23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all Derogatory Remarks, Late Payments, Collection, Charge-offs, and Closed Accounts removed. The following accounts are all being misreported on my credit report. 
Please apply these laws to my accounts : the Fair Debt Collection Practices Act Law 111-203, Title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. 
ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX DATE FILED : XX/XX/XXXX TYPE OF ACCOUNT : Closed/Collection/Charge-Off ADDRESS : XXXX XXXX XXXX, XXXX, PA XXXX REASON : Not my Account. Please remove it from my credit report ACCOUNT NAME : XXXX ACCOUNT # : XXXX DATE FILED : XX/XX/XXXX TYPE OF ACCOUNT : Closed/Late Payments ADDRESS : XXXX XXXX XXXX, XXXX, PA XXXX XXXX : Not my account Please remove it from my credit report ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT # : XXXX DATE FILED : XX/XX/XXXX TYPE OF ACCOUNT : Revolving/Open/Late Payments ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX REASON : This account belongs to me. I never made late payments on this account. However, payments are showing up on my credit report as delinquent. Please change all late payments to on-time payments. 

ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX DATE FILED : XX/XX/XXXX TYPE OF ACCOUNT : Installment/Late Payments ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX REASON : This account belongs to me. I never made late payments on this account. However, payments are showing up on my credit report as delinquent. Please change all late payments to on-time payments. 

Please remove the following addresses from my account. I have never lived at the addresses listed below : Inaccurate Addresses as Stated On Credit Report XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXX
Product: Mortgage

On XX/XX/2021 we made a payment of {$5000.00} towards our principal reduction. The mortgage company adjusted/reversed the payment and put the money as if making advanced monthly payments so that they could get their interest! We called and reported this mistake to them and they said they would correct the mistake right away. BUT AGAIN on XX/XX/2021 we made another payment towards our principal in the amount of {$8000.00} and the company adjusted/reversed that payment as if we were putting the payment towards advanced monthly payment, charging us interest on that money AGAIN! These people are scamming us because we are trying to payoff our mortgage and their actions need to be reported! Is what they are doing legal?
Product: Credit reporting

There is a negative item on my report that only Tranunion has not removed from my report. The name of the original creditor is XXXX XXXX XXXX XXXX XXXX that states that I owe {$1000.00}. This is not mine and I have a letter directly from the Creditor ( Insurance company ) that validates this error.
Product: Mortgage

I took out two Fixed Rate HELOCs from Figure lending in XXXX. After COVID I had to file bankruptcy ( I kept my home ) my accounts were transferred to XXXX XXXX XXXX then they were transferred to Shellpoint and this is where is all begins. They refuse to acknowledge that these were FIXED RATE loans at origination. Nothing has changed to make them anything else but what they were originally. They have changed my interest rate and increased my payments. This has become a financial hardship for me. I have asked them numerous times to explain why this is happening as these were FIXED rate loans. The first woman I spoke with ( XXXX ) said she indeed see original paperwork showing fixed rate loans and would send to the appropriate department and it would be resolved in 5 days ( That was on XX/XX/XXXX ) after 5 days and no resolution I called again, this time I was told it would take 45 days and to make the higher payment and they would credit back the difference. After 45 days, nothing happened. My payment is still higher. Now the interest rate has returned to my original rate of 9.25 % ( they put me to 11.75 % ) but my payment has not returned to normal and I am getting a run around. Not that it matters to them, but I am XXXX XXXX XXXX XXXX XXXX XXXXXXXX and them offering no help but a run around is absolutely insane that they can do this and give no answers. Their math does not make any sense. Any help is greatly appreciated!!
Product: Money transfer, virtual currency, or money service

<This is not a duplicate complaint> Dear Paypal, it is important to note that this Complaint involves an account that is in my name : XXXX XXXX ... Please send my funds by US-check. Thank you!
Product: Debt collection

Hey, I am XXXX XXXX and from my XXXX XXXX  someone robbed my stuffed my my truck. He robbed my tablet too and bank check book. In that tablet there was my social security. Then he bought a mobile phone under my social security number. That payment then pitted under collection and lower downed my credit score. So I am reaching you guys to suggest me or provide me information how to protect my SSN to be not used by that person in future. I already reported in police station and they come to know that person who did that robbery. But police is not taking any action against that person. Because he also applied checks from my bank too.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute inaccurate information reported by XXXX XXXX XXXXXXXX on my credit report, as reflected in the data from XXXX and Experian. These inaccuracies violate Section 623 of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to provide accurate and consistent data to credit reporting agencies. Additionally, the reported information appears to disregard XXXX XXXX industry standards, which are designed to ensure uniformity and reliability in credit data across all bureaus.

For an accurate representation of this account, I request that the CFPB facilitate a verification and update process based on the following XXXX XXXX  Base Segment fields : 1. Base Segment / Field 10 - I request that XXXX XXXX verify and ensure the accuracy of this field according to XXXX XXXX standards. 
2. Base Segment / Field 12 - I ask that XXXX XXXX verify the accuracy of this field and ensure it is consistent with XXXX XXXX coding. 
3. Base Segment / Field 8 - : I request verification of this field to ensure it is reported accurately across all credit bureaus in accordance with XXXX XXXX guidelines. 
4. Base Segment / Field 17 & Field 18- Please verify the accuracy of these fields to ensure they align with XXXX XXXX standards. 
5. Base Segment / Field 19 - I ask that this field be verified for accuracy according to XXXX XXXX standards.
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below CAPITAL ONE XXXX
Product: Debt collection

To Whom It May Concern, I am writing to formally address a serious issue regarding, Possible Finance, which appears to have misrepresented financial activity under my name and committed negligence under applicable laws. This has resulted in negative reporting on my XXXX credit report, despite the balance being paid off. 

Details of Concern : - The company, listed as " Possible Finance, '' shows a balance of, {$100.00}, updated as of XX/XX/year>, which has been resolved and paid in full. 
- Despite the resolution, this balance remains on my credit report in a negative status. 
- The only information available for this company includes an invalid address ( XXXX, WA XXXX ) and a phone number ( XXXX ). Attempts to locate their full address through further searches ( XXXX and XXXX  ) have failed, raising concerns that the company may be fraudulent or cloned. 
- Each time I have mailed a formal dispute letter to request removal and resolution, my letter has been returned as, undeliverable, due to the invalid address.
Product: Mortgage

Weve tried to get loan modification but was denied. We need loan arrears put on back end of loan with current interest rate.
Product: Credit card or prepaid card

OnXXXX, I checked my email and there were email notifications for purchases made with my XXXX XXXX  and the card on file. I checked the XXXX Citi credit card app and saw that on XX/XX/21 one {$500.00} purchase was made and then canceled. Right after the cancellation, a {$2000.00} purchase was made and both purchases had the digital gift card sent to the same email, XXXX. After noticing these fraudulent charges, I called Citi Bank customer service and reported these charges and I was told that they could not be disputed since they are still pending. I proceeded with canceling the card that was used. I then called XXXX customer service and reported that the charges were not made by me and they noted that in my account and advised to file an FTC report, contact local authorities, and reach out to the back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hereby demand that you promptly remove any claims that have been reported unfairly and unlawfully against me. This request serves as my official notice to you that I dispute the reporting of claims included in the notice, and I challenge you and any other data repositories involved to provide indisputable evidence that each claim was made in accordance with the mandated XXXX XXXX Data-filled Field Formatted reporting standards.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX of 2022 my checking account was debited {$580.00} by OneMain Financial. 

This was a big surprise to me because I dont have an account with OneMain Financial or any of its affiliated companies. I never borrowed any money with OneMain Financial or its affiliated companies. 

I called ( XXXX ) XXXX which belongs to OneMain Financial on XX/XX/XXXX of 2022 to dispute this charge but they told me they can not do anything to refund me. 

My guess is that someone who borrowed money from OneMain Financial put my bank account as payment method and OneMain Financial charged my checking account to pay for someones loan. 

OneMain Financial could have prevented this if they verified that bank account set up as payment method belong to consumer who borrowed money from them.
Product: Payday loan, title loan, or personal loan

About the time the pandemic started, netcredit suspended my line of credit despite my having paid 1000 % the required payment. The company emailed me, while having a perfect payment history, that my line of credit was suspended due to the pandemic, yet didnt offer a reason my line was being suspended. I contacted them. They said in not so many words, tough, you still owe XXXX XXXX Since they did that, I suspended their ability to draw out of my bank account. Afterwards, they made making a payment XXXX near impossible. They also gave relief to COVID affected customers but not to me.
Product: Credit reporting or other personal consumer reports

In XXXX I started receiving past due notices in the mail for another person. Since it was not a name associated with me, I threw away these notices. Then we applied for a refinancing of our house and I was rejected because of my credit score. I requested my credit report from Experian and found they had merged this persons credit information with mine, which resulted in my credit score being reduced by over 100 points. After spending hours on the phone with Experian, they removed the erroneous information from my account and told me it was my fault for not using my middle initial on credit applications.

So I added my middle initial to all my accounts.

What Experian did not tell me on the phone was that they also added a safeguard to my account.

Note that the other two credit bureaus did not lower my credit score. 

Fast forward to XXXX, I noticed that my credit score with Experian was falling fast. I looked at my credit report and saw the problem : it did not show my three credit cards. Since my mortgage was paid off, and my other lines of credit were recently paid off and closed, Experian was showing I had no lines of credit. 

On XX/XX/XXXX, I called Experian and finally got to a manager who could identify the problem. Because Experian merged my credit account with a wrong entity ten years ago, Experian has a safeguard on my account so nothing can be merged unless it contains my SS # or full name ( not just my middle initial as I was previously instructed ). 
Since we can not add my SS # to the credit card accounts ( they are not joint accounts, but set up as authorized user ), the phone representative tried to merge my account with my husbands information. A few weeks later, I received a notice that this dispute was denied. 

On XX/XX/XXXX I called Experian again since my FICA continues to plummet. Note that my credit score is about 100 points higher with the other credit bureaus. 
I tried to tell the phone representative the issuethat our credit card accounts are authorized user accounts so my SS # can not be added, therefore I wanted Experian to remove the safeguards from my account so it will function like the other credit union accounts. The rep interrupted and was quick to blame me for not adding my FULL middle name to all the credit cards and that will get them connected to the Experian account. 

So once again, Experian is claiming that it is my fault that they have ruined my credit score. 

I have contacted my credit card companies again and found that I would have to open new credit card accounts to make them joint accounts. As a result, I have added my full middle name to each account. 

I have no guarantee that this method will solve the problem of Experian blocking my credit information from being accurately gathered into my Experian account since they have led me astray several times in the past.
Product: Credit reporting or other personal consumer reports

Its a violation for any Company or Bureau to to repot anything on your credit report without your consent. I have never given Experian any verbal or written consent to report a collection on my credit report. If Experian continues reporting this it is considered identity theft. This is supported by code USC 1681b permissible Purpose. Furthermore, I have disputed this said debt by Security Credit Services account # XXXX in the amount of {$5500.00} several times with it still remaining on my report. Experian sent me proof that the debt was mines with a forged signature nothing like my actual signature with transactions showing payments from my stolen bank card from XXXX. This card was reported stolen and XXXX refunded me the money stolen as their investigations proved the card and transactions were not done by me. I have explained this several times both written and orally to Experian without any rectification. Because Experian has been reporting this it has caused me great stress and I am suffering from XXXX. I am unable to sleep at nights due to the fact that I can not purchase a home or vehicle. Thus why I have reported them to the CFPB.
Product: Money transfer, virtual currency, or money service

To whom it may concern, I am writing to formally express my concerns regarding Zelle 's handling of disputes. This is 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 not possible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system. This left users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Hi my name is XXXX XXXX I'm the owner of the XXXX XXXX company XXXX XXXX XXXX XXXX. 

In XXXX of 2021 we have contracted ability network to provide us with a billing software to bill Medicare patients that we provide durable medical equipment to. 

Unfortunately, they were not able to provide us any adequate training. for example, normally when you buy a software the software provider would give you several training sessions, more or less, based on how complicated the software is, then as you start using the software, they are available at least for the first few weeks to guide you and answer any questions that come up, as they always do. 

In this case however, as soon as we signed up they began billing, without providing any training. 

We had to run after them to provide us with some training, finally they scheduled a training day in a couple of days out, in the mean time we were not able to use or even play around with the software to figure it out because we had not been given any log in or anything to even see the billing software. 

Finally we got around to the training date and we got to speak with someone, she told us a whole list of things that we would need to obtain from Medicare so we can start billing, the things we needed were mostly things we have never heard of with very unfamiliar names and terms, we started trying to get them, in the process many questions came up and whenever we needed clarification even on minor things we would have to schedule an appointment for a few days out to discuss, all the while we are continued to be billed. 

despite all of that we continued try 'an make it work, we scheduled, waited, asked, and then scheduled again waited again and asked again. remember, we are still not able to do anything with the software, let alone bill, which that is the entire purpose of the software. 

Finally we thought we got everything they told us we need, we sent it over to them, eventually they came back and told us that the packet we received from Medicare is for the incorrect region, when we asked them which one is the correct region the answer was that they don't know and we should find out our selves. 

At that point we were already tired of this, so I sent them an email asking them to stop billing us, since they are not able to provide effective training and we have so far never used the software, something which they do not deny. 

A little after that email we began receiving emails from them about more training, but we were already tired of this unheard of process, but the bills kept coming. 

Now we received a collection letter of {$1400.00} for something we were never able to use, this is completely outrages.
Product: Debt collection

Greetings, I am filling a complaint against XXXX XXXX XXXX also known as Sequium Asset Solutions as well as XXXX XXXX. The complaint is that they never sent me any written notification of a debt or contacted me via email, phone, nothing. No communication at all. I found out about the debt when I applied for a car loan and was completed blindsided that I had a negative mark on my credit report from XXXX XXXX XXXX also known as Sequium Asset Solutions. 

After doing some research and looking into the situation I now know what happened. The original debt was with XXXX XXXX. When I first got my service installed they had the wrong apartment number listed. They fixed it in there system and to my knowledge everything was in order but they ended up billing me twice ( which I was unaware of ). The second bill was listed to the wrong address so I never received any notification from XXXX XXXX about the debt either. I always pay my bills on time and have never had an issue with my service from XXXX XXXX so after spending an hour or two on the phone with XXXX they apologized for the mix up but said since the debt was with a collection agency I would have to deal with them. The agency they directed me to was Sequium Asset Solutions. I was a little surprised since the debt was listed on my credit report as XXXX XXXX XXXX. That's when I found out they're the same company. Anyway, I explained the situation to them to which they didn't care. They just wanted their money and since I wanted it removed from my credit on XX/XX/XXXX at XXXX I paid the amount of {$130.00} in full. Since paying the debt they have neither removed it from my credit report or reported it as paid. It still shows up as an unpaid open account. 

I feel very cheated that I was not given any notification about this debt and therefor had no chance to pay it before it was reported to my credit.
Product: Credit card

I am writing to file a complaint against American Express ( Amex ) regarding an issue with unfulfilled promotional points. Below are the details of my complaint : On XX/XX/XXXX, I applied for and was approved for the Amex Platinum card. Before applying, Amexs system confirmed that I qualified for a signup bonus, specifically XXXX points after meeting a minimum spend of {$8000.00}, as well as an additional XXXX points per XXXX  spent at restaurants. 

Upon meeting the required {$8000.00} spend threshold, I did not see the XXXX points reflected in my account, nor was I receiving the XXXX points per XXXX  spent at restaurants. Initially, when I called Amex to inquire about this issue, I was told that points could take up to 8 weeks to reflect on my account. 

After waiting the suggested period with no change, I made a second call on Thursday, XX/XX/XXXX. During this call, the agent informed me, over a recorded line, that although I had initially been approved for the promotion, it was later declined. Crucially, I was never informed about this change in status. 

Amex has a system in place to inform applicants if they qualify for a signup bonus before applying for a card. Based on this system, I was approved and began using the card with the expectation of receiving the promised rewards. Amex did not notify me that these bonus points would not be awarded, causing me to miss out on significant opportunities to earn higher returns by using alternative credit cards. 

I believe this constitutes deceptive practice and a breach of the terms that were presented to me at the time of application. I kindly request that the CFPB investigate this matter and assist in resolving it promptly. 

Thank you for your attention to this issue.
Product: Money transfer, virtual currency, or money service

A former Cash App employee accessed and downloaded reports containing U.S. information back in XXXX XXXX. I believe my information and data to be amongst the many that have been breached, along with suspicious transactions at this time that was never resolved nor was i notified of anything sort of matter.
Product: Credit reporting or other personal consumer reports

REINVESTIGATION I desagree with the previous investigation of the account listed below which still appears on my credit report even after your investigation I would like this item immediately reinvestigated the inaccuracy are highly injurious to my credit score XXXXXXXX XXXX XXXX XXXX  account number # XXXX XXXX XXXX XXXX account number # XXXX ACCOUNT TRANSFERRED OR SOLD FROM XXXXXXXX XXXX XXXX XXXXXXXX In accordance with the fair credit reporting Act.Public law 91-506, Title VI, section 611, subsection A-D, please provide the name and business addresses of each individual with whom you verified the above, so that I may follow up. Please give me an update copy of my credit report after your investigation
Product: Credit card

I took our 0 interest card with Citi in XXXXXXXX XXXX XXXX I never recieved the card, at it took 3 or 4 attempts to get citi to issue a replacement card, despite my numerous requests. This cause me to miss out on a month of 0 apr, due to citi not holding up their end of the agreement, by not issuing a card, and refusing to issue a replacement for over a month. Due to their employees not fulfilling my request and possibly never issuing me a card in the first place seems like an intentional way to reduce the amount of 0 interest months one can actually make use of.