23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please reference complaint # XXXX. The representative responded to the complaint provided false information. If the representative is saying they are only acknowledging XX/XX/year> certified letter, with the information she supplied came from my XXXX certified letter tracking number XXXX XXXX XXXX XXXX XXXX XXXX, mailed XX/XX/year>. How is that possible? How can I provide the account numbers from the XX/XX/year> certified letter tracking number XXXX XXXX XXXX XXXX XXXX, when I didnt have the account number? She gave the FTC numbers as account numbers when that was not provided to them until XX/XX/scrub>XXXX XXXX XXXX. So no, those numbers will not be in their database, because they belong to FTC. This proves they have received both of my certified letters XX/XX/year> and XX/XX/year>, and are failing to remove this fraud account from my credit report. I have already spent too much money attempting to resolve this account and retrieve the information I need to escalate to the XXXX Police Department. IC System need to be held accountable and so does XXXX. Additionally, IC Systems is not authorized to conduct business in the state of Texas. I will also be sending a complaint to the Texas Office of Attorney General - deceptive practices, false information and refusing to remove this fraud account. No proper ID could have been provided, because I did not create the account.
Product: Debt collection

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX stated that the legal action was done before I paid the XXXX and the XXXX for it takes a while to process. I was told when I paid this that this would avoid any legal action and is why I put my entire saving into paying them off. The vehicle I owe less than XXXX on I started at XXXX. Right now the vehicle doesnt even run and drive nor have I. Been driving it in a year I told the former financial advisor XXXX that. It isnt drivable but Ive remained to keep my full coverage insurance and follow all procedures with this credit union. I feel as though I was tricked. Ill provide the screenshot. I will be consulting a lawyer if this progresses due to this does not seem to be legal at all. You are trying to collect a debt when I am current and now after I am current you require. Signature but yet they failed to mention that to me prior?
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score with TransUnion has been XXXX for a period over 12 months. In XXXX in dramatically declined to XXXX and has stayed there until today, XX/XX/2020. Nothing on the report, including inquiries, derogatory marks, collections or public records have said to change. But yet my score still dropped over 100 points for what reason?
Product: Debt collection

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. 
Collection Account # : XXXX, Collection Account # : XXXX, and Collection Account # : 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 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. 16815-2 ( 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. I request these accounts be deleted off my consumer report.
Product: Money transfer, virtual currency, or money service

I sent a wire transfer of XXXX by XXXX XXXX XXXX XXXX XXXX XXXX  to US bank. This was supposed to go to XXXX store and I was given instructions by XXXX the account number and routing number. they claim the money was never received. I tried calling US bank and they refused XXXX talk with me due to the fact I didnt have an account with them. XXXX sais that I should get a certificate from my bank to prove this fund as sent, but my bank will not provide this to me. someone has this XXXX of mine and I just can not get an answer and this has become a nightmare which started XXXX. I am desperate and in need of help and have no where to turn. I have the wire transfer information with the account number and routing number.
Product: Credit reporting or other personal consumer reports

The entire balance of XXXX was paid to XXXX and the account balance is {$0.00}. I have a copy of the account bill provided by XXXX. This information was related to Equifax via Online Dispute. However, Equifax failed to perform the necessary research, even when I indicated the account was paid, and insists the account is still a charge-off. 

If I paid the money owed, it can't be a charge-off. Therefore the status of the account must be updated to " Paid '' and the balance on the account must be updated ot " {$0.00} '' Equifax is not XXXX with CRA reporting laws and statutes. 

I have uploaded a copy of the XXXX 's account statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid ; however, tradeline have n't been removed by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX according to our agreement.
Product: Money transfer, virtual currency, or money service

Today, XX/XX/21, I tried to make a monthly payment of {$170.00} due " in 24 days '' from today at app.klarna.com as instructed by their text message to me. I have made payments this way the last 6 months with no issue. I selected Payment options, to make the " minimum payment due '' and " pay with a card ''. Again, I have done this the last six months with no issues. The web browser, instead of taking me to a screen to enter my debit card information, said " Payment failed We could not process your request, please try again later. '' I had to initiate a chat with someone at the company who advised me that they made a change in their app that was causing a lot of frustration to clients because they could not pay. They advised me to uninstall the app and reinstall the app to fix the problem. However, I informed them that I was using the web app. I asked if there was a number I could call to make a payment. They then advised me to call XXXX. The person on the phone said they were not aware of app.klarna.com but they could not take any payments over the phone. This seems like it should not be allowed. If they are having continued issues with their web app/app development and I can not make a payment, what is the back up method? It seems they don't have one. And so if I am late in my payment due to no fault of my own, this could affect my credit. I am not sure if this is the correct place to report this or if my selections on the option tree to get here were correct, but if I were a regulatory authority, I would assume there has to be a way for a company to accept my payment so I don't go into arrears. I will certainly be paying this off sooner than later and no longer using Klarna. Thank you for any help in addressing this issue - not just for myself, but for the many people who have made similar complaints on the Klarna App reviews.
Product: Debt or credit management

Was told that my credit score was high enough to apply for aXX/XX/XXXXyet it wasn't and I was denied and it made my credit score go down.
Product: Credit card

{$290.00} was paid with a linked checking account to Capital one for a secured Quicksilver credit card with a {$300.00} limit on the XXXX it processed on the XXXX and they also took the minimum payment on that {$290.00} on the XXXX as I'd arranged for ( {$44.00} and change ) I called and asked for the {$44.00} back, my amount due with the current months credit was changed to {$580.00} and cut short a bit, I called back, they said they mailed me a check for {$290.00} and said I requested that.
Product: Debt collection

I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge. This account just show up on my credit recently the last week he was never reported before, so I assume that it 's a mistake and I request this to be removed from my credit. I getting phone call from collection I never get before with treat and harassment from this company
Product: Credit reporting or other personal consumer reports

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2. 

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting an open account and balance of {$180.00} with incorrect recent months of missed payments. we had a pay for delete agreement. I lived up to my end of the deal and made the full payment to handle the account and they never lived up to their end by deleting the account from my credit reports as they agreed to
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. Please see the following items below : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXXXX/XX/2022. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I have attached copies of the dispute letters I have sent to the credit bureaus, as well as documentation proving the fraudulent nature of the items in question. Despite this evidence, the credit bureaus have failed to investigate my dispute and continue to report the fraudulent items on my credit report.
Product: Checking or savings account

USAA has inaccurate timeframes displayed when attempting to pay a bill. If you try to use the timeframe displayed an error is received on the following screen that states, " This group of payments could not be scheduled due to error ( s ) shown below. To correct the error ( s ) return to the Pay Bills page.Payments with Errors. '' Then it displays, " NOTICE : Payments to this biller need to be sent by check, which requires more time. Please submit a new payment and choose an arrival date that is on or after XX/XX/2022. ( XXXX ) '' I have reported this issue to USAA Customer Service, USAA Chat, XXXX XXXX and XXXX in the Office of the President, Technical Support, and @ USAA_Help on XXXX. USAA has provided no meaningful response and/or action. I have not had a single bill payment arrive to a biller on time since using this account. Please hold USAA accountable for perpetuating this fraud and unnecessary expense due to late arrival of payments on customers. Thank you.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE : ( " TRANSUNION '' ), In the event ( " TRANSUNION '' ) FAILS TO COMPLY, will be conditionally accepted as an agreement, of admission failing to comply with the FCRA, and among other things. 

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against TRANSUNION, XXXX, and XXXX regarding inaccurate information reported on my consumer report. This complaint is grounded in the violation of a crucial CFPB rule concerning human trafficking. 

The CFPB, under 12 CFR 1022.142, prohibits the inclusion of adverse information in consumer reporting for cases of human trafficking. Human trafficking is a severe federal crime, also known as Trafficking in Persons ( TIP ), involving the unlawful trade of human beings against their will for commercial XXXX exploitation or forced labor. 

In my XXXX ( XXXX ) CFPB Compliant ID, XXXX ( TRANSUNION ) CFPB Complaint ID Number, and XXXX ( XXXX ) CFPB Complaint ID Number XXXX I explicitly communicated to the Consumer Reporting Agencies ( CRAs ) that they lack my lawful consent to report the mentioned accounts, as indicated in the attached notices. Regrettably, the CRAs negligently failed to comply, disregarding my will and violating my human rights. 

Human rights, as outlined in Article 4 of the Declaration of Human Rights, prohibit slavery and servitude in all forms. The CRAs have, in effect, subjected XXXX XXXX to both direct and indirect slavery and debt bondages. 

Attached are notarized documents supporting my notices. TRANSUNION, XXXX, and XXXX ( collectively the " CRAs '' ) have willfully and negligently failed to comply with multiple disputes, and I am now demanding compensation for damages, encompassing intentional infliction of emotional distress, humiliation, defamation, and other related harm. 

I hereby reserve all rights to sue, applying this to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TransUnion LLC, their parent companies, subsidiaries, affiliates, divisions, contractors, and all data sources and suppliers collectively referred to as the CRAs. This complaint is effective immediately. 

All Rights Reserved. 

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

This is the third complaint I have filed against the company for incorrect information being reported on my credit report. In their last letter dated XX/XX/2020, they stated that the AUD from the first complaint was sent however " it appears that this updated did not reflect on your credit report as there was a delay in updating with the bureaus. '' The implies that they have made two requests to update the bureaus however this is false information. As you can see from the attached documents the reporting has been incorrect in several different ways and times : The account was listed as open but incorrect balance The account was listed as open but delinquent The account was listed as closed with incorrect balance The account was listed as closed with a {$0.00} balance The account was once again listed as charged off and sold to a debt buyer The accounts are reported differently on different credit reporting agencies during the same time period. 
I have also sent a separate certified letter to the VP of Customer Relations and two separate certified letters to the President of the company and those letter have not been answered other then the original answer to the CFPB complaints. I am at a loss as to what I need to do to get this fixed. The company has lied to me on multiple occasions that this would be fixed and has provided false information to the CFPB.
Product: Credit reporting, credit repair services, 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 # XXXX Account name : 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 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 ) ( XXXX ) 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

There has been improper use of my credit report and even after a reinvestigation nothing has been done. As i stated before this account was charged off on the following date XX/XX/year>. 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. Also this account should reflect the first date of delinquent and it doesnt, its being updated every month. inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against US BANK regarding account # XXXX XXXX XXXX XXXX. Back in on XXXX XXXX I sent to the mentioned company a dispute letter, explaining to US BANK what had happen to me : that I never received my statements from XXXX or XXXX because my mail was stolen, therefore I incur in to 1 late payment on XX/XX/2019. I also filed a police report that I sent to them, with a Federal Trade Commission Report as well. This company not only disregarded my letter but also a police report with an FTC report. This company didnt even mark my account as disputed once they received my dispute notice, they arbitrarily decided to just leave the negative mark on my reports. I know the company has no obligation to remove account but they are in obligation of at least to make an in investigation according to the Fair Credit Reporting Act. In my dispute process the mentioned company incurred into multiple violations plus disregarding the mentioned documents I sent to them. I would not like to take this case to court but if US BANK does not provide a deletion letter for the negative mark ; I will have no other option but to search for justice in court. Im attaching letter I sent to them, the police report and the FTC report, including the proof of fax that they received all of my documents. I have a {$500000.00} loan pending because of this negligence. Thank you!
Product: Debt or credit management

I request a copy for the contract between the company and I for the charges. I never received a response.
Product: Debt collection

Company continues to report fraudulent debt even with dispute information XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX the college location where personal information was stole to Open an account is attached to the invalid debt the company refuses to validate. Upon request for proper validation and verification company has denied a FCRA dispute to be opened. The location is nowhere present on consumers credit report yet company has falsely validated debt just as credit reporting has falsely validated debt. Company believes if they close CFPB disputes instead of investigating things they are within regulation but are really blocking consumers rights
Product: Credit reporting or other personal consumer reports

I found XXXX hard credit inquiries on my reports for credit cards I did not apply for. I contacted the companies and informed them they were fraudulent. I now need to get these removed from my reports.
Product: Debt collection

I asked company to mail me an original copy of the death. They are trying to collect along with account number, etc. not a computer print out, I have asked them for a complete debt validation, Credit card statements, etc..
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX in XXXX of 2022 informing me that the late payment on my credit report will be removed from all three Credit Reporting Agencies. However, its still reporting on all three credit reports.
Product: Credit reporting or other personal consumer reports

I was unaware of these charges from these companies someone used my information to get credit from XXXX of the same companies and this company couldn't tell that was fraud why would I open XXXX different accts with a company that's the same with XXXX different names
Product: Credit reporting or other personal consumer reports

My card was used to rent a car in the XXXX, I was in XXXX at the time. i dispute the transaction but the wrong amount was entered. i went back and forth with XXXX XXXX and no one ever said i need to file a police report. which i did in XXXX all fees are associated with that charged. i didn't pay the bill because i didn't cause the problem
Product: Credit reporting or other personal consumer reports

I recently discovered that my personal information has been used without my authorization. This unauthorized use has resulted in fraudulent activities, including the opening of accounts and transactions that i did not initiate. I am concerned about the potential impact on my financial standing and personal security.
Product: Credit card

I am XXXX XXXX XXXX and have had a XXXX XXXX credit card since I was XXXX. The only reason I have n't cancelled it is because of the account length and positive effect on my credit. my first problem was when they changed parent banks ( to XXXX ), certain payment dates ( including the one I had set up for my acct. ) were " no longer available '' according to them, so they took it upon themselves to automatically change my due date without notifying me! Causing me to be late that first month. And now, this is the 4th time I have had to call to cancel the " credit protection program '' that they keep sneakily, automatically, enrolling me in without my consent. They have one scam after another going on over there, and it needs to be addressed.