23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My mother, XXXX XXXX, received a letter from National Credit Systems on behalf of XXXX XXXXXXXX XXXX in XXXX, NC on XX/XX/2018 about a balance of {$2100.00}. Eventually, the balance was reported as a collection to both myself & my mother 's credit report. The issue with this is that neither my mom or I had ever stayed at XXXX XXXXXXXX. My brother/her son, XXXX XXXX stayed at the apartment. I have never received any correspondence from National Credit Systems about this matter, just my mother. On yesterday, she received an itemized invoice, filled with frivolous charges, including damages to the room & that the keys weren't turned in. He no longer lives at XXXX  XXXX & he made sure everything was taken care of. He was the one financially responsible for this apartment, but yet isn't suffering any type of consequences. My mom & I sent NCS both a " Cease & Desist '' letter, as well as a letter to explain the situation, yet they are still reaching out to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months.

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer.

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.

Account Name : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX Amount : {$32000.00} Account Type : Charge Off Account XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account XXXX XXXX XXXXXXXX
Product: Debt collection

I have reached out to all parties involved asking for supportive documentation, showing where this debt came from. They refuse to help and state things such as it is verified even though I KNOW its not my debt! I should not be held accountable for things that are not my own actions! I have mentioned multiple times that I live at one address and will only reside there. Ive never needed to move from my permanent address. Upon reaching out to National Credit Systems they wanted to negotiate a small fee in exchange to remove something that isnt mine. I am needing help here! Ive also sent certified letters stating such. Ive even went as far as to provide a police report from XX/XX/2018. Which was the day XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Not even a year later my identity was used!! Please help me sue this company!!
Product: Checking or savings account

I was scammed out of {$4800.00}. There are people pretending to be employers. They are on indeed imposing people who are not aware of scams. There were plenty of times my bank could have informed me, but instead they decided to send me out a letter dated the time and date the transaction went through. They say in the letter we are holding your check due possibly no payment. That letter would have not gotten to me until the XXXX, which to me is no safety For what happened. Also, I reached out to XXXX where I sent the orders through, to cancel the shipment & return to sender. I advised of the scam to both XXXX & my bank. XXXX still released the package to the imposed scammer. Some people are not aware of scams. Especially if youve never been scammed before. My bank keeps telling me that I authorize the transaction even though I didnt. Had my bank told me that the check was fraudulent right then and there, would have prevented this whole altercation. There are many people who are getting scammed and it seems like there is no way of recovery. I have proof for every thing that has happened. And just want to resolve this to the best way possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has not been properly verified for inaccuracies. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Every bureau is reporting a different date of last activity and date opened for this account.
Product: Debt collection

This account was opened on XX/XX/2017. It states that i owe {$320.00} which i do not. I tried to contact them to remove this account but no replies. I do not owe them anything. Theres no proof this is my account. Please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Consumer Loan

Around XXXX XXXX, XXXX i purchased a XXXX XXXX XXXX for the advertised price of roughly XXXX XXXX. i was told That Credit acceptance can not authorize me to purchase a vehicle higher than that price, and that after 1 years of on-time payments i can refinance and purchase a different car. When i contacted Credit Acceptance to refinance, they told me there is nothing they can do. Due to Credit Acceptance High interest Rate ( I currently Pay 23.99 % APR ) No one will refinance at {$16000.00} loan for a car that is only worth roughly {$6000.00}. by time the care is paid off i will have paid over {$30000.00} for a car when credit acceptance and its representing dealer told me they can not finance me for anything over {$14000.00}. I believe that not only my down payment for the vehicle was misrepresented in the final quote, but also that Credit Acceptance knowingly Provided me with false information so that they can illegally charge me an outrages APR. Currently whenever i make a payment i am not given a receipt for the remaining balance and i also noticed that out of my payment of XXXX every month only XXXX of it is applied to the principle value of the car. Credit acceptance needs to be investigated for deceptive practices as well as false advertisement. If an individual can only be approved for {$14000.00} car how do they end up paying over {$30000.00} in the end?.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX I XX/XX/XXXX -The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX- The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXXXX - The following inquiry was not authorized and should not be reporting. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting.
Product: Checking or savings account

They will not allow me to link accounts to XXXX  accounting software which mainstreams my book keeping.
Product: Credit reporting

I disputed multiply addresses on my report that i haved never lived, and they wont come off.
Product: Mortgage

In XX/XX/XXXX, Wells Fargo Bank gave us an interest-only adjustable rate mortgage to purchase our first home. 
Borrowers : XXXX XXXX is XXXX & XXXX XXXX XXXX is XXXX XXXX 
Loan Officer XXXX XXXX told us that the interest-only loan was the only loan for which we qualified. We both had 700+ credit scores and were the same risk as every other race and ethnicity. 
We checked those boxes that identified our ethnicity and race on our handwritten loan application. When Wells Fargo typed our applications, they checked boxes to indicate that we're XXXX & then gave us a higher interest rate. There's no interest-only option to choose on our handwritten application form, but the interest-only option appears on the application typed by the bank employee. I called Wells Fargo Bank around the beginning of XX/XX/XXXX to ask about our eligibility re : their recent settlement order for compensation. XXXX XXXX called me back a few days later to say that I don't qualify for settlement order payment. 
Attached is Our Handwritten Loan Application, The Typewritten Loan Application, Our Credit Score Reports from XXXX, Our Interest-only Mortgage Escrow Statements & Interest-only ARM Rider.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXX XXXX XXXX XXXXXXXX XXXX SS XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT
Product: Mortgage

I applied for a refi with XXXX XXXX XXXX who is my current mortgage company in XX/XX/XXXX. I was instructed to not pay my mortgage for XX/XX/XXXX and XX/XX/XXXX as the refi process was ongoing. Specifically I was told by loan processors that it was my choice to pay it but I did not have to as the refi process would " Take care of it. '' Today as my refi was to close almost 45 days after I applied on XX/XX/XXXX. The loan was closed out and I CALLED THEM to find out as my loan portal was empty. I was told that FHA regs cant go through as no 30 day lates were to be on my loan. I am beyond angry and feel like a fool for listening to these people. I am out {$500.00} for an appraisal as well as now have to make a double mortgage payment. I need help as they just brushed me off, I no longer desire to do business with these people as I was misled and now forced to wait as this bigly impacts my credit. I have nearly 100K in equity and I need to access it for home repairs and some consolidations. Is there any thing that can be done?? No where in my documentation did it say contrary to me paying the mortgage. I followed instructions to the T. I have all correspondence saved as well as documentation
Product: Checking or savings account

Discover said, they froze my account and rejected my direct deposit there for I called the NYS dept of Labor and they said they did not get a rejection what so ever. I called Discover on Tues, wens, Thursday and today Thursday they said they rejected my payment the dept of labor did not receive a rejection they said if they did they would re process the payment but since there was no rejection. I have no funds in my account and they did not want to provide me with no resolution.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I have spoken with both XXXX ( where the alleged debt came about supposedly starting in spring 2014 ) and Enhanced Recovery Company and XXXX say I do not have a debt with them, nor can they find an account in their system, yet they continue to keep a debt in collections on my credit report after repeated requests to remove it ( and assurances that it would be done ). 

When speaking with XXXX, they are adamant that I have no account with an outstanding balance nor have I ever. My husband has the cellphone bill in his name ... .with a completely different company. 

When I called Enhanced Recovery Company the representative searched and could find no record of an account for me, yet they refuse to remove this fraudulent and completely false record from my credit report.
Product: Vehicle loan or lease

We got the loan for XXXX the payoff amount is XXXX we lost our jobs bc of the car breaking down and issues with XXXX and our kids going through therapy our payments was XXXX a month we got behind 36 days tried to renegotiate terms before that but they said they couldn't do that and at that time we didn't owe them money because we was paid up. This is in XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a dispute with XXXX  because there is an istallment loan reported on my credit report for a vehicle from XXXX XXXX XXXX that I never recieved if you read the dates on the loan and call XXXX XXXX XXXX they will tell you that the deal was never funded because the dealer was trying to sell me a vehicle that was wrecked and damage I went ahead and cancel the transaction so the dealer is reporting to the credit beuraus as paid by dealer and because of this my credit score is extremely low affecting me getting a job, a house or any future funding the XXXX  report number is XXXX please help me get this item removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my fraud claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days.

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX - XX/XX/year> As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified.

I have contacted TransUnion several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency.

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period.

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXXXX/XX/XXXX
Product: Student loan

Not sure how but, I have ended up with over XXXX loans. I feel that I have been " wronged '' when it was XXXX/Navient, I have been over charged with interest and this puts me at a disadvantage in trying to pay back and reflect poorly on my credit.
Product: Debt collection

I am continously reviewing the particular debt on my credit report and i have not recall of this debt. please i am requesting the incurracte reporting on my credit report to stop.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss XXXX and I seek appropriate redress for these violations.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are instances of late payments recorded on my account. I am writing to request the removal of these late payments from my credit report. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Capital One sent me a letter today by mail. The letter stated that my credit card account had been closed for inactivity one month prior XX/XX/2018. Letter was recieved XX/XX/2018. I called and spoke to the manager [ id # : XXXX ] who told me it was in my terms when the account had been opened. I explained it was not in my agreement when the account was open fifteen years ago. There was nothing he could do. I advised I did not recieve a card to be used I had no active cards in my possession. XXXX had no option for reaolution that my fifteen year old account would remain closed.
Product: Credit card

I signed up for the BARCLAYS GOLD CARD and was offered all annual fees waived according to my initial terms and conditions. I since have received notice that will no longer apply as of XX/XX/2017. After having the card over a year they decided to send out letters saying that they will now be instituting an annual fee starting the end of XX/XX/2017. I know its a good deal but are they allowed to change the contract after they have already promoted and offered the initial contract. Should n't that be a grandfathered in situation due to the fact they lied about the card to get you to sign up then change the rules using a loop hole.
Product: Debt collection

Transworld Systems Inc., at XXXX XXXX XXXX, XXXX, NY XXXX has been persistently attempting to collect a debt that I do now owe. The amount they are attempting to collect is {$120.00} for services rendered by XXXX, a medical services company. I have paid this with my Flexible Spending account. I have provided Transworld Systems the payment processing date ( XX/XX/2015 ), payment ID, and transaction number. They have not responded other than trying to collect the amount.
Product: Credit reporting or other personal consumer reports

My account with 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 60 days 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.

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

I have been dealing with this company portfolio recovery for several years disputing these accounts with all credit bureaus that they have reported errors, false incorrect balances and dates for these 3 accounts on my credit report and to immediately removed from all 3 credit bureaus for using these illegal tactics. The 3 accounts was eventually removed from my credit report but just recently one of my credit financing websites that monitors my credit sent me a alert that portfolio recovery had reopened 2 of the old accounts and added them back to my credit report and to immediately look into this because they say this is fraudulent and unusual for a closed account to be reopened. This has also damaged my credit score extremely bad causing me to also pause on purchasing my first home until i get this fixed. This situation has been extremely stressful dealing with this company.