23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have no knowledge of this debt. I do not owe this debt. I have written Sequium Asset Solutions and asks them to provide me with verification that I owe this debt. Sequium Asset Solutions have ignored my demand and provided no response to my Notice of Dispute and Request for Validation. Sequium Asset Solutions have continued to harm my reputation by continuing to furnish false unverifiable information to my credit reports.
Product: Mortgage

My mortgage company Ditech Financial is currently in bankruptcy. Four months ago they sent a letter instructing us to start making our mortgage and insurance payments separately. They also changed our one account number to two different account numbers. We followed the instructions and its been nothing but issues. Ditech is claiming we have not made any insurance payments. We pay via bill pay. We have called multiple times, our credit union called them, we have sent proof of payment, our credit union has sent proof of payment. We have written letters, sent certified letters, verified the account numbers. When we call they simply say we did not make the payments; they have not responded to the letters. All of the payments have been made, all on time, proof of payment has been sent and they refuse to correct the account. This is not a clerical error, what they are doing is criminal. Has anyone seen the amount of complaints against them?  Its unbelievable, they are ruining peoples lives and nothing is being done about it.
Product: Credit card

My XXXX XXXX Citi XXXX XXXX XXXX issued by Citibank has been charged on XX/XX/year> the amount of XXXX for a transaction in XXXX XXXX that we do not recognize. 
Immediately upon noticing on my XXXX  account XXXX that an unrecognized XXXX  was showing as XXXX, I called XXXX  XXXX  at Citicard claiming that such a XXXX  was not made and or authorized by us. They transferred me to the XXXX department and the card was XXXX  right away and the issuance of a XXXX  XXXX  card was requested to be XXXX  to my XXXX in the XXXX. 
The XXXX  department resolved the case into the XXXX  favor only after XXXX  XXXX  of apparently a XXXX  and XXXX investigation claiming that the card was used in person at the XXXX that we have no idea about it. 
We asked XXXX  times for proof of XXXX such as XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  activity. Nothing has been XXXX  and XXXX. I have been a customer of Citibank and Citicards for XXXX  years with XXXX records and It is not only disappointing but totally XXXX  their XXXX and XXXX. I tried XXXX XXXX  times to XXXX  and XXXX to them to reasonably explain and express my XXXX. This is a very XXXX  XXXX  process that I'am not willing to face any longer nor pay for bills that I have not authorized.No-one XXXX no-one XXXX. This XXXX is not due to be paid and I wish to not XXXX  my XXXX XXXX  history due to an unacceptable XXXX  coming from a XXXX  XXXX. 
I'am requesting your help in solving this issue if possible.
Product: Credit reporting or other personal consumer reports

Citizens claim number # XXXX Dear Sirs, I have a complaint to file in regards to my Citizens Pay Line of Credit, Citizens Bank XXXX XXXX XXXX XXXX XXXX XXXX and until recently had perfect credit, XXXX rating. 
I have contacted the credit agencies as well as Citizens directly with no resolve. 
My Citizens Pay account is for a security system. A very low monthly payment that was setup with auto pay and my XXXX XXXX credit card. 
In XXXX of 2023 XXXX XXXX without my knowledge canceled the card due to apparent fraud. 
When I found out about this I contacted Citizens immediately, paid up the account and gave new credit card. I asked if I could put an additional card for a backup to make sure this never happened again and they said no. 
I was never contact by Citizens when the card was declined. No phone call, email or text. Instead they just report a late payment and dropped my score XXXX point or more. Several other vendors that I had auto pay with had the courtesy to make sure they notified me. We are are talking about a {$75.00} a month auto pay that Citizens Pay was in charge of. It is not like I was bouncing checks. 
Citizens said they would contact the credit reporting agencies and explain the situation. It does not look like anything had been done. 
I am extremely frustrated as I have worked my entire life to keep great credit and this without my knowledge is causing a major problem. 
Please let me know when and how we can rectify this. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that I have late payments on an account that I was never late on. Consumer reporting agencies have taken on a vital role and have the responsibility to have consumer information as accurate as possible. I have never been late on these accounts : XXXX XXXX / account number XXXXXXXX XXXX XXXX XXXX account number XXXX Please investigate and provide proof with statements documenting that these payments were late. If proof can not be provided I request that these payments be updated or the accounts be removed from my credit report. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

After being subjected to a 3 and a half month XXXX XXXX loan process that ended in a denial for low income, while they collected info, I felt discriminated against as the loan was to lower my existing payments at the time of XXXX and their payment would be XXXX so I decided to pay off an existing XXXX XXXX so on XX/XX/2021, I paid XXXX, I paid XXXX on XX/XX/2021, I paid XXXX on XX/XX/2021, I paid XXXX on XXXX and they requested XXXX cents that I paid on XXXX, but they are reporting to XXXX  after I disputed to XXXX XXXX I still owe XXXX and that I have not paid them in full. and reporting that I still owe XXXX. I supplied XXXX with a XXXX statement and they chose to ignore the amounts paid to XXXX XXXX to pay them off and still reporting inaccurate information.
Product: Credit card or prepaid card

I had a wellsfargo bank account and had a credit card with them. Then my debit card got stolen and they started doing fraudulent stuff in my account and Wells Fargo chose to close my accounts. It was closed on XX/XX/2016.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of transaction history, specifically late payments, on my credit report by XXXX, XXXX, and TransUnion. Upon reviewing my credit report, I have observed that all three entities have reported late payments, which I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

As per the FCRA, it is illegal to report transaction history, including late payments, on a credit report. Transaction history pertains to specific details of financial transactions, such as account balances and payment history, and should not be included in a credit report. 

The reporting of inaccurate transaction history, such as late payments, can have detrimental effects on my credit standing and financial well-being. Therefore, I demand that XXXX, XXXX, and TransUnion immediately cease reporting this inaccurate information and update all late payments to " paid as agreed. '' Furthermore, the reporting of late payments on my credit report is also a violation of the Privacy Act of 1974, which mandates the protection of individuals ' personal information held by federal agencies. 

I request that XXXX, XXXX, and TransUnion conduct a thorough review of their reporting practices to ensure compliance with the FCRA and the Privacy Act of 1974. It is imperative that accurate and compliant information is provided to credit reporting agencies to protect the rights and interests of consumers. 

Please be advised that if XXXX, XXXX, and TransUnion fail to update the late payments to " paid as agreed '' as requested, I will exercise my right under 15 USC 6802 to opt out of the reporting of these accounts on my credit report effective immediately. 

Please consider this letter as a formal dispute under the provisions of the FCRA and the Privacy Act of 1974. I expect XXXX, XXXX, and TransUnion to take prompt action to address this matter and provide confirmation of the actions taken to rectify the inaccurate reporting. 

Thank you for your attention to this matter. I anticipate a timely resolution of this dispute. 

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

XXXX XXXX, XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX. These accounts resulted in several fraudulent hard inquiries appearing on my XXXX credit report. I demand that the aforementioned fraudulent items to be removed from my each of my consumer XXXX XXXX reports pursuant to my rights within the FCRA and FDCRA laws. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Ally Auto, XXXX, XXXX, and XXXX for violating my consumer rights under the Fair Credit Reporting Act ( FCRA ) by unlawfully reporting " late payments '' on my credit report. 

Under 15 U.S. Code 1681a ( c ) and 15 U.S. Code 1681s-2, creditors and credit reporting agencies are prohibited from reporting transactions such as late payments that do not constitute a new credit obligation. 

FCRA Violation : Reporting Late Payments as Transactions Late payments are considered transactions, not new credit obligations. 
The FCRA prohibits reporting transactions, and late payments are merely a historical record of account activity, not a public record or derogatory item. 

The reporting of late payments is misleading and unfairly damages my credit. 
Under FCRA 1681s-2 ( a ) ( XXXX ) ( A ), furnishers must ensure all information is accurate and not misleading. 
Reporting late payments mischaracterizes my account status and unfairly penalizes me. 

Failure to properly investigate my dispute. 
I disputed the late payments with XXXX, XXXX, and XXXX, but they failed to conduct a reasonable investigation as required under FCRA 1681s-2 ( b ). 

The inaccurate reporting of late payments has severely impacted my creditworthiness, causing undue harm in obtaining credit and financial stability. I demand prompt corrective action to rectify this unlawful practice.
Product: Debt collection

After reviewing my credit report I noticed multiple inaccuracies. Sunrise Credit Service and XXXX XXXX is listed on my credit report multiple times. I never received any documents verifying that I owe a debt to this company. I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter disputing and challenging unauthorized and fraudulent inquiries being reported on my credit report. Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax, XXXX  and XXXX  investigate these non-account holding inquiries. In addition, I sent in a 30 day demand letter. It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). I demand that these unauthorized inquiries be immediately removed and deleted from each of my credit report. I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report.
Product: Credit reporting or other personal consumer reports

I am reaching out to dispute the information being reported by Discover Bank on my credit report. Discover Bank is inaccurately reporting the balance on this account, which does not reflect my actual payment history and current balance, thereby violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Under the FCRA, creditors and credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information in a consumers file ( 15 U.S.C. 1681e ( b ) ). Additionally, if a consumer disputes an item, furnishers of information are required to investigate and correct any inaccuracies, generally within 30 days ( 15 U.S.C. 1681i ). This misinformation has caused undue harm to my creditworthiness, as it incorrectly displays both late payments and an outstanding balance on a closed account. I am requesting the immediate removal of these inaccuracies from my report, including the elimination of any reported late payments and balance owed. Alternatively, I request the removal of the Discover Bank account altogether from my credit file to resolve this issue promptly.
Product: Credit reporting or other personal consumer reports

Inaccordance with the Fair Credit reporting Act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 ( Account Name : XXXX  XXXX XXXX, Account Number : XXXX ) ( Account Name : XXXX XXXX XXXX ) 15 U.S.C. 1681 Section 602 A. States : I have rights to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 or crimes which antedates the report by more than seven years. 15 U.S.C. 1681's-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 believer that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

In XXXX on XXXX, my vehicle was stolen along with all of my personal belonging. Wallet, phone, ID, license, credit cards, debit cards and cash, not to mention my vehicle with my clothing and other personal belongings. Upon this happening I immediately contacted CashApp, providing them with a police report and asking my account to be frozen as their thief had all of my forms of ID and my devices. 

I explained the circumstances and asked to freeze my accounts to avoid any fraudulent activity. My account held over {$300.00} in currency, so it was important to ensure that these funds were safe. When I contacted CashApp, they refused to assist me as I didnt have an ID ( despite a police report ). I explained that they needed to freeze my account and I would be able to provide them with and ID as soon as the state could re-issue me a new card. 

They refused and after 3 weeks of calls and emails CashApp ( reset ) my account and denied me access to any records of the funds I previously had. I requested statements of where the funds had been used or transferred to and they refused. The companys claim was that the account was new and no prior transactions had occurred This is impossible as I know that there was funds on the CashApp account as that was the main card I would utilize as it was the easiest platform with the ability to lock cards. 

I am still actively engaged in a court case with the person who stole my belongings but CashApp has been less than cooperative over time in the resolution of this matter. They have never reimbursed me funds nor assisted in providing history as to where my money had gone, to allow me to use the legal system to recover what was rightfully mine but stolen.
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

I have completed my installment of 60 payment as of XX/XX/19.Why am I am still receiving a bill for the full installment I just paid off. Now I am told that I have additional finance charges and fees to pay. I have repeatedly asked that the company send me a breakdown of charges which would include the dates/ on which the fees are connected to as well as the additional finance charges. I was told by email that my final payment would be XX/XX/19 which would leave fees of XXXX remaining to be paid. I received a statement dated XX/XX/XXXX requesting installment of XXXX again. I am concerned that this company keep changing the amount even though I have made all of my installment payment on this account. I am on a fixed income and can't afford to keep paying these incorrect bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing late payments on Account Number XXXX for my honda car payment. XXXX  and XXXX shows up as accurate and 100 % payments made on time, please update this information as accurate and payed on time.
Product: Debt collection

We rented an apartment from XXXX XXXX XXXXXXXX XXXX ( a XXXX XXXX XXXX ) in the XXXX area for 7 years and left on good terms a few months ago, owing nothing. Now, this week, Fair Collections & Outsourcing of XXXX, MD, has sent collection letters to both myself and my husband, claiming we owe {$53.00}. The letters are bogus but say we're required to send a written, mailed response if we don't want phone calls from these people. The company has our names, our permanent address and the name of the apartment we rented from, including the correct unit number, which means someone sold our rental information to scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my dispute letters over 30 days ago the company has failed to respond to me. I am very distressed and frustrated. I have included all the violations when sending my dispute letters. Company has failed to acknowledge these violations of section 605 b FCRA. I have attached the copy of my dispute letter sent to the Credit Bureaus and my ID & SSC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several medical bills go into collections XXXX and XXXX of 2018. TransWorld Systems , Inc. sent communications to me advising I had an outstanding balance owned to XXXX XXXX totally approximately {$2600.00}. Upon receipt of their communications, I immediately contacted them and made arrangements to pay the debt over a period of time. They accepted the terms of the arrangements, set the payments up to automatically debt from my checking account and I didnt receive any further communications from them accept to when payment were due. They sent me a note reminding me the payments would be drafted and to make sure the funds were available. After approximately 6 months of making payments they reported the debts to all three credit bureaus as unpaid debts. 
After some back and forth with the TransWorld and XXXX XXXX I learned TransWorld reported any unpaid debt after 90 days. At no time was I made aware that any portion of the unpaid balances would be reported to the credit bureaus. I was under the assumption that as long as I was paying on the accounts they would be considered current as TransWorld ceased all collections activity. It wasnt until after the accounts were reported to the credit bureaus that I was made aware of this important piece of information. I believe this is unfair collections practices. TransWorld should have clearly stated to me at time I made the payment arrangements that any unpaid balances would be reported after 90 days. I have since paid the full balance of the debts owed, {$2000.00}. I am currently disputing the accuracy of the collections matters reported to XXXX, XXXX and XXXX and have requested it be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau failed to correct account payment history, they were originally reporting 30 days late in XX/XX/2019, they changed that to OK but marked account to 60 days late in XX/XX/2019, the account can't be late more than 31 days in a month therefore they continue to furniture erroneous information
Product: Credit reporting, credit repair services, or other personal consumer reports

After initiating a complaint against Equifax for failing to respond with in 30 days. And explaining that I wasnt mentioning the names of the companies cause equifax would dispute the items in question, Instead of addressing the actual complaint, and that I would attach documents that showed I didnt recieve a response on the two separate items from Equifax untill months after they were initiated. Do you know what they said? You'll never guess. They grabbed the names of the companies out of the documents I sent, and disputed thier accuracy once again. Instead of address my actual complaint. See attached document. 

This is an investigation into an on going problem with equifax. They failed to notify me of the results of a dispute within 30days. This no longer involves the other companies. There is no reason to investigate the items once again. Equifax failed to notify me. And they refuse to address the complaint against them. 

I have brought this to thier attention 3 times now, and not once have the addressed the complaint.
Product: Debt collection

The school put fees on my student account that I never consented to and a debt collection company is now calling me to collect and saying the debt is valid even though I never agreed to these fees. Im not paying it because I never agreed to pay those fees. I attempted to dispute the charges being added to my student account and they just said you cant. Conserve is saying the debt is valid even though I never legally signed a contract that agreed to these fees.