23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Wednesday XX/XX/XXXX I received a phone call stating that I had owed XXXX on one Account and {$970.00} on another medical bill account. I inform the agent that I was currently enrolled in a payment plan which was automatically drafted from my account. The agent initially had stated that there was a lapse of payment and my account somehow had gone into arrears. I was not only shocked and surprised but I was insistent upon that Ive always been on top of my credit and this was definitely mistaken. The agent said not to worry they would handle it by offering me a 12 month payment program in which I couldnt roll over the phone so I hesitantly decided to reenrole and Payment was drawn out from the exact same checking account. After I got off the phone and processed everything that has transpired, i immediately called back and asked to speak to a supervisorXXXX  XXXX ( the on duty ) assured me Not to worry and gave me an email address for me to send correspondence to which would explain that in fact I was already enrolled in a payment plan -which in fact was current and in affect from XX/XX/XXXX until XXXX. My payments were NEVER IN ARREARS nor was any payment attempted in XXXX and found insufficient .I never received any written email, letter or call stating payment wasnt applied rather Wake Associates called me and INNACCURATELY REPORTED my file to XXXX  and put accounts in collections. This is not ok and when I called backYesterday I was told by XXXX XXXX that they were doing a manual deletion and not to worry. I have saved all of my written correspondence with my outline emails and have proof of my phone calls. I am 100 % certain that this was an error and I would like for this to immediately be resolved and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, last updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX is reporting a pass due balance of : - {$120.00} - {$420.00} on my Consumer Credit Report. 
I do not have a contract with XXXX financial. 
This is a violation of 15 U.S. Code 1692j ( a ) Please note on attached document XXXX is not the original creditor Furthermore this account is being reported as " Loan Type - Collection Agency/Attorney Violation of 15 U.S. Code 1692e ( 3 )
Product: Debt collection

I have a closed account showing on my credit report in the amount of {$2600.00}. I have disputed collection with the so called creditor XXXX XXXX Online. They are alleging that I owe a balance to them when all of my schooling was handled by FAFSA and pell grants. Soon after disputing the account, I got a letter from General Revenue Corporation ( GRC ) demanding payment, so I called this company asking why I needed to pay them and if they would send me a copy of the contract they were attempting to collect on. I spoke to a XXXX XXXX an agent who was very professional and she agreed and stated that I did n't owe GRC anything. She then transferred me to XXXX XXXX who was a manager that was very rude and unprofessional, interested only on collecting and not verifying the debt or resolving the matter. I also asked her if she could send me a copy of the contract that she stated that she had, but she refused. I recorded the call as she asked me for personal information numerous times attempting to build on what little information they have besides my name. I declined just as she did when I was requesting the contract, in lieu of my identity being stolen by someone posing to be a legitimate company, providing suspicious documents that anyone could type up with no letterhead and no original signatures. XXXX XXXX informed me that the information she had was all she needed in order to collect on the debt, even though nowhere on the ( suspicious ) XXXX page contract do I give XXXX the consent to share my information with any third party company. The call ended when I asked her one last question about why they sent me XXXX page of the contract, and not the entire agreement that was signed with the so called original creditor XXXX. She ended up hanging up on me stating that she would put me in her system as a refusal to pay. Please help me gather legitimate documentation from the original party pursuing the debt, with support showing they loaned me funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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: Debt collection

I was living at XXXX XXXX XXXX in XXXX. I lived at the apartment complex for two years. The department manager filed an illegal claim against me due to racism, and for a compliant I filed a complaint with HUD against the maintenance man. 
Later XXXX XXXX file an illegal claim for rent and possession. I did not owe rent. I was not late, and the apartment manager told me that she was going to file this claim against me, and would not post my rental payment to my account. 
XXXX XXXX lawyer file an illegal claim for rent and possession. The court granted XXXX XXXX possession, but they got a XXXX money judgment. I was not served properly, and XXXX XXXX submitted a false affidavit that I waived my rights during the pandemic. 
I was checking my credit scores when I found that they use a company NATIONAL CREDIT SYSTEMS and put this on XXXX XXXX credit report. My credit scores went down XXXX points.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  - Account Number : XXXX Account Name : XXXX  - Account XXXX : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX
Product: Debt collection

7 months ago I received a notice that a collection came up on my credit report from COMMONWEALTH FINANCIAL SYSTEMS stating I owned them {$540.00} for hospital visit that my son had on XX/XX/2012. 6 years later and they add this collection on my credit report. The only time I have been to that hospital was for a wreck my children and I were involved in on XX/XX/2012. I contacted the Hospital and they confirmed that we were there on XX/XX/2012 but they did not have any record of us going there XX/XX/2012. After the wreak and hospital visit I hired a lawyer to take over my case against the other driver. All my children 's and my medical bills were all given to my lawyer who then paid off those bills through the settlement we received. I contacted CommonWealth and faxed them over the bills my son had and it showed they were paid and also shows the date of service which was XX/XX/2012. I sent them the proof that the date of service they had was wrong as we were never in the hospital that day. They have yet to respond to anything I have sent to them and have failed to provided me with any validation that I owe this debt. The last 7 months have been XXXX trying to get them to remove this debt. It has ruined my chances of getting approved for a home mortgage as when it was added I was right in the middle of trying to get preapproved.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I called TransUnion and asked what was the update on removing U.S Bankruptcy Court reference number XXXX for my consumer file. I was told by XXXX that I was being denied the information. 

Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

If the banking system is depended upon fair and accurate credit reporting, what's fair about XXXX from TransUnion telling me that he can not provide the information of the third vendor that has verify this Bankruptcy that is reporting with only TransUnion. I have informed TransUnion numerous times that this Bankruptcy needs to be removed from my consumer file. I have provided numerous documentation and TransUnion has failed me as a consumer in regards to reporting accurate information. 

I then called XXXX and spoke with XXXX. I informed her that I spoke with a TransUnion rep today and he stated that XXXX verify this bankruptcy as accurate. XXXX pulled my filed and stated that its no bankruptcy reporting on their end and that they did a manual dispute with TransUnion on XX/XX/XXXX  and the result were just mailed out to me on XX/XX/2XXXX  and I should get them and 5 to 7 business days. She also stated that she didn't heard anything back from TransUnion. Interesting thing is the TransUnion rep stated that XXXX verify the Bankruptcy. I am being mislead by these two Entities. XXXX and TransUnion are working together to ruin my credit worthiness. I feel I am being bully and lied too and I don't like it. I have been informing them for a year now and nothing has been done. TransUnion nor XXXX does not care about the rights and privacy of consumers. They are misusing their power that was given under regulation. It's not fair to continue to ruin a consumer file when proof has been provided. 

Please Help.
Product: Credit card or prepaid card

I would like to file a formal complaint against XXXX XXXX dba Care Credit. XXXX XXXX of XXXX XXXX dba Care Credit claims in her letter to you dated XX/XX/2018 that I was attempting to modify their dictated terms of agreement. This is another falsehood on the part of XXXX XXXX ; they have yet to acknowledge their failure to respond to my original complaint for 8 months and only responded after I filed a formal complaint with the CFPB. Additionally, in the second paragraph of her XX/XX/2018 reply, she states that the interest charge would be removed if I pay {$1600.00} by XX/XX/2018. In fact, XXXX XXXX dba CareCredit applied my {$200.00} payment on XX/XX/2018 and applied by {$1600.00} payment on XX/XX/2018. However, XXXX XXXX dba Care Credit then turned around and charged a late fee of XX/XX/2018 of {$38.00} and an interest charge of {$82.00}. This is yet another example of XXXX XXXX ongoing abuse of customers and fraudulent treatment of customers. These charges can only be due to the fact that XXXX XXXX misapplied my XXXX payment and then failed to remove the charges they agreed to remove in XXXX XXXX XXXX XXXX reply of XX/XX/2018! 

Clearly, the prior agreement XXXX XXXX  reached with the CFPB has not stopped their customer abuse of assessing false charges to consumers! Additionally, XXXX XXXX has yet to provide a phone number at their corporate headquarters that will be answered by a live person. The only headquarters number listed on their website is a phone number that goes to a recording that promises someone will call back within 48 hours. No one from XXXX XXXX   has yet to call me back from the first two messages I have left on this number ; someone only returned a call and left a voice mail this time because I told XXXX XXXX that I had left a message and no one had yet to return the first two messages.
Product: Credit reporting or other personal consumer reports

I was stunned to find out that my credit report includes an inaccurate account that I didnt authorize. This error has been dragging my score down and making it harder for me to move forward with opportunities Ive been pursuing.
Product: Debt collection

The company went out of business ( Easy Money ) they never tried to collect. But they put damaging items on my credit report. All Im asking is that whomever put it on there for the last XXXX please take it off!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Duvera Financial has been reporting my account as past due monthly although this account is in the collection phase. I have complained previously about predatory lending practices such as excessive calls and being harassed about a debt that I did not agree to. The interest rate and continuous fees were not explained to me properly and I feel that this lender should not be in business. The bill of {$1500.00} has ballooned to over {$7000.00}. In this climate, those fees are ridiculous. In addition, the account is being reported as open and past due with is incorrect. Please remove this account from my credit report.
Product: Credit card or prepaid card

I have an account unknown to me with XXXX which seems to be a prepaid money card. 

First I received a email from them telling me congrats on opening an account with them. 
I meant to contact them at that time. 
Also there was another email of the same, except for it had some other person 's name in it sent to me. 

So I do not know what is going on with that! 

Then I just received in the mail a XXXX pay card - which the card is missing from the envelop. 
So I tried calling their listed number XXXX But without that card I don't have the card number it asks for, in order to go any further in their automated system. 
I do not want to enter my social security number it requests to do so - I do not know this company. 
And everything seems so fraudulent already. 

So I need two things please : Any and all accounts with XXXX closed. 
Explanation of how these accounts are being opened. 

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

XX/XX/2020 inquiry. XXXX XXXX XXXX. I did not make this request and have no idea what it is. No other credit agencies are reporting this. 
XXXX XXXX and XXXX XXXX  XXXX are the same inquiry and happened on the same date. The other agencies are reporting this correctly as one inquiry. 
Have tried to dispute this multiple times but the transition app and website keeps telling me that there are technical issues and to try back later.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

I am currently trying to refinance my original mortgage with a new company and being approved the company has tried to get my payoff amount from the original mortgage company. The original mortgage was a HAMP. When I received the payoff, it went from {$100000.00} to {$120000.00} of which {$20000.00} was charged for " shared modification appreciation ''. I was not told at the time of the payoff request that they would take into consideration any improvements done to the property and reduce the " shared modification appreciation '' amount. I spoke with the company and was told if I sent all the documentation showing expenses incurred for improvement on the property, they would take this into consideration and reduce the amount of the appreciation. I sent everything in on XX/XX/XXXX and have been waiting to hear from them ever since. In the meantime, I had to postpone my closing with the new mortgage company since this is an important piece of information needed. I have been calling the original mortgage company at least 2-3 times per week requesting the new payoff amount and as of today I still do not have it. I am getting the runaround and need help to resolve this. 

The original mortgage company is XXXXPHH Mortgage Services XXXX XXXX  XXXXXXXX XXXX  XXXX, N.J. XXXX Contact person is Mr. XXXX - phone # XXXX - Option # XXXX - Extension XXXX Attention : Escalation Department General phone # XXXX
Product: Checking or savings account

This is a follow on to XXXX. This matter was closed before resolution was final. You received a response from KeyBank, however, they acknowledge that they owe me a small sum of {$42.00}. However, sense XXXX XXXX I have not recieved the final balance or the copies of my monthly statements which had been requested 5 times. 
The representative from Keybank XXXX XXXX provided her direct contact number if I had any questions. I called XXXX XXXX at XXXX on XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time leaving a brief message and requested follow up. 
XXXX XXXX has not responded by phone, email or mail. I have not received all of my funds on my account. Nor have I gotten my statements- which would allow me my right to review all transactions on my account and to assure myself that all stolen funds have been returned. 
The balance of {$42.00} is due to a purchase returned to the XXXX XXXX XXXX. It should not take 2 months to respond to my calls or to release a check- which she acknowledges is due to me. 
The receptionist I spoke with each time express understanding at my frunstration but could only send an email to XXXX XXXX XXXX to no avail. She is never available to take my call and refuses to respond to them. I asked for another representative to speak to and was told I could not. 
Please intervene once again on my behalf to bring this matter to a FINAL resolution. 

I amconfident that had I not involved the CFPB I would not have gotten a response from Keybank at all. Please assist once again to bring this to a final close. 
I am due {$42.00}, monthly statements from XXXX XXXX thru XXXX or what ever month becomes the final closeout month. Because of refunds I do not know if there are anyother transaction amounts due me. I need to see my statements and should not be denied access to my financial records. 

Respectfully XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company XXXX has incorrupt information on my credit report. They said I did a settlement thats a lie I paid in full they keep going back-and-forth with me saying Ive never paid it. I have now got a lawyer they said that they were going to remove the XXXX dollar one that they Maliciously reporting on my credit report
Product: Credit reporting or other personal consumer reports

Experian is reporting an account that does not belong to me ( XXXX XXXX XXXX XXXX ) balance {$2800.00}. I have sent many letter and requested for a removal and have sent letter of verification for the debt I asking for a sign contract a signature and I was not provided this information I gave Experian 30 days to send me these documents which they have failed to do so I am requesting immediate removal or lawsuit will be filed
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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 15 U.S.C 1681c. ( 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 of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 believe that the information is inaccurate.
Product: Mortgage

This is second complaint regarding late payment posting by US BANK. 
I was approved for forward mortgage payments through the Homeowners Assistance Fund ( HAF ) for mortgage payments for 18 months. The HAF stated that they sent payment to US bank on XX/XX/2023. US bank hasn't posted any payments to my account as of XX/XX/2023. I want to escalate this matter as the end of the month is here and I do not want any late payments reported to the credit bureaus. This is a reoccurring issue with US bank not reporting payments timely but yet I receive correspondence requesting payment when the payment is sitting there. I would like for US bank to research further to find the payment and post to my account and credit bureau without penalty.Thank you
Product: Credit card or prepaid card

On XX/XX/2021, I was a victim of IDENTITY THEFT. Several accounts were opened under my name and I have completed a POLICE REPORT FOR IDENTITY THEFT and an FTC REPORT FOR IDENTITY THEFT AS WELL. XXXX XX/XX/XXXX XXXX sent me a bill for an account that it not mine nor I did open. I sent them some documentation on XX/XX/2021 and as of XXXX-21, no reply yet. I am attaching a second letter with the different reports. As of today mi CREDIT has been ruined.