23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ill be contacting the FBI. Yesterday I received a letter from a collection agency XXXX XXXX, inc stating that I owe {$1100.00} to USI Solutions for a debt originally belonging to XXXX. I do not owe any money to any source for any reason ... I have absolutely perfect credit and zero outstanding debt anywhere. I see nothing on my credit reports regarding this debt. I have absolutely no negative information on my reports. Out of the blue I received this strange letter offering To settle the debt for {$290.00} and Im told I have until XX/XX/20 to send payment. I never heard of this company and theres vague information in this letter regarding this mysterious debt. I searched online and this company seems like they are scamming a lot of people. The better business bureau pages are filled with complaints. I do not owe any money to anyone. I am not responsible for this debt and I find it alarming how all these companies have very little info on websites. All they have on website is a credit payment option and nothing regarding the bill I am being asked to pay. This is clearly a scam and I think these people need to be shut down fast. I know my right and this debt does not belong to me.
Product: Credit reporting or other personal consumer reports

Identity theft report was filed as a result of finding inaccurate information on credit report file. All credit bureaus ( XXXX, XXXX, and Experian ) were contacted in regards to removing all inaccurate information off of credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my Equifax credit history and noticed that on XX/XX/2018 a hard inquiry was posted on my account. I have never applied for any line of credit with the company and have never done any kind of business with them. It shows " XXXX '' as the name of the institution and " XXXX XXXX XXXX XXXX '' next to the description. After researching I found out that XXXX stands for XXXX of XXXX XXXX. The credit reporting website said to contact the creditor ( XXXX ) to dispute the inquiry. I contacted XXXX and they said that they could not help, that I had to contact Equifax directly for them to remove it from my account. I then contacted Equifax and told them what XXXX told me and they said that they are only a reporting agency and that the process must be initiated by XXXX. XXXX still does not help and I am stuck with a hard inquiry I did not initiate and 4 hours of my time wasted. None of then want to help.
Product: Debt collection

( a ) Accuracy and fairness of credit reporting The 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

( Pub. XXXX XXXXXXXX XXXX XXXX XXXXXXXX, as added XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX. )
Product: Credit reporting, credit repair services, or other personal consumer reports

During the COVID-19 pandemic, which started in XX/XX/2020, I requested a deferment for all of my USAA Federal Savings Bank accounts ( Loans, Credit Cards, etc. ). After the request ( provided over the phone ), I removed all of my account auto pay options in order to skip a few payments until XX/XX/2020. 

By XX/XX/2020, I had paid up all of my accounts to current status. However, USAA Federal Savings Bank reported my credit car account and personal loan as " Missed Payment '' for XX/XX/2020. 

I have addressed this issue directly with USAA and also requested a dispute on my credit report. USAA has NOT fixed the errors. 

How can I fix and/or start legal action. My credit score was downgraded significantly. Up to this point, I had NEVER had a late payment in over 20 years with USAA!
Product: Credit card

Hello, In early XXXX Macys ( Citibank ) contacted me regarding a charge on my Amex card with them for a purchase with XXXX. I responded stating the charge was not mine and nor was the XXXX XXXX charge of {$43.00} for a charge on XX/XX/2023. They marked my card as lost/stolen and then issued a new card. Once I received the new card I went to activate the card to use at the store. That is when I noticed a balance of {$43.00}, I called to inquire why there is a balance still for the XXXX XXXX charge. They stated they had no record of the dispute, but would register my dispute, mark this new card as lost/stolen and issue a new card. I logged on to my account on Monday XX/XX/2023 to yet again find on the new card the {$43.00}, {$29.00} late payment fee, and a {$2.00} minimum interest fee. I can not seem to get them to understand the charge is not mine! The keeping issuing new cards and transferring the charge to the new card, plus now adding fees. They stated they will stop the collection calls as the charge is in dispute, but they are not taking care of the matter at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX you are in violation of XXXX XXXX XXXX due to not VALIDATING THE ALLEGED DEBT. 
XXXX XXXX  I respectfully request that your company provides me with competent evidence. 
I am also informing you if your company has or continues to report false information to any of the three major credit bureaus this action might constitute fraud under both federal and state laws. 
If any negative mark is found or continues to repost on any of my consumer reports by your company or the company you represent. i will not hesitate in bringing legal action against you and your client for the following : VIOLATION OF THE FAIR CREDIT REPORTING ACT
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE THE ENCLOSED FILED TO THE FTC LISTED BELOW IN ATTACHMENTS
Product: Mortgage

Ditech has been harassing the XXXX family I the living has had a private investigator sent to my house I have never authorized my private information to be given out or my address to were my children lay there head. I have requested for the accounting both set of books as I know there is 2 sides and any contract Ditech feels that I may have with them. As I have never had a contract with Ditech or gave consent to Ditech. I am asking for cusip number and XXXX form from Ditech. I need the XXXX information to provided to IRS for accounting. I want to see the accounting of the books as there is 2 sides of accounting. Mortgage default title insurance should have been applied for either from XXXX, Greentree. I have no idea how ditech was given the XXXX private information. I have revoked any power of attorney from outside sources and have revoked any power attorney for XXXX XXXX. This company needs to be looked in to I am also sending in a form XXXX to IRS to look in to this company and for all accounting. I have also requested the XXXX oid and have not received this information I am entitled to. I am do back interest and have not been given what is owned to the XXXX Family.
Product: Mortgage

JG Wentworth ( mortgage broker ) offered a 20 year mortgage refinance at 3.49 %. Just prior to closing, I was given a final loan package to review which indicated that I would need to bring {$3000.00} to close with my new loan payments set to begin in XX/XX/XXXX ( I did not wish to " skip '' a month of payments in the new loan ). I also discussed the cash to close amount with the loan officer XXXX XXXX. Finally, I made preparations with my bank to have these funds ready for closing. The loan closing was pushed back a couple of days, for unclear reasons on the lender 's side, and I was scheduled to close on XX/XX/XXXX. At closing, when reviewing the documents, it appeared that the entire prepaid/escrow amounts had changed as did the plan for me to begin payments in XX/XX/XXXX.I moved forward with signing the paperwork ( with knowledge of my right to rescind ) and contacted the XXXX and her supervisor XXXX XXXX . Per the loan documents, the first payment was pushed back to XX/XX/XXXX ( without my notification or approval, resulting in additional interest prepaids being due at closing ), the 6 months of property tax escrows were moved to prepaids and 2 additional months of escrow were added. As a result of these last minute changes being made ( without my review, approval or notification ), the closing amount increased significantly to {$5100.00}. No clear explanation was given despite my speaking with the loan officer and her supervisor. I requested that they honor what had been offered to me. They continued to tell me how it was in my best interest to close the loan given the fact that rates had increased. I was offered {$450.00} off of the closing amount. I asked for them to fix the paperwork to reflect what I had agreed to and allow me to close prior to my rate lock expiration XX/XX/XXXX or to extend the rate lock x 2 weeks to allow time for their paperwork to be corrected. I reached out to the XXXX XXXX ( supervisor ) and requested that I be contacted regarding the plans for my loan. Absolutely no attempt was made by JG Wentworth to remedy this issue prior to loan rate expiration. It also appears that they have blocked  my access to the online portal containing all of my documents related to this loan. I was able to download the documents to substantiate my complaint prior to this action being taken.
Product: Credit reporting or other personal consumer reports

I made numerous attempts to have old inaccurate deleted from my credit report. I haven't had any compliance with this matter. XXXX has been reporting inaccurate and reinstating old information that hasn't been verified with me. This is a violation of FdCPA and the fcra consumer laws 15 usc 1681 and 1692.
Product: Money transfer, virtual currency, or money service

Dear CFPB Representative, XXXX XX/XX/2021, I processed a XXXX transfer for $ XXXX to do a property rental reservation. Attached you may find the chain of emails related to the transaction. Similarly, attached is a copy of the Booking Form I received from the person I had email communications. 

The past XXXX XXXX, I filed a fraud complain through my bank ( Bank of America ), and I explained to them all the situation. I also told them that I have all the information to probe the fraud. Per my request, Bank of America informed to me that the money was transferred to an account in XXXX Bank, but they could not provide additional information. I informed them that if both banks do not do anything about this fraud, it looks that bank are participating as a legal tool to commit frauds in the US. 

I received the attached letter from Bank of America, see attached letter. It is not a final closure of the case, but it looks like a first step to get rid of the claim. The claim number is XXXX. 

I believe that if no body acts of this case, XXXX is becoming a legal tool to commit a fraud using legal institutions of the United State of America.

I appreciate all the assistance you may provide for this case. 

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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XX/XX/2020 XXXX XX/XX/2020
Product: Debt collection

This company keeps appearing on my credit report and they have NOT approach me directly in any way. Every time I dispute this and ask for original terms of agreement for this debt they remove the collection, wait a couple of month and go back on my credit. I keep asking for supporting documents and NOTHING is provided. This is a predatory behavior that needs to stop. I have filed several complaints ; but nothing is provided to me. 

SEQUIUM ASSET SOLUTION Account number XXXX Collection opened XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/ I identified a discrepancy with an account listed as XXXX XXXX and validation was requested in the form of an dispute on XX/XX/ as this was an account that I did not recognize. I received a dispute result from XXXX today, ( XXXX  ) saying the account was verified, I have not received any correspondence from the creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect the account being disputed. I sent a second validation letter out today ( XXXX ) requesting validation of this debt because it does not belong to me. Please remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit card

On approximately XXXX XXXX, 2015 I purchased a computer from Best Buy for {$1000.00} and opened a best buy credit card at the same time. They told me that there would be NO interest for 12 months so I thought this was a good idea. I set up automatic withdrawals from my bank account. I have not checked my statements or anything until today when I see that my balance is ABOVE {$1000.00} more than a year later! After doing a bit of digging, I found out that they deferred my interest for the course of the year. So it accrued to be a lump sum of over {$300.00} which was then charged to my account! This is outrageous! Maybe there was fine print that I completely missed, but that 's not how this was pitched to me when I was sold on the credit card. Their fraudlent misrepresentations during the sales process have now caused this situation to manifest itself and I need to find a remedy.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I reported to Experian that they were inaccurately reporting information regarding my XXXX XXXX credit card, which caused my FICO score to drop. I provided them with a statement on XX/XX/XXXX, and they responded that they were still working on my dispute. By XX/XX/year>, they completed the dispute ; however, the information still needed to be completed. Although my score increased, it didn't reach the correct amount. Recently, I found out they reported using 60 % on my credit card, which resulted in another XXXX drop in my score. My balance is {$270.00}, with a credit limit of {$300.00}.
Product: Debt collection

United Auto Credit ( XXXX ) contacted my cell phone ( XXXX ) 14 times between XX/XX/XXXX and XX/XX/XXXX with a total of 14 calls. I have never done business with U.A.C. nor do I owe ANYONE money and have no idea why they were harassing me. 
I contacted them on their " contact page '' and also had an attorney contact them and received no response. 
This is there Nevada license info if you find it helpful. 
XXXX The calls are always a recording that only states a " business matter for XXXX XXXX '' but not who they are and no way to opt out. I have no idea who XXXX XXXX is. 
I have a photo album of all calls and some notes if that would be helpful. 

Thanks,
Product: Credit reporting or other personal consumer reports

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address XXXX XXXX XXXX XXXX, MI XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 

My date of birth is XX/XX/year>. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

Thank you, in advance, for honoring my requests. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit report showing these changes mailed to XXXX XXXX XXXX XXXX, MI XXXX. Thank you. 

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

This is my 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block these inquiries which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

PayPal closed my 3 years old account mistakenly and will not help me with getting it back. I've been doing business with PayPal for more than 3 years, My current monthly turnover is over $ XXXX, Everything was fine till yesterday. Since I got a message from PayPal that My account has been limited permanently from for violating the Acceptable Use Policy. I don't know why they did it because 1 years back, They limited my account, asked for more information and Verified our business, Nothing changed, We're still providing the same service. Even though My competitors are still using PayPal on their site. Reputation of my account is above average, We always make sure that our customers are happy! My account Had more than above {$6000.00} in my PayPal wallet, Which is also on hold for 180 days. 

I am not sure if this is some mistake as I assume it has to be. I can strongly say that I'm not breaching any guidelines. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently in my business a currently my business is stuck. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly update or delete the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX