23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We were charged over {$100.00} by XXXX XXXX XXXX for some unknown reason and when we called the customer care to find out what it was about, they did not give us any proper response and they said it was some technical error from their side. After 4 months we get a call from Enhanced Recovery stating that they are coming to collect the bill amount and although we did not know what it was for, we paid duly. Its been over a year and now we notice that they had filed a delinquency report against us. Our credit score has been hit by XXXX points and there is no one coming forward to help us with it. We did not notice this statement until recently when we went to the bank to get a loan to purchase a house. We have proof that we have paid the company, can they still hold this against us?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting disputes about unauthorized accounts and fraudulent activity opened on my credit report without my knowledge. The information was compromised. My information has been being handled improperly. The inquiries and collections below need remove. In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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  Requested On XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. 
XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} Date Opened : XX/XX/2019
Product: Debt collection

On XX/XX/XXXX I looked at my credit report, and I noticed some inaccuracies. I sent a letter to XXXX on XX/XX/XXXX asking them to investigate these accounts " XXXX '' and information I sent i certified mail, XX/XX/XXXX they sent me their investigation and said those accounts are verified and accurate. And according to 15 USC 1681i ( 5 ) | see it states after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or Incomplete or can not de verified. The credit bureaus did not re-investigate and violated my right.
Product: Checking or savings account

In XX/XX/2018 I closed a checking account with Citizens Bank and had no checks outstanding or debits from debit card. A month later the bank put a dr or debit for {$270.00} for service fees and overdrafts and sustained overdrafts. I am a XXXX year old XXXX XXXX veteran. The bank does not care that the only thing that reopened and caused this negative balance was their fees. They call my landline phone harassing me and I want them to cancel out those fees after I closed my account and stop calling me.
Product: Vehicle loan or lease

XXXX XXXX XXXX dealership at XXXX XXXX XXXX XXXX XXXX IN XXXX sold me a car fraudulently and when I tried to resolved the situation they denied and I told them this would be the only chance to resolve it civilly before I report them to the proper authorities I wont stop pressing the issue so they wont treat another consumer the way they treated me. Ive filed a complaint with the Attorney General office online and doing the same with you. They stole my rebate of {$3500.00} from me and didnt report my full trade in value of {$10000.00} to the IXXXX XXXX XXXX XXXX XXXX They violated ( 6 ) of my consumer rights outlined in the certified letter I sent to the dealership on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are student loans showing on my credit report from 2008 which is from 12 years ago ( way too old to be on my credit report. I have tried disputing the info and reaching out to the collection company without any success. The collection company keeps reporting the info to my credit report which makes it seems like the information is new or the latest info. How can they keep reporting on information that is more than 12 years old. I have been unable to get this information removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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
Product: Payday loan, title loan, personal loan, or advance loan

- Loan Amount : {$5000.00} - Interest Rate : 35.99 % - Loan Approval Date : XX/XX/year> I am writing to file a formal complaint against Transform Credit regarding their handling of a loan for which I co-signed on XX/XX/year>, in the amount of {$5000.00}. Despite fulfilling my obligations, the company 's practices have been both unlawful and harassing. 

The original borrower defaulted on the payment due XX/XX/year>, and I was contacted on XX/XX/year>, to cover the payment as the co-signer. On XX/XX/year>, I negotiated a settlement amount of {$5000.00} with a representative of Transform Credit. The representative confirmed that if payment was made within five business days, any accumulated interest would be waived. I promptly mailed a cashiers check for this amount, postmarked XX/XX/year>, and sent proof of mailing and payment via text on the same day. 

Despite this, Transform Credit continues to demand additional payment for interest accrued during the agreed settlement period, even after acknowledging receipt of the settlement amount. Furthermore, they have continued to call, text, and email me, disregarding my requests to cease communication. These actions violate the Fair Debt Collection Practices Act ( FDCPA ), which prohibits abusive and deceptive debt collection practices, and are inconsistent with the Consumer Financial Protection Bureau 's guidelines on fair business practices.

I request that officials investigate this matter and take appropriate action to ensure that Transform Credit adheres to lawful and ethical collection practices.

Please find attached copies of all relevant correspondence and proof of payment for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  has violated my right to privacy.

15USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604A states : A consumer reporting agency can not furnish an account without my written instruction.

15USC 1666B states : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Report number XXXX | XX/XX/XXXX Item name XXXX XXXX XXXX CA XXXX Identification number XXXX Claim amount Not reported Date filed XX/XX/XXXX Status Chapter XXXX bankruptcy dismissed. 

XXXX has continuously report erroneous information on my credit report, I have requested this item be removed several times. As you can see that it is still being reported on my credit file.
Product: Credit card

Macy 's XXXX XXXX XXXXXXXX, for the months of XXXX, XXXX, XXXX and XX/XX/year> charged my account {$2.00} per month without my knowledge or authorization AND then reported me to the credit agencies as paying late which in turn seriously downgraded my excellent credit score from the 800s down to the low 700s. I've had excellent credit scores for a while and have NEVER paid late on an account! Because I never charged anything on this card during that time AND because I never authorized those charges I was never aware of those bogus charges until after the fact when they sent me an email. I called to delete those charges and ask for an explanation for those charges and was never given a reason for those charges and the refused to delete them.
Product: Mortgage

When the mortgage rates were less than 3 % I applied to refinance. My mortgage rate is 6.5 % ever since XXXX held my mortgage. Shellpoint, the mortgage servicer for New Rez denied refinancing my mortgage. I had to call Shellpoint for the details of the denial. ( Shellpoint had sent me a denial letter without any details. ) My credit rating was very good, and I had paid my mortgage on time. The denial was new cause of student loans ; the total amount was used for a debt/income ratio. 

I had an agreement with XXXX to pay $ XXXX, and I paid it. XXXX is not asking me to pay the total listed student loan payment monthly. Even though I consistently pay 6.5 % on time monthly, Shellpoint denied refinancing my loan. 

Now I am XXXX old and need to work in order to continue paying my mortgage at 6.5 %. I do not want to sell, because the odds are very high that I would not be able to find another home. ( As you may know, California has a huge housing shortage ; and available housing is for very high earners. 

If I sell, I will need to move out of the country. At my age, I do not want to be far from family. There are no available housing for me. ( My mother was on several waiting lists for senior housing for more than 10 years. ) So, I continue to pay at 6.5 % because I didn't qualify for a lower rate. What more can I say, except I no longer enjoy living in the U.S. where I was born in XXXXXXXX XXXX in 1949. This country " XXXX ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my collection in full on XX/XX/XXXX with Online Information Services. On XX/XX/XXXX, they put a collection on my credit report and reported the balance as unpaid. I submitted a bank statement showing that I paid the balance. XXXX reported back to me that the company says the reported balance is correct and closed my dispute even after I gave proof. They are just taking the company 's word for it. I called the company and they said that this is XXXX 's error, not theirs. XXXX says it is the company. I don't know what to do. I have other mistakes on my XXXX credit report as well, and I am afraid that XXXX will leave these discrepancies there. XXXX XXXX XXXX  has the date that my account defaulted wrong, which would make the account stay on my credit report longer. I went delinquent in XX/XX/XXXX, and on my XXXX credit report, it says XX/XX/XXXX. I disputed this a long time ago and a response was not given. Months! I disputed again. I am hoping someone will help me get these errors fixed.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Proof of amount owed and check numbers. I do not use checks, and they are saying I used checks to pay for food at XXXX XXXX XXXX XXXX. I went to XXXX with the letters and they said they don't even accept checks, and it looked fake. 

The company trying to collect this fake debt is Financial Accounts Service Team at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX They called ALL the time a year ago, I went to XXXXXXXX XXXX  and they verified that the check numbers are not valid. XXXX once again said they don't even accept checks. FAST stopped contacting me until again today. This company is not accredited and is completely fraudulent.
Product: Credit card or prepaid card

Fraudulent Payment on credit card - # ending in x XXXX, XXXX and XXXX Between the dates of, XX/XX/XXXX to XX/XX/2019, Citi Credit Cards ( the bank, hereafter, Citi ) received, posted and reflected the following sums : {$4500.00}, {$1200.00}, {$2600.00}, and {$450.00} x3 between and/or on all three of my ( hereafter, customer ) above referenced citicards. Amounts need to be verified as customer has no access to this information since the cards and online banking access was closed. 

Citi made the fraudulently deposited funds available to customer for use and failed to advise the customer the money had not fully processed and cleared. During the same aforementioned period, customer made purchases/transactions at XXXX XXXX, Best Buys, XXXX XXXX and XXXX, all business located in XXXX, Virginia using the funds. Citi later posted the funds as returned and unpaid. The Customer reached out to Citi reporting fraudulent payments on the accounts and lodged a complaint to Citi for negligence and failure to advise, that funds had not fully cleared when Citi made the funds available for customers use. 

Customer requested Citi to credit the accounts of lost dollars and all fees/charges related. For details, please review accounts and subsequent phone calls to Citi regarding the matter. Two credit cards were closed down. Over the last two months, customer has had multiple phone conversations with Citi associates and an investigation of the matter ensued. Long behold, on Monday, XX/XX/2019, on a phone call, Citi associate, submitted to customer, that Citi will not refund/credit the lost reported amounts and any fees and charges related to the reported fraudulent activity on the customers accounts. Please review all notes and phone conversation with multiple Citi associate over the last 2 months with customer. 
Further to this, on the XX/XX/2019 the last associate ( under billing dispute ) castigated customer that even if customer sued, Citi would not credit account.
Product: Money transfer, virtual currency, or money service

I was looking for a house to rent through the website XXXX and on XXXX XX/XX/XXXX, I found out the house, which located in XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ). After leaving my information, the guy whose name is XXXX contacted me. He considered he was a landlord of the house, asked me to pay XXXX $ for application fee/ person ( i paid XXXX $ for XXXX ). After that, I filled the rental application form and lease agreement. From XX/XX/XXXX to XXXX, he asked me to pay a security deposit XXXX XXXX 3 months payment of my rental ( XXXX $ ) + 3 months of utilities fee + 1 year rental insurance ( XXXX $ for both ). I used wire transfer from Wells fargo and chase account to do it. He didn't let me see the house or meet up in person. He always told me that i dont need to pay anymore for now after all of my payment and promised for the appointment to meet up. However, his wife contacted me after that and asked for XXXX more month of payment. He required me to do that if i want to keep my lease. I right now felt it was a scam because they kept asking me transferring money non stop. I called the bank to report a scam. His phone number ( XXXX ) is XXXX his wife phone number ( XXXX XXXX : XXXX After 10 days reporting the bank, Wells fargo XXXX not accept my inquiry! ( I lost XXXX $ sine i used XXXX to transfer money ). I am still waiting to hear from XXXX! They are so helpless!
Product: Mortgage

Since XXXX, CMG Financial has been mishandling the escrow for my mortgage. This issue has been brought to their attention multiple times, but each time the mortgage company has danced around fixing it. In XXXX, the mortgage company was under-escrowing my account. This was brought to their attention, but they did not resolve the issue. Information from the tax office was sent to help them address the problem, yet the issue remained unresolved. 

In XXXX, my escrow account showed that I owed {$4300.00} due to the mishandling of my account. This amount was paid in full. However, after this payment, the mortgage company refused to acknowledge that the payment was made, resulting in them over-escrowing my account. This has been brought to their attention multiple times. 

In XXXX, I requested another escrow analysis, but they denied my claim. In XXXX, they are still over-escrowing my account by {$640.00} per month. This has been a long battle with CMG Financial. They are very dismissive and do not care to fix the problem. I have tried my best to work with them on the mishandling of my mortgage, but at every attempt, I am told that there is nothing I can do and that they do not care to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS REPORTING ONE LATE PAYMENT DELINQUENCY TO THE CREDIT REPORTING AGENCIES, ALL THREE ( EXPERIAN, XXXX AND XXXX ), THIS IS AN ABSOLUTE INACCURATE INFORMATION, I HAVE ALWAYS PAID ON TIME AND NEVER LATE, I AM SURE IT AN ERROR WITH BANKING OR TRANSACTION ERROR ERROR. BUREAUS HAVE RECEIVED MY LETTER FROM THE CREDITOR FOR WHICH THEY HAVE APPROVED TO REMOVE THE DELINQUENCIES AS ERROR, BUT THE BUREAUS ARE NOT COOPERATING PLEASE HAVE THESE INACCURACIES REMOVED FROM MY CREDIT REPORT, I HAVE ALSO ATTACHED THE CREDITORS LETTER ( UPLOADED ) on your website for your information and followup thank you
Product: Debt collection

Received multiple spam calls starting on XX/XX/XXXX through XX/XX/XXXX with 10 phone calls out of 26 being before XXXX XXXX  with the earliest being at XXXX XXXX. On Thursday XXXX XXXX I confirmed my address and asked for confirmation of my debt but as of XX/XX/XXXX I still do not have a confirmation letter. On XX/XX/XXXX I received a phone call at XXXX XXXX  and told the collectors that it is illegal to contact me at that time and requested to be contacted between normal business hours of XXXX yet I still received another phone call at XXXX XXXX  that same day. On a different phone call with the phone operators they insinuated that I was XXXX and didn't know how debt collection worked because I was only XXXX.
Product: Credit reporting or other personal consumer reports

I had notices that I ha some many hard Inquiries on my credit report from XXXX  XXXX and I didn't received nothing from XXXX  XXXX at all. I have some hard inquires from them on XXXX, XXXX, XXXX, XXXX, XXXX. I have called XXXX XXXX to try to get these hard inquires off of my consumer report many times and i have not received no luck yet. I have XXXX hard Inquiries on my report on my TransUnion and my XXXX report. I don't know where all of them come from but they need to be removed from my credit report asap.
Product: Credit card or prepaid card

I get 2 or 3 spam texts from capital one from an XXXX website and it's annoying