23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have disputed a delinquent charge that was originally XXXX XXXX, then XXXX Bank d/b/a as XXXX XXXX Credit. I had established an online line of credit in XXXX with Bill Me Later, which later became XXXX  XXXX Credit. The line of credit was not a credit card account. I never have a credit card for either bank. From XXXX to XXXX I utilized the line of credit for several purchases that were mostly interest-free as long as the balances were paid in full within usually six months from the date of purchase. When I made the last payment of {$3.00} to XXXX XXXX Credit on XX/XX/XXXX, I considered it the last payment to close out the account. I did not understand what the {$3.00} represented because I had not, nor would I have charged such a minuscule amount. 
During this same period of time, I also used XXXX XXXX as a transfer agent to shield my online cash purchases that were paid from my XXXX XXXX personal account. This did not involve any credit extensions to me, because they were all cash payments taken from my bank account. I never had a problem with the payment being paid to the merchants ever. 
However, on XX/XX/XXXX, XXXX I was notified by XXXX XXXX  Credit that effective on XX/XX/XXXX, that the lender of my XXXX XXXX Credit account would become XXXX XXXX. I did not see this as affecting me because I had sufficiently paid my XXXX XXXX Credit account in full on XX/XX/XXXX, as I stated above. 

That notwithstanding, XXXX/XXXX XXXX somehow usurped my online cash XXXX XXXX transfer agency account and charged my closed XXXX XXXX Credit account in XX/XX/XXXX for XXXX separate XXXX  rides totaling {$37.00}. See below as appears on a consolidated statement from XXXX XXXX Credit : XX/XX/XXXX - {$1.00} paid from my bank account, XX/XX/XXXX - {$7.00} XXXX  pending, XX/XX/XXXX - {$7.00} XXXX  pending, XX/XX/XXXX - {$6.00} XXXX  Ride, XX/XX/XXXX - {$5.00} XXXX  pending, XX/XX/XXXX - {$9.00} XXXX  pending. 

The XXXX charges were to be paid through the XXXX XXXX transfer facility that is linked to my XXXX XXXX Bank account. Rather, XXXX XXXX  assumed the ownership of XXXX XXXX  and proceeded to obscure the two accounts, then adding interest to claim {$190.00}. This amount should have been taken out of my XXXX XXXX Bank Account. It was not a charge by me because I had closed my line of credit with Pay XXXX XXXX. Upon taking ownership of XXXX XXXX, XXXX XXXX  confounded 6 XXXX  charges of {$37.00}, parlayed it into {$190.00}, then sold that amount to a debt buyer, Portfolio Recovery Associates, LLC. Portfolio Recovery Associates, LLC has reported this to credit reporting agencies, which is negatively impacting my credit report. I always pay my obligations on time. This was accounting trickery by XXXX XXXX  to garner more profits. 

I believe this was a deliberately fraudulent act because my XXXX XXXX Bank account was always funded. If there is more documentation necessary, I will be pleased to provide it.
Product: Credit reporting or other personal consumer reports

I sent the documents XXXX required as listed One copy of a government issued identification card, such as a drivers license, state ID card, etc. 
One copy of a utility bill, bank or insurance statement, etc. 
Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years ( an official report filed with an appropriate federal, state, or local law enforcement agency, including the Federal Trade Commission or the U.S. Postal Inspection Service or others, the filing of which subjects the person who filed the report to criminal penalties if the information filed is false All was sent, as requested and they continue to say they did not receive the documents which are attached again to this complaint. 

An XXXX rep started screaming at me on the phone for no reason. Every time I call to ask for a supervisor they get upset, claim one will call or they put me on hold and hang the phone up on me. XXXX is not a reputable credit company. No company should give so many problems, it's unusual. 

Its against the law for them to publish accounts in dispute, this account has been in dispute for months, and they keep harming my credit score reporting it. I think it's because I'm a XXXX American, they feel as though they can harm me and get away with it. I have all the reports to prove what I'm saying and will be filing suit against XXXX over this issue. 

My credit score was XXXX now its XXXX because of a false account that XXXX has received all documents requested to remove as well as my formal request to remove it. 

They are not a credible company anymore.. They just continue to lie while harming my financial record and wasting my time. 

No supervisor has called, nothing they say is accurate, and its been 12 weeks, in which time I requested a call no one has called.
Product: Checking or savings account

On XX/XX/year> I initiated a wire transfer request from one of my accounts at the bank ( hereafter referred as BANK # 1 ) to a specific account number at another bank ( referred to as BANK # 2 ). XXXX entries were made to my account ( at BANK # 1 ), one a DEBIT for the exact amount of the requested transfer, and another entry as a DEPOSIT for the exact amount LESS {$5000.00}, WITHOUT ANY EXPLANATIONS. 

When I called BANK # 1 to find out why these entries were in my account they blamed BANK # 2 and said that they were to be blamed for the deduction. 

Why should I talk to Bank # 2 or any third party for a deduction to my funds at my savings account at BANK # 1? 

The wire transfer was not not completed and BANK # 1 MUST redeposit the full amount to my account at BANK # 1.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent information to Experian on several occassions regarding a home that I sold in XXXX.They corrected it and then it appears back on XX/XX/XXXX .report # XXXX. They ( Experian ) states that a creditor received a deed ( CRD ) what creditor.Foreclosed I have never lost a house as XXXX XXXX Bank was paid and also requested Experian and to take the word Foreclosure off my record. That was done by XXXX XXXX @ Executive Mortgage Complaints Office of Executive Complaints XXXX XXXX Bank, ( see attached ) .Voluntary Surrender ( What ) as I have never volunteered anything. Repossession ( What ) I have never had anything repossessed ( paid by creditor ( WHO ) Insurance Claim ( WHO ) The only Insurance Claim I had was an illegal tenant that XXXX and a joint company paid. The following jury trial I was awarded XXXX.I have never filed any claim against the government that I know of.Defaulted on Contract of ( What ). None of these current accusations have appeared in the past so what prompted all of this was it because I am involved in a Class Action Lawsuit.They show Collection ( What Collection and what time and date.Charge Off by who was it XXXX? ) for a tail light? .They say too many Inquires well XXXX requested 4 times and 4 times for what as Experian had a freeze on my account on XX/XX/XXXX that caused me not to be able to purchase a washer and dryer at XXXX XXXX on XXXX/XXXX/XXXX reference number # XXXX. XXXX XXXX phone # XXXX. ( XXXX  I don't and didn't ask for this so why didn't they take the time to call when these inquiries are lowering my scores.The Collusion of these reporting agencies and the consumers inability to talk to someone should be curtailed. The Internal Revenue request and Experian says that they have no number. Come on The IRS.And Experian Inquiry on XX/XX/XXXX for what?.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ha ve 4 ha rd inquiries on my credit report that I have been done without my con sent. 2 from    XXXX   IL credit union date d    XXXX   XXXX   XXXX   , 1  from     XXXX   XXXX   dated    XXXX   XXXX   XXXX   and 1 f rom  XXXX   XXXX  dated    XXXX   XXXX
Product: Debt collection

According to FCRA section 605b it is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report now.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment records that I strongly believe are incorrect and potentially linked to a data breach. These disputed items are : XXXX XXXX XXXX  XXXX - XXXX - {$30000.00} XXXX XXXX XXXX - XXXX - {$13000.00} These records do not reflect my actual payment history. I have submitted documentation proving their inaccuracy, yet no corrections have been made. This has negatively affected my credit standing, and the continued delay in resolving this is unacceptable. 

The Fair Credit Reporting Act ( FCRA ) mandates that all credit information must be accurate. Any incorrect, outdated, or unverifiable records should be updated or removed immediately. I expect swift action to fix these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to remove unfamiliar negative accounts # XXXX, XXXX, XXXX, XXXX numerous times and they keep appearing on my report. 15 usc 1681e ( b ). Has to be complete accuracy on my report and I am unaware of any of the following accounts.
Product: Payday loan

while checking credit report I noticed a COLLECTION account from Midwest Recovery when I called them they said I had a PAYDAY loan in XXXX Original creditor Current Creditor : XXXX, now its under XXXX ALL SCAM FOLKS,, First never had XXXX from any of these folks, Second, its over XXXX XXXX XXXX XXXX of limitations,, third If I did which I did not,, No Calls, No Mails, no nothing! if I was that late! Fourth the only way I found out was when I saw XXXX on my Credit report as a account in collections on XXXX and was forced to call these folks,, I claimed fraud not mine etc now I have to go get a police report on ID THEFT and fax it to XXXX so I can get this off my report! Oh they will send the report to the so called creditors that I never dealt with to fix this discrepancy,, DOESNT XXXX check this so called creditors? these XXXX creditors are blasted by every state agency and XXXX as Scam folks,, How do they get away with contacting XXXX and say yea 5 years ago this was a loan we gave him,, go get the money,,, XXXX cant even tell me the loan amount original, ( BECAUSE THEIR ISNT ANY!!! ) THEN XXXX PUTS IN ON MY REPORT and DROPS ME XXXX points!! WHY COULDNT XXXX call me first or said mail to the house PRIOR TO the Credit report,, is this the tactic they use to get folks to contact them???
Product: Debt collection

In XX/XX/2018 I received a letter that Weltman Weinberg & Reis had a Discover card debt and said notify them with in 30 days which I did. I went online and filled on the inquiry form and payment plan form. I never heard anything back. Then around XX/XX/XXXX th I get a summons from court. However all that was sent was a statement from discover card. There wasnt any questions or anything. I still filed a response and showed where I was trying to set a payment plan up of XXXX every month. I also sent a letter and this copy to both Discover card ( Adress listed on summons ) as well as XXXX city for weltman. I still have not heard anything back to try to come to an agreement outside of court. Also when I try to log in on their website now they have me Blocked. I have already told them I need to have communication in writing and not verbal because I want it documented. I am trying to work with this company however they will not respond. I do not want to go to court I would like to work this out.
Product: Mortgage

In reference to previously submitted complaint XXXX Mr. Cooper indicated that the fee they are charging me is a recast fee that was provided by XXXX XXXX  XXXX However, I have a statement from XXXX XXXX  fromXXXX which shows that that fee was previously paid and therefore Mr. Cooper should not be charging me for a fee which I had already paid ( four years ago! ). Please reopen the previous complaint as not resolved or re-addess this issue in this one indicated that I I owed no balance to XXXX XXXX  and thus owe no recast fee to Mr. Cooper. Update my account with Mr. Cooper appropriately.
Product: Debt collection

I received a letter from a debt collector called Business revenue systems for the total of XXXX $ and I can only pay it with a credit card. The letter said they were collecting on behalf of a business called XXXX XXXX, which is a fake company and also not one I have ever been to. The letter said they will continue to come after me until I pay it. The phone number listed to call is fake and the online payment is clearly a scam to steal credit card information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a mortgage. My credit was pulled and Equifax returned a score of XXXX on XX/XX/2020. I noticed information I thought was incorrect and filed a dispute and no updates we made based on dispute. On XX/XX/2020 my score was checked and they returned a score of XXXX which is now going to cost me $ 1000s of  extra in interest. The company has been unable to explain why my score decreased despite no additional information. As far as I can tell filing a dispute cause my score to be lowered.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Unauthorized Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

My wife attended a XXXX and still has some debt we have been paying on. Recently a third party contacted us requesting a payment plan or a settlement in full. Finding this kind of fishy we contacted her school loan company ( XXXX ) they informed us the debt had not been transferred to another company. Knowing it was a scam I assumed they would leave us alone. They have now emailed documents to prove there legitimacy which is joke as the debt and names on the paperwork is not accurate. I am hoping to stop these guys from hurting anyone else that might fall prey to their scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX a dispute was sent out to all 3 credit bureaus about inaccurate information on my credit reports and I have yet to receive a response or any deletion of the incorrect information on my credit report. I have waited 60 days or more for my credit report to be updated and nothing has been done. 
Needs to be Deleted XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I HAVE SENT OUT SEVERAL LETTERS AND CALLED ALL three credit bureaus and I have not gotten any where my address and name, phone numbers nothing has been updated its all inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU ALL ARE IN VIOLATION OF 15 USC 1681 B BY FURNISHING INFORMATION THAT I DID NOT AUTHORIZE, NOR DOES THE ITEMS BELONG TO ME. THESE ITEMES WERE DUE TO IDENTITY THEFT/FRAUD AND THIS MATTER MUST BE RESOLVED ASAP BEFORE I REPORT THE COMPANIES TO THE XXXX XXXX XXXX  AND MY ATTORNEY STATE GENERAL.
Product: Debt collection

Dear Capital One I received, via CFPB, the attached letter dated XX/XX/XXXX. 
Yes, you asked for me to contact you to give additional information. I did several times but it was a waste of time. I even was on hold for over an hour until I became frustrated and ended the call. It has been more productive and a better use of my time to correspond through CFPB. Instead of stressing consumers, would it be better to call the consumers when Capital One is not so overwhelmed? My number is XXXX. 
Yes, payments reflected on paragraph 3 were not authorized by me.

Your trust is appreciated when payments are made but when multiple payments are made in a short time ; shouldn't this be an alert of fraudulent activity on your program? Consumers can not control fraudulent payments when cards were unknowingly stolen. 
Yes, on XX/XX/XXXX, credit was issued on the cards after the cards were suspended, closed, and after accounts were charged off 2 months prior. Thus, I was not afforded the opportunity continue making payments as I had been. I was faithfully making the minimum monthly payment and increasing the payments when I was able. Check you records. I incurred debt during XXXX and my credit score was important. Capital One prevented me from keeping card, making monthly payments, and keeping credit score. There was a reason I was making monthly minimum payments. I did not have {$3500.00} laying around after Capital One issued credit in my favor 9 months after Capital One closed the account. And then to exacerbate the problem, Capital One sold off one the debts. I made fraud claims because even the amount charged off was due to theft and fraudulent payments. If  Capital One issued credit due to fraudulent payments ; wouldnt it be reasonable to assume the charges were also fraudulent? 
The letter references a XX/XX/XXXX letter but was not attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 personal and 2 business credit card accounts with CAPITAL ONE. I have been with them since 2013 and have always paid my accounts on time. Recently, they reported two of my personal accounts to XXXX, XXXX and XXXX as being 30 days late when they were not. I have repeatedly asked CAPITAL ONE to correct this but they refuse to do so.
Product: Debt collection

The debt in question was paid by the insurance company ( XXXX ) to the Lean Holder ( XXXX XXXX ). The loan in question is closed. Confirmed by XXXX XXXX and XXXX. The letter from XXXX XXXX XXXX XXXX Recovery Partners appears to be a scam. It is attached below. They are asking for money that is not owed and threatening to turn this information into the DMV to get my driver 's license suspended. They are stating that the balance owed is {$19000.00} and they are willing to settle for {$12000.00}. XXXX XXXX XXXX XXXX Recovery Partners # XXXX # XXXX
Product: Debt collection

I recently filed a XXXX, in regards to collection company, NCB XXXX XXXX I reported that I had not received paperwork from this company, in regards to an account. Which I had not. I checked my XXXX XXXX XXXX emails and saw no mail images, from XXXX  XXXX or XXXX XXXX delivered to my home. 
However, after receiving the first piece of mail, from XXXX  XXXX, on XX/XX/XXXX ; it is stated that they are trying to collect on an account for an online loan company, that I know as, XXXX. I was not aware that this company does business by another name. 
So, of course I had no idea which company this was, reporting negatively to the credit bureaus. 

I do have a contract with XXXX. However, as initially stated. I did not receive any formal correspondence, in regards to my account being in jeopardy of being sent to collections. Which was the complaint towards companies, XXXX  XXXX, XXXX XXXX. 

After doing some digging for possible emails from XXXX, since there were no letters sent ; I did find an email. An email that stated that my account had been sold in XX/XX/XXXX, to XXXX  XXXX. 
What I did not receive prior to the account being sold, was any letter or email, providing me a balance of debt, at the time, I was given no option to clear the debt, before the account being sold, either. 

I had to do a strenuous search, in order to find the single email, in regards to my account being sold. I believe that I should have received more than a single email, for such a matter. 

I do not believe that XXXX did their due diligence, in order for me to pay off the debt, being it was sold.
Product: Money transfer, virtual currency, or money service

For years I have had an account with Coinbase. I replaced my telephone but have the same number that I have had for several years. When I tried to access my account it started off by saying that it does not recognize me. Now when I try to access my account it says that I do not have a valid email address. My email address has not changed for many many years. I have tried calling the help desk many many times can't even get anyone at Coinbase to answer. Please help! The last time I was able to access my account it contained over $ XXXX. I have a newborn and just moved into a new home. I had to borrow money from family members because I can't access my on funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting an incorrect charge-off on the XXXX partial account number XXXX, in the amount of {$10000.00}. ( Please see pages 9 and 10 of the attached credit report. ) This account was in my deceased husbands name. I was not a co-signer on the loan. After my husbands passing, I never received any bills/notices or letters regarding this outstanding debt. There was no Estate to inherit and no Estate to cover any outstanding debts. This incorrect reporting on my credit report is harming my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, I BELIEVE THEY TOLD ME IT WAS A BUSINESS CARD BUT THE ACCOUNT NUMBER ENDS IN XXXX. SECURITY CREDIT SERVICE ACC # XXXX, THIS COMPANY TOLD ME TO EMAIL MY FRAUD CLAIM ALONG WITH THE DOCUMNETS ANDTHEY DENIED IT AND TOLD ME TO MAIL IT AGAIN, PLAYING A STALL GAME.BY I NEVER VALIDATE THAT ACCOUNT, I NEVER SAID THAT ACCOUNT WAS MINES. I TOLD THEM ITS FRAUD, IM NOT PAYING AND TO NEVBER CALL ME., THEY VIOLATED THE FDCPA ACT AND THE FCRA ACT BECAUSE I TOLD THEM THIS IS A FRAUDULENT ACCOUNT..ACCORDING TO THE CREDIT BUREAUS THIS IS A COLLECTION ACCOUNT BUT XXXX HAS IT LISTED AS A CHARGE OFF AND COLLECTION. IM GETTING DOUBLE PUNISH.IN CASE I HAVE TO SUE XXXX I HAVE 6 HOURS OVER THE PHONE RECORDED WITH THEM TELLING ME A LIE EVERYTIME, SAYING THEY REMOVE IT OR THEY CANT BUT THEY WILL THIS TIME, THE CFPB AND FTC REPORT IS FAKE REPORTS AND MORE REDIQULOUS STUFF. AS I HAVE SAID IN MY PREVIOUS COMPLAINTS NOW I HAVE XXXX AND XXXX AND PANIC ATTACKS. THE DOCTOR DIAGNOSE ME AND NOW I GET PRESCRIBE THIS MEDICINE. WHATS IS SO SAD ABOUT XXXX XXXXXXXX, THEY SAID NOT ONE PAYMENT WAS MADE.I BEEN SENDING THEM ADDITIONAL DOCUMENTS FOR 4 YEARS OR A LITTLE LESS. IM A VICTIM OF FRAUD I SUBMITTED FTC REPORT, POLICE REPORTS AND UPDATED POLICE REPORTS. AND WHEN THEY SAID NO TO THAT THE CREDIT BUREAUS SUPPOSE TO MAKE SURE THEY VERIFIED TO THE MAXMIMUM ACCURACY AND ITS OVER HALF WAY COMPLETE AND XXXX EVERYTIME SAY THAT BECAUSE THEY DONT SEND THE INFORMATION THAT THEY WILL NOT REMOVE IT NO MATTER WHAT. I HAVE AUDIO FOR THAT.