23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I applied a credit card to a XXXX XXXX XXXX and they denied to me. 
Reference number : XXXX After careful review, we are unable to approve the XXXX XXXX XXXX XXXX you requested because you have current or past delinquency with one or more of your creditors. 
We received your report from : XXXX, please contact. 
I tried to contact experience three days consecutive and they did not pick up their phone. So, I used their website and I saw that in my credit report XXXX collection agency and they are : 1. AFNI , INC XXXX XXXX XXXX XXXX, IL XXXX Creditor : XXXX Account Number : XXXX I do n't have any account XXXX. 
I tried to contact AFNI, they do not pickup their phone and their number is XXXX. 
2. XXXX Account number : XXXX creditor : My urgent care I got an accident and the company send me there, I thought that the company was paid what they charged to me. the money was {$220.00} and now they doubled and they do not contact me. 
3. XXXX XXXX XXXX ; They contacted me and we agree a schedule to pay off the debt for fur payment ; I paid {$100.00} on XX/XX/2016.The other payments will be : XXXX, XXXX, XXXX XXXX, and XXXX XXXX, 2016. So, I want know that Why XXXX all the time they said my credit score is XXXX. I pay my bills on time and I do n't have any problem my credits.So, I want know that an XXXX why they decrease my credit score and denied the credit that I applied?
Product: Debt collection

I wanted them to remove the collections from my credit report and I wanted to see if they have a forward flow agreement with my signature
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank reported a delinquent business credit card on my personal credit report in XX/XX/XXXX. The information was removed after a disputed claim was made with the credit reporting agencys, and is now reappearing.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

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

XXXX  XXXX  and Transunion are all reporting multiple inaccurate information about me via my credit reports. I have sent them multiple certified mail pieces and called multiple times, seems to have a problem providing me with how they are verifying any accounts. my credit was hacked and i have been trying to get them to cooperate
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report today to find that my credit score recently dropped XXXX points because of a derogatory mark on my credit report from XXXX. 
First of all, I have a 100 % rating on making payments on a timely basis and I don't understand how any credit reporting company could suddenly drop a credit score XXXX points because of a negative mark of {$85.00} FROM 8 MONTHS AGO. That is excessive especially since other credit reporting companies never dropped that much. 
Second, I have no idea who XXXX XXXX XXXX is and the information they are providing is false. 
Third, I HAVE REPORTED THIS FALSE INFORMATION TO ALL XXXX CREDIT REPORTING COMPANIES SEVERAL TIMES OVER THE YEARS AND IT HAS BEEN REPEATEDLY REMOVED BY ALL CREDIT REPORTING COMPANIES EXCEPT XXXX AND EXPERIAN but my credit score ahs n't been affected at all with Experian. My efforts to dispute this negative mark with XXXX and Experian has been futile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with a company called XXXX. Payments were scheduled on autopay and no payments were ever late. Around XX/XX/XXXX, a company called Westlake Portfolio Management acquired XXXX and took over all accounts including mine. Neither XXXX or Westlake notified me that this was happening, and Westlake additionally stopped my autopay without notice. I was completely unaware any of this had happened, and because the autopay was only a small amount per month I didn't notice that it had stopped drawing from my bank account. It wasn't until I reviewed my credit report that I discovered late payments to an unrecognized company ( Westlake ). I looked them up and they seemed like scammy company with a lot of complaints against them. I called them to understand the issue they explained the acquisition. The remaining balance they claimed I owed was significantly higher than it should have been. I asked them for proof of the original contract I had signed with XXXX  stating the terms and APR of the account, and they said they did not have this information and could not provide it. I also did not have access to the contract because the XXXX website was shut down so I could not log into my account. The initial person I talked to at Westlake ( I have his name ) also admitted that many customers were caught off guard just like me, many of the reported balances were inaccurate, and that some customers were even told they owed money even though they had already paid off their XXXX balances in full before the acquisition. I called multiple times asking to speak to a manager, and was given an excuse every time ( manager is at lunch, not in today, call back in an hour, etc. ). After weeks of severe stress, I couldn't take it any more and decided to just pay off the full balance to make the problem go away ( XX/XX/XXXX ). I asked Westlake, in exchange for me paying the balance in full ( including interest and late fees ) as my very first payment to them as the new owner of my account, to please remove the late payments reported on my credit report. They refused, and said I would first have to make the payment, and then file a dispute with the credit reporting agencies. I asked for a manager to call me back after making the payment so that I could talk to them further about the credit report and I was told they would. They never called. In XX/XX/XXXX, I filed disputes with XXXX and XXXX. The XXXX dispute completed today and the late payments were NOT removed from my credit history. The XXXX dispute is still in progress.
Product: Student loan

With the increasing awareness on tactics of predatory student loans I believe there is cause for a lawsuit regarding my student loans carried by ECSI. 

At XXXX XX/XX/XXXX ( Tuesday ) I was unable to reach ECSI to pay my loan. Their web help line was unavailable and their phone lines indicated there was a 20min wait time. After leaving a message to be called back, my number was never returned. I 've attempted to contact ECSI many times in the past with similar problems. 

Considering my significant balance with ECSI of {$53000.00}, my monthly interest accrual is approximately {$210.00} per day, so around {$7.00} per day. 
Delays in the ability to conduct payments or discuss account problems causes undue financial burdens on the customer. 
Moreover, when trying to give a one time payment on my account, I am unable to pay the same day or day after and only have the option of paying on specified days put forth by the loan company, the soonest date being XX/XX/2017. By delaying my payment of {$25000.00} until XX/XX/XXXX, I continue to accrue a higher debt load as the loan balance is higher over further increasing the amount of interest owed. Also, as I 'm unable to put in a one time payment, I need to set the auto payment to {$25000.00}, have the payment go through on XX/XX/XXXX and then login again and switch the auto payments back to the monthly amount. NO OTHER STUDENT LOAN COMPANY makes their customers do this. This also sets people up for failure. Moreover, their website is down frequently and is very difficult to navigate making mistakes more likely. 

After finally getting through to a customer service representative, he confirmed that yes, there was not way to electronically put in y payment sooner than XX/XX/XXXX. He also said they were updating their website and he would send me the link to the new one but he never sent it. I asked why I was n't able to access this when I searched for their site online. 

Please please look into this company. I had loans with XXXX and this company is going the same thing! Sincerely, XXXX XXXX, XXXX
Product: Credit reporting

On XX/XX/XXXX I noticed that erroneous data was placed on my account that did not belong to me. I called the creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX admitted that the data was entered in error. He suggested that I talk to the Collection Agency ( XXXX ) ( file # XXXX XXXX and XXXX. XXXX. She indicated that she was not able to remove the erroneous data from my record. I then contacted TransUnion and XXXX and disputed the erroneous data. XXXX sent me a copy of my credit account and indicate that the account is scheduled to continue on record until XX/XX/XXXX. They have not, as of this date, removed the erroneous data. Each individual I talked with I begged that they remove the erroneous data as I am a XXXX student and I have been offered a XXXX position XXXX. However, this erroneous information has the potential to cause my employer to withdraw the offer. I stressed that this information may ruin my career XXXX before I even get started. I know that the credit reporting agencies ( transunion, XXXX, XXXX ) did not check the complete name, date of birth, and social security number before they entered this erroneous data on my record. I have never been treated in an emergency room in the United States in my life. I beg you to advocate and file this complaint on my behalf against all of the aforementioned credit reporting agencies as I am convinced that they do not care that they have entered erroneous data on my record. In addition, I feel that the aforementioned agencies do not care how this erroneous data will affect my life, including future employment. 
I graduate in XX/XX/XXXX and I do n't have money for an attorney, but I will be forced to ask my XXXX surviving parent to hire an attorney if this agency can not help me. You are my last hope to resolve this injustice.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Dispute of Inaccurate Late Payment Reporting for XXXX XXXX  Account Dear CFPB, I am writing to formally dispute inaccurate late payments reported on my credit file for the XXXX XXXX  account ending in XXXX. These late payments, reflected for XX/XX/XXXXXXXX  ( TransUnion and XXXX ) and XX/XX/XXXXXXXX  ( XXXX ), are incorrect and do not accurately represent my payment history. I have consistently made timely payments, and as such, I request an immediate investigation and correction of these inaccuracies. 
Account Details and Discrepancies Account Name : XXXX XXXX  Account Number : XXXX High Balance : {$13000.00} Date Opened : XX/XX/XXXX Date Reported : TransUnion : XX/XX/XXXXXXXX  XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX  Date of Last Activity : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX  Payment Status : TransUnion : 30 days late ( XX/XX/XXXX ) XXXX : 30 days late ( XX/XX/XXXX ) XXXX XXXX 30 days late ( XX/XX/XXXX ) but marked " Current '' Specific Errors Contradictory Reporting : TransUnion and XXXX report a late payment for XX/XX/XXXX, while XXXX reports it for XX/XX/XXXX. 
XXXX inconsistently lists the account as both " Current '' and " 30 Days Late '' for XX/XX/XXXX. 
Inaccurate Payment Status : I have been enrolled in autopay for this account, and no payments were missed in XXXX or XX/XX/XXXX. 
Conflicting Remarks : TransUnion and XXXX state : " Dispute resolved ; customer disagrees. '' XXXX states : " Consumer disputes after resolution ; closed or paid account/XXXX  balance. '' Unsubstantiated Reporting : No verifiable evidence has been provided to support the reported late payments. 
Violations of Federal Law These inaccuracies are violations of the Fair Credit Reporting Act ( FCRA ) and other federal laws, including : 15 U.S.C. 1681i Credit reporting agencies are required to conduct a reasonable investigation of disputed information and correct any inaccuracies.

15 U.S.C. 1681s-2 Information furnishers must ensure the accuracy of the information they provide to credit bureaus.

15 U.S.C. 1681n and 1681o Creditors and bureaus are liable for willful or negligent noncompliance, including actual and punitive damages.

Truth in Lending Act ( TILA ) Mandates accurate reporting of credit obligations and prohibits misrepresentation of account information. 
Fair Debt Collection Practices Act ( FDCPA ) Prohibits misleading or inaccurate statements regarding a consumer 's debt. 
Requested Resolution I respectfully request that : The inaccurate late payments for XXXX and XX/XX/XXXX be removed from my credit report. 
My payment history for this account be updated to reflect on-time payments. 
You provide written confirmation of the corrections within 30 days of this letter. 
If these inaccuracies are not corrected promptly, I will escalate this matter and pursue all available remedies under federal law to protect my rights as a consumer. 
I have attached relevant supporting documentation, to substantiate my claim. 
Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was a victim of fraud on cashapp ( block , inc ) and reported it and was refused a refund. No live agent available to speak to.
Product: Debt collection

Received a fax from a Law Firm in Rhode Island claiming that our company was named in a Federal law suit where freight hadn't been paid on orders shipped. When I looked into the matter I found that the company they were claiming we were indebted to ( XXXX XXXX XXXX XXXXXXXX XXXX ) had been paid up front for freight at time of order. The company that contacted my company said that we were still liable since the company that we ordered didn't pay their freight company.
Product: Debt collection

Comenity Bank calls me all day, every day. I receive at least XXXX calls each day from various numbers and unknown callers- all of whom are a representative from Debt Collection at Comenity Bank. 
This is all in regards to an an outstanding balance on my XXXX XXXX 
When I answer the phone, I am told that if I do not make a payment they will send me to collections and my credit will be damaged. When I ask the representative to access my account, they are unable. They claim my account was damaged by the system update so they are unable to do anything. 
They will send me to every department to repeat my story until I am given to a supervisor. I have now spoken to over 50 supervisors who have told me they have either left notes or submitted tickets to fix my account. Still, I receive threatening calls, emails, text messages and letters to my home. Most of which claim I owe them hundreds of dollars more because payments are late. They are harassing me over an account they too can not access. 

The last supervisor I spoke to told me if this account gets sent to collections, Comenity can not promise to resolve the issue. 

This has been my daily norm since the day I opened the account- XX/XX/2022. 

I have sent XXXX rounds of certified mail to the company - exact copies to both the Customer Care department and the Disputes department. Each received and signed for by a XXXX XXXX. The first round of mail included screenshots and a letter of my account info, communications and an outline of my issue. The second round included updates and checks to cover the full balance ( in the hopes they could process a payment that way. ) I have been ignored when I try to resolve this issue, and harassed with phone calls starting early in the morning all the way into the night.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has incorrect hard inquiries on my XXXX credit report. They are showing inquiries from X/XX/17. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my XXXX  credit report. The inquiry date is X/XX/17. I would like this inquiry removed immediately as I did not authorize it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My score with TransUnion has dropped XXXX points without explanation. I attempted to contact TransUnion directly by phone and the representative stated that nothing was showing up on my record that would indicate such a drop in score, could not offer an explanation, and told me to contact a credit advisor at my local bank. 
Per attachments per XXXX XXXX the only two accounts showing actually decreased in balance owed. My other score with XXXX  increased. TransUnion did not provide a satisfactory resolution to this matter.
Product: Debt collection

XX/XX//2016 {$720.00} spoke with fraud dept. no further action taken by company
Product: Debt collection

On or about XX/XX/XXXX, Sequim Asset Solutions added a collection account to my credit report naming the original creditor as XXXX XXXX XXXX XXXX and date as XX/XX/XXXX. The amount is {$80.00}. I contacted Sequium to tell them this is not my debt. I have not had XXXX XXXX XXXX since XXXX and they said this eminated from an account from XXXX of XXXX. They did not provide any written notification to me although they claim this debt is from XXXX XXXX XXXX XXXX and I am account holder. I have not had XXXX XXXX XXXX XXXX since XXXX. I do have their internet service and t.v. but that was obtained in XXXX of XXXX when we moved to XXXX NC. We also switched to XXXX XXXX XXXX XXXX in XXXX of XXXX but that is in my husband 's name. Sequium did not have my telephone number, address or email address. This account belongs to my daughter and they refuse to provide ANY proof that it is mine. I paid the {$80.00} because my daughter is a single parent and asked them to again remove from my credit reports and although they have NO PROOF THIS IS MY ACCOUNT, they still refuse to remove the account and stated it will be on there up to SEVEN years and they can't remove it although I have had this happen to me before on the collection agency involved promptly removed the item. I ask that Sequium either provide written proof this is my debt ( their failure to do so has stopped my right to dispute within the allotted 30 days ) or remove this immediately. My daughter is responsible for this debt and although they named me as the account holder, they had no information about me except my name. This is outrageous and must be rectified!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I 'm currently XXXX XXXX in XXXX XXXX and I have a VA home loan as of 2011. My original Home lender was XXXX XXXX. In the month of XX/XX/XXXX I noticed that my direct withdraw for my mortgage was not being done. I contacted XXXX and they informed me that my loan was transferred to LoanCare. I looked up LoanCare online and according to their website, they say it could take 60 to 90 days for the loan to complete. Around or about 90 days I contacted LoanCare regarding my loan and  asked if I could set up my online withdraw, I was told no not at this time and I could give my back account information or pay through XXXX. Paying mortgage through XXXX or giving away my bank account information without official notice of loan transfer is not the proper way of conducting business. I recently contacted LoanCare and was told that my Loan was in the process of foreclosure. As of todays date I have not received a loan transfer notification or notice of foreclosure.
Product: Debt collection

I have daily records of them continuously calling me several times a day, threatening to take me to court to sue me to take everything I own to make me XXXX and the list goes on of the threats that they have done to me. 

I tried to reason with them I even try to make some sort of feasible payment arrangements and they refused to assist me with payment arrangements. They wanted {$250.00} every paycheck, which would be twice a month, which is something that is not feasibly able to do at this time or any time. I am the sole XXXX XXXX XXXX XXXX, I have a husband who has XXXX and is going through XXXX, I have a grandson who has XXXX that I am raising and I have no way to pay them {$500.00} a month for this. More, I'm not even sure this is legitimate, as the original creditor of this account sold it to this company, without my knowledge or a written agreement with my signature on it. So I do not know how valid it is for another company to purchase my debt, that has been written off as a charge off, from the original creditor, then sold for pennies on the dollar to this company, who I never signed any agreement with whatsoever for the initial debt. There is not my signature on anything agreeing to this debt being sold to this company. I think it should be a crime, are these debt XXXX to buy original dead from an original company whom I did sign a contract with, and this company does not have my signature agreeing to any sale of my debt whatsoever.
Product: Mortgage

Seterus reported that I was late on my mortgage on XX/XX/XXXX and XX/XX/2018, which was not true. I mailed the cancel checks to them in XX/XX/2018. I spoke with a Rep, XXXX XXXX he stated that he would correct the record and report it the credit bureau. This is did not happen! I called back in XX/XX/2018 and spoke with XXXX XXXX which told me that the letter to the credit bureau was mailed XX/XX/XXXX. This is still on my credit report to date. I just received a email from XXXX that my XXXX payment was not made or late. I called Seterus and spoke a woman named XXXX she told me that my payment for account # XXXX was put on my other account # XXXX, She corrected the payment and said she would again send a letter to the credit bureau. I have requested copies of these letters which I was told that they would be mailed to me. I have not received any letters from Seterus to date. Saturday XX/XX/XXXX I received a another letter stating that I was in default on my mortgage payment ( # XXXX ). Seterus is the worst company I have ever dealt with in my entire Life. Thanks XXXX XXXX XXXX
Product: Credit card or prepaid card

Citi can not provide me my bill balance or due date when I inquire. On XX/XX/2019 I tried logging in to Citi 's website at https : //online.citi.com to view my card balance and due date. The website would not allow me to login and did not indicate my username or password were incorrect, but simply displayed a message to call customer service. I called customer service and was told they were having system upgrades and asked me to call back in 24 hours. I asked if I should be able to access the website and was told the same answer. No help. How am I to know how much to pay if I can not see my bill? How am I to know when to pay if I can not access customer service or the website, and do not receive paper statements. One system should not prevent the other from being available.