23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX XXXX compliance officer at RMC responded to my complaint stating that they deleted the amount from my XXXX file XX/XX/2021 via the XXXX XXXX. It was deleted and removed but then reported on XXXX. See attachments of the response from XXXX XXXX stating it had been deleted and also attachments of when it was last reported. I would like this to be REMOVE AND DELETED from my credit report immediately. I would also like for RMC to get rid of the file obtaining my personal information because it clear that they are falsying documents. I have the proof. This has hurt my ability to obtain credit and has hurt my character. PLEASE REMOVE AND DELETE. I called RMC but no one has reached back out to me.
Product: Credit reporting or other personal consumer reports

Exoerian they are reporting my student loans as open when They are closed I paid then off in XXXX of XXXX saying that they won't be able to Update my account until XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately    XXXX   XXXX     2017 I mad e the required payment and extra. On   XXXX   XXXX    2017 I  made another payment for    XXXX   XXXX     2017, it w as applied to the principal. I spoke with The company  XXXX   XXXX   XXXX ,  XXXX  representatives on three occasions about   XXXX   's payment being wrongfully applied to the principal and each person assured me that it will be corrected. I have received late fees and other fraudulent fees. On    XXXX   XXXX     2017 I reve iwed my credit report to discover that  XXXX   XXXX   XXXX  list the account as delinquent for  sixty  days. I called the company again and the representative hang up.
Product: Debt collection

The theft occured in XXXX An XXXX account was opened in my name, spent to the limit then left for me to pay. I called the company and told them this was a theft and not my account. I opened up a page on XXXX, sent XXXX a letter and am still getting bills and it still shows up on my credit.
Product: Student loan

For the last 3 years, i thought i was on an income based repayment, but when i redid my paperwork last week, i found out i was on an income sensitive forbearance. I was never informed that i was on a forbearance and even though i made payments for the last 3 years, they didnt qualify toward the 25 year ontime forgiveness. I now have to start from scratch at repayment. I have navient as a provider and now that im on an income based repayment, i will still be paying for at least another 25 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have not given TransUnion permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX Account number : XXXX Balance : {$3900.00} XXXX Account number : XXXX Balance : {$0.00} XXXX  XXXX Account number : XXXX Balance : {$740.00} XXXX XXXX Account number : XXXX Balance : {$2700.00} XXXX Account number : XXXX Balance : {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Westlake Financial Services about a contract they have listed on my credit report. I asked them could they send the original contract because the car they listed in the credit report was from Pelican Auto Finance. They told me that they brought they contract because Pelican went out of business. I asked them could they send documents. They agreed however, they sent over somebody named XXXX XXXX bill if sale. 

On XX/XX/XXXX I called again asking for the same information and was told they will get in contact with the back office again and they will try again. They was able to send the payment history. Inside the payment history shows that they picked up the loan XXXX XXXX and on the XXXX of XXXX was hit with late payments and interest fee but a payment was made in the XXXX which is when I normally payed Pelican Auto Financed company. I asked them can they send the payment records from Pelican it looks like the payments started over as if I did not pay Pelican Auto which I had for at least a year and they cant produce it. 

The payment history they sent shows that they charged off the the car off for XXXX.But thats not the amount thats reporting on my credit report. I disputed with all three credit reports and they keep updating inaccurate information. 

However they sold the car in XXXX so I doNt understand how they are still charging repossessing fees for XXXX and XXXX along with payments and they had the car since XX/XX/XXXXXXXX XXXX
Product: Mortgage

On XX/XX/XXXX. 2022 - I would like to file a claim of discrimination. The organization received my personal information and acted as if they were a fair and non discriminatory program. However, after immediately applying I was ignored, made vulnerable and denied assistance while my white non disable peers were fully awarded and with ease! 

North Carolina XXXX XXXX XXXX leaders are giving payouts to friends, family and those near them while overlooking others. 

There are claims that investors are being made aware of delinquent owners waiting for them to default to make profits : ( its a cold world
Product: Credit reporting, credit repair services, or other personal consumer reports

American Capital Collections reported medical claim to XXXX at 76 days, although I was working with XXXX offices and insurances and i understand credit reporting should not occur until after 120 days. Received 1st letter from American Capital XX/XX/XXXX, call and disputed, received verification XX/XX/XXXX, then they reported to XXXX XX/XX/XXXX. Reducing my credit score XXXX points. {$700.00} amount reported. Since then, American Capital has called me, XXXX was rude and condescending and hung up on me when I informed them that our conversation was null and void since they already placed judgement to XXXX. Currently I am on the 2nd level of appeal with XXXX XXXX, however since XXXX XXXX XXXX did not provide XXXX the necessary information requested. I do not expect XXXX will pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, Equifax and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Sent this letter to Paypal Credit on XX/XX/XXXX with no response from the company. 

XXXX XXXX President / Chief Executive Officer Synchrony Bank XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX RE : Conditional Acceptance of Payment Claim Lowes Advantage Card ending in XXXX PayPal Credit Account XXXX in XXXX Dear XXXX XXXX, I am writing in response to your correspondence dated XXXX the XXXX, XXXX in which you claim that I am obliged to make a payment to Synchrony Bank for services and / or goods provided. I appreciate your attention to this matter and am willing to consider the claim on a conditional basis, subject to the fulfillment of the following conditions : Signed Contract : Please furnish a copy of the signed contract bearing my wet ink signature. This contract must clearly outline the terms and conditions agreed upon by both parties and demonstrate that I have willingly entered into an agreement with Synchrony Bank for the provision of services and / or goods. 
Itemized List of Services and / or Goods : Please provide a detailed and itemized list of the services and / or goods that you claim Synchrony Bank has provided to me which warrants the payment. This list should include a comprehensive description of each service and / or good, the associated cost, and any relevant dates or time frames. 
Upon receipt of the requested documentation, I will thoroughly review the provided information to determine the validity of you claim. If your claim is found to be legitimate, I will take the necessary steps to ensure prompt payment in accordance with the agreed-upon terms. 
Please submit the requested information within 10 business day of receipt of this letter. If I do not receive the required documentation within this time frame, I will assume that you are unable to fulfill these conditions and your claim will be considered null and void. Further, note that that the requesting payment devoid of a contract may be considered racketeering. 
If you have any questions or concerns regarding this matter, please do not hesitate to contact me using the address above. 

Thank you for your cooperation, and I look forward to resolving this matter in a timely and amicable manner. 


Sincerely, Then I received an on-line correspondence thru my email from them saying something about them looking for a missing payment. Then the next day the account was credited for the total amount due of {$1400.00}. 

Now the amount is back on my account as a current balance due and my card has been frozen which is an interference in commerce.
Product: Money transfer, virtual currency, or money service

To whom it may concern, On XX/XX/2019 I paid a person an amount of {$250.00} in exchange for a smartphone through an online payment app called XXXX. I found out that this person turned out to be a scammer. Once I found out that this person was a scammer I called my bank right away ( XXXX ) and called XXXX right away to stop the payment to be sent to that person. However, both XXXX and XXXX asked me to do a dispute to the transaction. I first did that with XXXX since the payment was not posted at that time. Then, I did that with XXXX and they said we need 7 to 10 business days in order to complete our investigation. Later, I found out that they made their decision in less than 2 days which did not make complete sense to me and their response was we couldn't find enough evidence, therefore we denied the dispute request. I even asked if I could help with that by sending screenshots that shows both the merchant and I agreed on what goods for what amount and how we paid each other, they said we will get back to you incase we need those information. They sent me an email asking me what kind of merchandise or service I paid for?, What date was the service or merchandise to be received?, Have you received all of or just part of the order? -- And then before I even responded to that email, they sent me an email with their final decision right after the first email in less than 24 hours. I tried calling them again to resolve the issue by asking them if they can have a second review on that case and if they can see the screenshots between me and the supposedly merchant, but they were like this is our final decision. I tried calling my bank and their response was we don't have much to do, your matter is with XXXX and try to resolve with them. I told them this is your fault because I called and filed the dispute before the money gets posted and you did not stop the payment. I'm trapped between both companies and no one is willing to help any further and both are like good luck trying to get the money back. No specialist from XXXX took my case seriously and looked further into this matter and every specialist kept transferring to other people that have no idea about my case. As well, no one from XXXX took my claim seriously and they put the blame on me even though I made sure to call before they process any payments with XXXX. I want to know how could that be fair to someone.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and XXXX did. 
I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : XXXX. XXXX XXXXXXXX XXXX ACCOUNT # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed accounts below are erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX XXXX/ {$240000.00} / XX/XX/XXXX XXXX XXXX/ {$0.00} / XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, XXXX XXXX, and Experian! ( Including all other Credit Bureaus known and unknown ) Please provide the Consumers of America with the Original contract with wet ink signatures that granted you our Permission to hoard our personal information. Failure to provide this contractual agreement to each and every Consumer constitutes a privacy right violation according to the Privacy Act of 1974. The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! We the Consumers have grown tired of the false and misleading practices you have portrayed!! Protraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). All Consumers demand that all Personal information retained in your companies systems be removed immediately and damages of XXXX XXXX Dollars ( USN ) backed by gold be credited daily to each Social Security Number Available in your system. Consumer 's name and personal information ( which are copyrighted as intellectual property ) has been leaked by your company has continued too injured Consumers daily as your Systems are primitive in Nature!!
Product: Checking or savings account

I submitted a claim on XX/XX/ and XXXX  for over {$16000.00} in unauthorized transactions that were payable to " XXXX XXXX XXXX '' over a 6 month period prior to noticing this. 

I do not have any accounts with XXXX XXXX XXXX or any other online casino. In fact, I am " self excluded '' from participating in any gambling activities in the State of New Jersey. 

These funds were clearly a case of fraud, however Wells Fargo decided to deny my claim. 

I had a similar earlier claim for " XXXX XXXX '' which was APPROVED and the funds were returned to me. 

I'm not sure why Wells Fargo has denied this claim. To date, despite multiple requests, Wells Fargo has failed to contact me and give me the evidence as to why they believe I made the transactions. 

I have resubmitted the claim multiple times, tried for a smaller amount, spoke to a branch manager, discussed this with at least 5-6 agents from Wells Fargo , wrote a letter to the entire executive team at Wells Fargo . To date, I have not received any resolution to this matter other than " your claim is denied '' without any reasoning behind it. 

Wells Fargo states that their " accounts are fully protected against fraudulent transactions ''. This is not accurate, as I have not recovered this money. I have submitted the evidence that I am self excluded from online gaming activity. I have confirmed with the XXXX XXXX XXXX that I have never used their services. 

I am at a loss as to what I can do next.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found an error in my address information. Please remove the incorrect address, " XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, '' as it has no connection to me. My credit report should only reflect my actual, verified address as per the Fair Credit Reporting Act. I shouldnt have to face any issues because of errors that arent my fault. I kindly request this matter be resolved immediately to ensure the accuracy of my credit report and prevent any potential complications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted information to XXXX XXXX Bank on XXXX XXXX, XXXX, for an old account that was listed on my report, although the account was paid. XXXX XXXX bank agreed to request for the removal from my credit report, on XXXX XXXX, XXXX. XXXX and XXXX removed the item on XXXX XXXX, XXXX. Equifax refused to remove the item, although they received information the company stating that they were requesting a removal from my report. After Equifax refused to remove, I disputed the item on XXXX XXXX, XXXX, XXXX XXXX indicated to me they were requesting a removal. Equifax still did not remove the item from my report.
Product: Checking or savings account

Hello sir, I have an account at bank of America ( XXXX XXXX XXXX XXXX, Washington, DC XXXX ). 
On XX/XX/XXXX, I went to deposit a check directly to the banker with an amount of XXXX $ ( check number XXXX ) but I found that I got rolled and there is a fraud on that deposit because the banker deposit the amount of XXXX $ what means that the banker took XXXX dollars from my account. Also the bank debited the amount of XXXX from my employer. 
I have been trying to contact the bank and cooperate with no success. I have been told that they will verify and get back to but never gave me my money back since I filed the complaint in XXXX. 
I really appreciate you assistance and help on this frustrating scam matter. 
Best XXXX
Product: Debt collection

This is the fourth or fifth time a collection agency has contacted me about owing this amount. This has already been disputed in the past for the previous attempts. I do not how know how they are able to do this. This seems very illegal. The name of this collection agency is Radius Global Solutions and their number listed is ( XXXX ) XXXX. The amount they are trying to collect is for {$1500.00}. Again this has been an ongoing attempt every year but they keep getting disputed. Once they are disputed they sell my information to the next collection agency. I do not know how to prevent them to stop selling my information. You would think they got the hint with all the other attempts that this is fraud due to identity theft. The frustrating part is that my credit score keeps going down to the XXXX every time this happens. Once disputed, my credit score does not return to it original score. I keep losing XXXX points every time this happens. I was almost at XXXX and after the past 4 times of this happening, I am close to XXXX. When calling the number, these guys are impossible to deal with because they just care about the debt being paid. They do not care if it is identity theft they just automatically keep asking " how would you like for this? '' PLEASE HELP ME!!!!!