXX I received a notice of activity on my credit report because they opened my credit report and issued me a credit card that I did not request. Then i received a notice that my next payment for XX/XX/XXXX will be due on the XX/XX/XXXX for a payment of {$260.00}. I am in agreement to refinance my home to eliminate debt so why would I agree to increase my debt. This predatory practice will lose me {$40000.00} and lower my credit standings. I then spoke with a customer service supervisor who told me she refused to discus with me any further about this matter and abruptly hung the phone up on me. Very rude. When does a line of credit turn into a credit card just to increase my monthly payment. Right now I have block from opening my online account so I can only imagine what changes that I can not afford are being made. Without access to my account how can I continue to make my payments of {$110.00}, so I guess their intention is to charge my credit card to put me further in debt.
Product: Debt collection

National Credit System, I know for a fact that I do not owe your company any money, how could your company collect a debt on behalf of another? I have never done business with National Credit Systems or XXXX XXXX ( Which is the original creditor listed on this false account listed on my credit file ) I am demanding that you remove this account from my credit report at once, it is absurd that your company would put something like this on my credit file without first making sure that it was indeed accurate. Attached to this document I have also provided you with my police report.
Product: Mortgage

I found out my taxes had been incorrectly calculated by XXXX XXXX SC in XX/XX/2022. I called my lender Truist Bank formerly known as BB & T. They told me they would fix the issue in a few weeks and to keep making my regular payment which is {$1900.00}. not the {$2200.00} they billed for. I have done that which is on record with Truist. 
I kept getting notices of late fees and I would call them every month and after long phone calls they took them off. I saw no progress so after months of waiting and at least a dozen calls and unfulfilled promises. 
I went to the local tax office and finally fixed the issue in XX/XX/2022 myself. I was told it would all be corrected in a few weeks. It was not. I did not call them for a while because they said it would be corrected promptly. After XXXX when I had proven the error and corrected it they not only charged me late fees they reported me to the credit bureau and ruined my credit. My son could not go to college. 
We went to our local branch and the BB & T representative was very helpful and started an official investigation. 
I have attached Truist 's offer to take off the late fees and correct the past credit data. They are still charging me for the {$3300.00} plus interest mistake that the county made. Truist stated the money that I never owed was sent to them but they seem determined to charge me even though they cashed the check from the XXXX XXXX XXXX. 

I never had a tax increase. I was not waiting on an exemption. XXXX XXXX XXXX made a mistake and sent Truist Bank an incorrect bill which increased my escrow. 
I did not make a mistake. I made my payments on time every month. I did what I was asked to do by an agent of Truist Bank. Why would they take off the first six months of late charges if I was at fault. They tell you they are recording those conversations so they have record of what happened. It seems to me they are trying to take advantage of me because I am XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint regards my XXXX XXXX  account and improper investigations by furnished and all CRAs. This simple matter has been and should be escalated to XXXX XXXX  Chairman, XXXX XXXX XXXX, in XXXX as efforts by XXXX XXXX XXXX XXXX  have not fixed the willful FCRA violations. I have attached 2 letters from XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX, both stating my XXXX XXXX  was voluntarily closed on XX/XX/XXXX and has not been reported as open since. XXXX. Today, on XX/XX/XXXX, I noticed that an illegal Facially False Data change was to my Equifax attached credit report changing the previously reported closing date from XX/XX/XXXX to now the incorrect date of XX/XX/XXXX in complete disregard from internal control safeguards required to protect such a change, Moreover my attached XXXX report of XX/XX/XXXX still reports my account inaccurately as OPEN despite 3 months of disputes. As XXXX XXXX XXXX told a bad actor : Stop screwing over consumers. Delete my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 2024
Product: Credit reporting or other personal consumer reports

Good evening, I have tried to dispute and validate items on my TransUnion credit report. XXXX letter ( original dispute ) was submitted on XX/XX/2024 and XXXX letter ( reminder/follow up ) was submitted on XX/XX/2024. Only responses received were XXXX for identity verification and another containing a copy of my credit report with no changes and no disputed accounts. Credit report had remained the same for Transunion but other bureaus have had the chance to get back to me and complete their investigations. Hopefully I can get a response to this matter soon from Transunion. 
Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, XXXX, XXXX, and XXXX regarding unauthorized hard inquiries, fraudulently obtained bankruptcy information, and incorrect personal information that is being reported on my credit report. I believe that these actions are in violation of the Fair Credit Reporting Act ( FCRA ) and warrant an investigation. I kindly request that the Consumer Financial Protection Bureau investigate the following issues : XXXX. Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have never done business with Ad Astra Recovery Services. I do not have a signed contract with Ad Astra Recovery Services. I am not liable for this debt from XXXX. On XX/XX/2018 I contacted Ad Astra Recovery Services asking for a proper debt validation. Ad Astra Recovery Services failed to complete this request. Ad Astra has had ample time to validate this debt. An alleged e-bill does not meet FRCA requirements for validation. If Ad Astra Recovery Services can not produce a signed contract from me acknowledging that I have in fact done business with them and am liable for this debt, which is proper validation, then they must remove their erroneous trade from my credit report at once. Inserting erroneous information onto a credit report is a FRCA violation that is liable for payouts starting at {$1000.00} if pursued. Ad Astra Recovery Seevices INC does not have permission to contact me by phone, e-mail, or US mail. All communication must remain in the CFPB portal.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries was done without my permission or consent please remove all from my credit report. 
Fraudulent Accounts XXXX XXXX {$44000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My Federal and State income tax I put a wrong acct number that was closed instead if cash app sending it back they are holding it they keep telling me the bank need to recall it the bank keep saying they don't do that I still have cash app they can put it in my right account but they haven't I've been trying since XXXX to get my money my car has been down since XXXX I really need my money
Product: Debt collection

USAA PROVIDED NO ( * not ada accessible for my XXXX  XXXX ) ACCESS FOR ME TO RESOLVE FRAUD AND SENDS ME TO COLLECTIONS DESTROYING MY EXCELLENT CREDIT SCORE SO I AM DENIED CREDIT WITH XXXX XXXX ( documentation of denial unpon request ) See attatched XX/XX/XXXX LETTER RE : XX/XX/XXXX UNAUTHORIZED TRANSACTIONS I REPORTED {$470.00}. Stating temporary credits were made permanet *** there are no temporary credits to make permanet *** 1 ) THIS TOOK A YEAR TO COMPLETE THE INVESTIGATION. 2 ) THIS IS STILL UNRESOLVED. 3 ) THIS IS FTC ID THEFT CASE XXXX. USAA CLEARLY DOES NOT ABIDE BY THE LAW.
Product: Debt collection

This group calls none stop. All day long calling, and when pickup no one answers. Call back to get an abusive person on the phone. They have resorted to calling my work, which has a stick no personal calls policy. I have no debt with these people on my credit report and they refuse to verify anything.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice fraudulent accounts..Please remove these accounts they are hurting my ability to obtain credit
Product: Bank account or service

Following up on case # XXXX. Citi told me in its response to my CFPB complaint that it would credit me XXXX miles within 60 days. That was on XXXX XXXX, well over 60 days ago. I called Citigold today to ask why the miles were n't posted yet and they told me it was XXXX XXXX ' fault. But then the rep admitted she could not see any record of the CFPB complaint ( which the executive response unit handles ) or of the letter they sent me ( and to you ) promising the miles. 
I just want these miles. It has been over 5 months since I earned them, and Citi has failed to fulfill the promise it made in response to my initial CFPB complaint.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX XXXX Account # XXXX Bal : {$1000.00}
Product: Debt collection

This company is trying to collect a debt that is in litigation, sent many legal documents, attorney phone calls, ect. They are violating FCRA regulations. 

XXXX XXXX XXXX Please be advised that this is my SECOND WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding their continued willful and negligent noncompliance.

Under the Fair Credit Reporting Act, Section 609, I am exercising my right to request information regarding an item listed on my consumer credit report as an INACCURATE NEGATIVE MARK presented by Fair Collections and Out on 2/2020.

This account is part of a litigation lawsuit ; therefore, this is a FALSE and inaccurate report made illegally by FCO.

Despite two written requests, emails, and a phone call from my represented Attorney, XXXX XXXX, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. They have NOT provided my attorney or me a copy of ANY original breakdown documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).
Product: Credit reporting

Requested accounts be verified as 100 % accurate and true and received a response that the accounts were 100 % accurate and verifiable a little over 30 days later. The accounts in question are being reported as open and with a balance but are closed, with no balance and never had any late payments nor interest fees. XXXX accounts for {$6000.00} are reported as {$9500.00} and {$9100.00} with a duplicate account reported as a XXXX and owe amount of {$8600.00}. The other XXXX accounts, both had an original amount of {$4500.00} are reported as open and owing {$5400.00} and {$5300.00}. All XXXX accounts are false!
Product: Debt collection

Date reported :  XXXX / XXXX / XXXX  Original Creditor Name  COLLECION BUREAU OF AMERICA  Date Assigned  XXXX / XXXX / XXXX  Original Amount Owed {$1100.00} Amount {$1400.00} Status Date  XXXX / XXXX / XXXX  Status UNPAID Balance Date  XXXX / XXXX / XXXX  Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxxx  XXXX   Creditor Classification Medical  or Health Care Last Payment Date Date of First Delinquency  XXXX / XXXX / XXXX  I declined the  Medical Transport a nd was not given the choice to deny. I repeatedly told this company that I did not want their service at that time. Again, they ignored me and transported me anyways.     At the time of their service in  XXXX , I was not of sound mind and was forced to proceed.     I had my husband there and he could of transported me, but they did not listen to him nor me and proceeded to do as they please.     My husband is a  XXXX   XXXX  and  XXXX  and deals with this aspect every day and knows that they had no right to go against mine or his wishes.     I would like to have this removed from my credit as I firmly believe that this was forced upon me without my consent while I was not of sound mind.      XXXX   XXXX
Product: Debt collection

In XXXX of XXXX, I received a negative report on my credit report. I filed a dispute with the three consumer reporting agency 's and contacted Common Wealth Financial Systems to let them know, that they have the wrong person. My name is not ( XXXX XXXX XXXX ). The Employee at Common Wealth Financial Systems said it was a mistake and they would remove it. The Three credit companies removed the negative report on my credit report. 
On XX/XX/XXXX i received a statement from Common Wealth Financial Systems & XXXX XXXX XXXX, XXXX. whom sent an itemized list of the bill in question. The individual XXXX XXXX XXXX lives in XXXX Tx. 
XXXX XXXX XXXX : Born XX/XX/XXXX XXXX XXXX XXXX : Phone # XXXX XXXX XXXX XXXX XXXX XXXX : Hospitalized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX XXXX XXXX XXXX : Charges {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX I am contacting the Consumer Financial Protection Bureau to help in this matter. These two Incompetent XXXX Companies have the wrong Person, Name, Address, City, Age, Phone #. I would like for CBFP to investigate these erroneous illegal acts from these two Companies.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/2019 ) since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. I am demanding a deletion of the following account : COMENITY BANK/VCTRSSEC XXXX
Product: Credit card

Since changing my phone number in XXXX I have been unable to access my online accounts. I have tried several times and invested considerable time in working with Chase to resolve this. It was a waste of time as I am ( after waiting 15 days for verification to take effect ) still unable to access my accounts online. I called Chase at XXXX and gave Reference case number XXXX ( from past complaint ) and after waiting a long time for someone to help me I gave up.