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

On XX/XX/XXXX, I submitted a check to XXXX XXXX XXXX for the purchase of Week groceries, my check was declined on the information provided by Certegy Payment Solutions , LLC, of XXXX, FL. They have a contract with Kroger to check the credit history of the customer providing payment with checks. My credit score is 800+ and I have excellent credit.

I contacted Certegy and requested my consumer file disclosure report which they sent to me. the control number is XXXX  and the tracking number is XXXX. What they sent me was a record of three transactions : one from XXXX XXXX XXXX, dated XX/XX/XXXX, one from XXXX XXXX  dated XX/XX/XXXX, and one from XXXX XXXX dated XX/XX/XXXX. All were approved. My concern is that because my bank, XXXX XXXX XXXX XXXX is not one of Certegy 's signed clients, they are using the fact that XXXX is not a client against customers that try to submit a check from this institution to their clients.

According to XXXX at Certegy, they have no record of an inquiry from XXXX, and prior to this, XXXX XXXX in XXXX XXXX VA. declined to accept a check from me, based on informatoin from Certegy. I don't know what should be done after these two instances, but I am not being protected false reports or Certegy is sending false credit decisions to get a banking entity to sign with them as a client. I value my credit standing with businesses and when there is a derogatory report or a turn down because of a false report from a credit reporting agency, it is a major concern to me.
Product: Credit reporting

Had car loan with XXXX XXXX XXXX, same was voluntarily surrendered in XX/XX/XXXX. Item was to have been removed from my credit file from XX/XX/XXXX, and now is XX/XX/XXXX and it is not removed.
Product: Student loan

At the beginning of XX/XX/2022, my student loan payment jumped from a consistent {$540.00} to {$840.00}. I called and asked why this happened and they said at first it was just the interest and that paying this much would benefit me. They had no programs that would offer holding this amount and no programs for me to refinance the montly payment loan. From there the increase went to {$870.00}, then {$890.00}, {$900.00}, {$940.00}, {$960.00}, and up every month and now my next monthly bill is at {$1000.00}. I have called to ask and plead multiply times why this loan continues to increase and Im always told because of the variable interest rate. Ive asked what my options are because that is almoat my full check and they said, You can make late payments anytime. Ive called and offered {$6500.00} up front to pay off my smallest loan ( the money I saved to purchase an apartment ) as a desperate attempt to decrease my monthly payment and I was denied due to the fact that it needed to be the exact {$7200.00}. Not anything less. The woman said sorry, youll have to make the payments. Ive called multiple times for assistance and each time Im given a number to call. Ive waited on the phone for hours ( one call I was on hold for 53 minutes ) to be told there are no programs to help me that are available and nothing can be done for me. I have paid thousands of dollars to Sallie Mae and i can not get any type of assistance even when offering up front thousands of dollars.
Product: Credit card or prepaid card

I'm very surprised to see a late payment reporting on my credit report.to my knowledge I have always made my payments on time. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Debt collection

Company refused to send me a settlement offer letter prior to making payment - asked multiple times and they kept hanging up on me after trying to transfer me to a manager. 

I asked for this to be removed from my credit report if paid in full due to the fact it is considered a utility bill and they refused and said that is not possible. 

As an American male of the age of XXXX I am aware of my rights and they refused to comply by them. 

After days of arguing with them I decided to pay the settlement in full - they barely verified any of my personal information which made me a little nervous about giving them my payment.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). The account details are as follows : Account Name : XXXX XXXX XXXX Account XXXX Balance Owed : {$1200.00}
Product: Debt collection

I am writing to file a complaint against Patenaude and Felix, A.P.C. ( debt collector ) and XXXX XXXX XXXX XXXX XXXX XXXX ( debt collectors client ) for violations of state and federal consumer financial laws. 

Patenaude and Felix, A.P.C. and XXXX XXXX XXXX XXXX XXXX XXXX have acted deceptively, unfairly, abusively, and in bad faith by opportunistically exploiting the pandemic to breach debt settlement agreements and file fraudulent judgments in an attempt to alter settlement terms for financial gain. 

The details are as follows : - On XX/XX/XXXX, a debt settlement agreement was executed between myself and XXXX XXXX XXXX XXXX XXXX XXXX, represented by Patenaude and Felix, A.P.C. ( hereinafter " Patenaude '' ). 
- In accordance with Patenaude 's instructions, an automated payment method was established, providing the necessary account information for monthly payments. 
- Patenaude confirmed receipt of the account information and approved the automated payment method. 
- Payments were consistently made on time per the settlement agreement until the onset of the pandemic. 
- During the pandemic, Patenaude ceased processing payments, attributing their failure to do so to pandemic-related issues ( admitted by Patenaude in writing, available upon request ). 
- Despite my multiple attempts to reestablish payments, Patenaude has repeatedly refused to accept payments per the terms of the settlement agreement, explicitly stating that they and XXXX XXXX XXXX XXXX XXXX XXXX were unwilling to abide by the agreement ( written documentation available ). 
- Instead, Patenaude and XXXX XXXX XXXX XXXX XXXX XXXX is seeking to change the settlement terms to secure an exorbitantly higher settlement amount ( documented in writing ). 
- On XX/XX/XXXX, Patenaude fraudulently filed a judgment against me, alleging a breach of the settlement agreement. 
- The current amount proposed by Patenaude is double the amount that was agreed to in the original settlement agreement. 

I respectfully request an investigation into these matters and appropriate action be taken. I am willing to provide any necessary documentation to support this complaint. Please do not hesitate to reach out.
Product: Debt collection

A third party debt collector placed a debt unto my infant trust name claiming that i owe them money for a debt owed to a different company i have disputed before. I have asked them to provide a copy of the original agreement and contract or the debt itself rather they have produced only a series of made up bills. The bills do not look like something I've been involved in. According to the FDCPA and UCC law as well Cal Civ Code 1401 states that in similarity that there must be evidence of the alleged debt and it appears that they only have my mailing address and nothing has been provided by this company whom I've made attempted to call and speak with them on two occasions and nothing comes from it. 
Ive been told by an employee that the person i was to speak with wasn't in their office and I've called back and I've gotten the same response. This company does not have my proper mailing address and they've presented only bills. I have not had a XXXX  account in over a year now and nothing is making sense about this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car on XX/XX/XXXX for {$20000.00} and financed through Bank of America. 

Less than one month later I paid off the full balance of the loan on XX/XX/XXXX as shown in the attached document. Ending principal balance is {$0.00} and includes the {$20000.00} principal payment and a {$76.00} finance charge for a total payment of {$20000.00}. The Bank of America website showed the account with a {$0.00} balance and no indication that any further payment was due. 

I began to get emails from Bank of America requesting another {$76.00} finance charge while the website said {$0.00} was due. I did not pay this amount. I called the bank asking where this charge was coming from and could not get an answer. 

Bank of America admitted on the phone that it was an improper double charge and told me they would waive the charge. This was unsatisfactory as I wanted the error corrected, so I filed a CFPB complaint on XX/XX/XXXX, ID XXXX. I did not make a payment on this date. 

In XX/XX/XXXX I received information that my credit score declined 100 points. On investigation Bank of America is reporting the account as more than 30 days past due. 

In addition, the credit report shows a {$76.00} payment on XX/XX/XXXX. I did not make this payment and assume that Bank of America made this payment instead of waiving the erroneous charge. 

I filed a dispute with XXXX and have tried to contact Bank of America to resolve this. Both without success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received paper to go to court on this matter XX/XX/2019 at XXXX XXXX  in XXXX, Co No one from the Credit Services ever showed up and I was there till XXXX XXXX. 
Then in XXXX I got some papers ordering a judgement from Credit Services. I called them and Credit Services and I made arrangements to pay the Credit Service. We settled on {$2200.00} I told them I wanted a copy of the payment and everything that got paid. I never received anything from them. On XX/XX/XXXX Credit Services took money out of my account and my XXXX XXXX XXXX account. {$390.00}, without me knowing anything. Credit Services keeps calling me and saying I still owe them money. They never sent anything to the Crdit Reporting agency to up my Credit Score, I keep telling the to Send my copy 's of my account and they never have. I am a XXXX  mother of a XXXX XXXX XXXX and I was trying to work with the Credit Services to pay the XXXX bills and it seams like they just keep wanting more money. I have had to take time off work for court hearing and always worrying if the Credit Service is going to take more money out of my account. I closed my XXXX  account because of all this mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/1989 Dear Sir/Madam, I am writing in regards to the accounts listed on my credit report. Upon reviewing the report, I have found several errors and inaccuracies that require immediate attention. 



Firstly, I would like to dispute the late payment account listed under my name with XXXXXXXX XXXX XXXX ( Account Number : XXXX ). I have not made any late payments on this account and request that this be rectified in your records. 



Secondly, the charge off accounts with Portfolio ( Account Number : XXXX ), XXXX XXXX  XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX  XXXX XXXX  ( Account Number : XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ), XXXX XXXX  ( Account Number XXXX XXXX ), XXXX  XXXX ( Account Number : XXXX ), XXXX  ( Account Number : XXXX ), and XXXXXXXX XXXX XXXX ( Account Number : XXXX ) are inaccurate and need to be removed from my credit report as soon as possible. 



Furthermore, the collection accounts with XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ), and XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) are also incorrect and require immediate action. 



Moreover, I would like to bring to your attention that I have filed for bankruptcy ( case number : XXXX ) and would request that you update my records accordingly. The bankruptcy case number is XXXX and XXXX. 



Finally, I have noticed inquiries on my report from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which were not authorized by me. I request that these inquiries be removed from my credit report immediately. 



I believe that the above-mentioned errors on my credit report have caused considerable damage to my credit score, and I am requesting that they be corrected as soon as possible in accordance with the Fair Credit Reporting Act. Please confirm receipt of this letter and let me know when I can expect a response from you. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX
Product: Mortgage

I have been with Bank of America since 1983. I have my HELOC with them. They recently ( Couple of months ago ) had a change of Account numbers. My account still is not updated. They show a balance owing to them and they have put chunk of payment {$19000.00} in Suspension? I talked to four reps at different time in the last month alone after holding at least for an hour. Also I sent them several E-mails via my account. Couple of times I was disconnected by reps after 60 minutes of holding. Still my account is messed up. 
Bank of America is holding my payment of {$19.00} k in suspense for last 2 months. When I talked to their rep about a month ago, she told me that if I were to close my credit line, I have a balance of {$28.00} owing to me. But I continued in the hope that subordination pending since last month will be approved. Since that talk, I have not made any transactions from this account. I just received my HELOC statement. They are asking me to make a payment of {$72.00}, whereas I have a balance of {$28.00} owing to me. 
What a sad state of affairs. You can't reach any executives. I would like the regulating body to look in to the practices followed by this bank. It is a mental torture for me. I spend sleepless nights on hard earned XXXX payments not accounted by Bank. I have spent almost 20 hours on clearing but have run post to pillar with no headway. I am enclosing statements from Bank of America for 3 months for your analysis. Thanks for the help
Product: Checking or savings account

On Saturday XX/XX/year>, my Albert account was suspended without warning due to " unusual activity. '' I was advised to transfer my funds to an external account within XXXX XXXX. However, by XXXX XX/XX/XXXX XXXXonly XXXX XXXX into the XXXX periodI was locked out of my account entirely, leaving me unable to access or transfer my remaining funds. 

I attempted to move the money to my XXXX XXXX account but encountered a transfer limit of {$25000.00} within a XXXX period, leaving a significant amount of money still in my Albert account . 

When I contacted Alberts customer support via text, they refused to provide a clear explanation for the suspension, stating only that " no additional information '' could be shared. They suggested I work with my bank to reverse deposits made into my Albert account, which is not possible since these funds were direct deposits from my employer. 

I asked for a detailed explanation and a clear process for withdrawing my remaining funds but received no helpful information. I am still unable to access my money and have not been provided a timeline for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

As for credit reporting, apparently only XXXX has reported XXXX debts : XXXX XXXX  XXXX which is the original creditor in the amount of {$1300.00} and XXXX XXXX XXXX  XXXX A which is the original creditor for the amount {$1200.00}. However, XXXX XXXX XXXX have established that they now have authorized, active collection authority for XXXX. 
Under CRA guidelines, XXXX should delete their reporting, even though they now own the debt, as they are no longer the active debt collector. XXXX XXXX XXXX is has settled with XXXX XXXX XXXX for these two accounts and being paid every month until paid in full. 

I have on numerous occasions disputed this and nothing has been done. I also have a collection that has been paid off and still showing on the credit report as high impact. Please delete this account. It has been satisfied. 

At this time whatever credit that I had is currently under the auspices of XXXX XXXX XXXX XXXX which is a debt collection company, that settles your outstanding debt and is being paid monthly. Thank you/
Product: Checking or savings account

I mailed my personal check # XXXX to pay my charge card balance for approximately {$170.00}. The 'pay to the order of ' and 'amount ' was fraudulently altered and cashed by XXXX XXXX XXXX for {$9600.00}. When I was verifying my balance via the PNC Bank automated telephone system, I immediately went to the PNC Bank XXXX XXXX to report the money was missing or stolen funds from my checking account. I also filed a police report with XXXX XXXX Police department on XX/XX/XXXX. I have made numerous calls to PNC Bank and as of today ( XX/XX/XXXX ) they have not reimbursed my account. PNC has not provided any details of how this egregiously altered check which someone use white out to alter was cashed. I personally placed the check in the mail at the XXXX XXXX XXXX so am not sure how the check was stolen. I have had conversations with PNC Bank Fraud investigators who indicated it would take 120 days for them to complete their investigation. On XX/XX/XXXX my conversation with them ( XXXX in the Fraud unit ) indicated that another bank would have to investigate in order for my money to be reimbursed. I think this is ridiculous since this is now almost 6 months that my money was fraudulently removed from my personal checking account.
Product: Checking or savings account

There was an unauthorized transaction on my account and I try to fix it by disputing it with my bank, my bank and I say disabuse so I will contact you guys.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding the fraudulent items present on my credit file. Despite previous attempts to address this issue, the fraudulent items have not yet been removed from my credit report. This situation is deeply concerning as it negatively impacts my creditworthiness and financial standing. 

I urge you to take immediate action to rectify this matter by removing the fraudulent items from my credit file. These inaccuracies pose a significant risk to my financial well-being and must be addressed urgently. 

Furthermore, I kindly request regular updates on the progress of your investigation into these fraudulent entries and the steps being taken to prevent similar incidents in the future. With this, I am asking for your assistance to remove fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate dates of payments made there claiming I havent made no payments in the pass 8 months and I have Receipts showing where I was making payments XXXX XXXX was made XXXX XXXX was made and XXXX was paid on XXXX and those moths they claim no payments was made
Product: Credit reporting, credit repair services, or other personal consumer reports

See letters sent, personal info needs to be updated, violations on the accounts listed need to be deleted
Product: Debt collection

This company opened an account using my personal information with no authorization from me. Medical Data Systems has reported to The Bureau that the accounts of the alleged debt are open and active but listed under derogatory marks. How can an account show open under a collection status? I requested from all three bureaus ( XXXX, XXXX, and XXXX ) an investigation for this company, and the process has not started. Medical Data Systems has reported an incorrect illegal account to The Credit Bureau without consent from me. The Bureau reported that the account was valid. I am a consumer which makes me the Original Creditor. I also explained that the final bill was paid, and the account was closed. I requested that Medical Data Systems provide me with a contractual agreement between them and I containing my signature. The document requested should show that I agreed to open an account using my name, address, phone number, social security number, etc within their establishment. I do not owe this company and the alleged debt has already been paid. This tactic is listed in the U.S. and North Carolina State law as identity theft and has been violated. They assigned a company identifier number with my personal information attached for an alleged debt that I do not owe. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies due to this oppression.
Product: Money transfer, virtual currency, or money service

Between XX/XX/2020 and XX/XX/2020 a series of unauthorized transactions were made from my cashapp account. The transactions were six P2P transaction for {$160.00} each and 5 transactions using a card and pin for {$5.00}, {$6.00}, {$13.00}, {$11.00} and for {$41.00} respectively. I've contacted Cashapp several time and explained I did not make these transactions, I did not authorize them and my physical cashapp card was never out of my possession in New Jersey. So it would be impossible for it to have been used in XXXX Florida. 

Cash App Support responded that since the transaction in question was from a known device and this device had accessed my cash app account prior to this event. They do not have enough evidence to determine the activity was unauthorized and denied my claim. 

Cash app terms of service ( 4. Your liability for Unauthorized Transactions ) says " We will protect you from Unauthorized Transactions in you Account. '' these are clearly unauthorized transactions as defined by the cash app terms of service " An " Unauthorized Transaction '' occurs when money is sent from your Account that you did not authorize and that did not benefit you. '' and cash app is refusing the protect me.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom it may concern, I am writing to delete the following information off my file. The items I need deleted are listed in this report. 
I am a victim of identity theft and did not make/authorize any of the following charges. I ask that these items be deleted to correct my credit report I reported the theft of my identity to the federal commission trade, and I also have enclosed copies of the federal trade commissions identity theft Affidavit. Please delete the following items as soon as possible. Thank you in advance. 

Collections : Name : XXXXXXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX. 
Amount : {$540.00} Fraudulent Accounts : Account Name : XXXX XXXXXXXX XXXX Account date : XX/XX/XXXX Amount : {$540.00} Fraudulent Inquiries : Inquiry Name : XXXX XXXXnquiry Date : XX/XX/XXXX Inquiry Name : XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Personal Loans : Account Name : XXXX XXXX XXXXXXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX