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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the negative items on my credit report from the following creditors : XXXX  XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX , XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXXXXXX , XXXX XXXX , XXXX XXXX XXXX , and XXXX XXXX . 

I believe that some of the information reported by these creditors is incorrect and does not accurately reflect my creditworthiness. Specifically, I dispute the following accounts : XXXX  XXXX XXXX : This account shows a late payment, but I have always made timely payments. 
XXXX XXXX XXXX XXXX XXXX : This account also shows a late payment, but I have never been late on any payments with this creditor. 
XXXX XXXX  XXXX XXXX : This account shows a late payment, but I have always made timely payments. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : I dispute the collection account, as I have never received any notices or communications regarding this debt. 
XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX  XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX  XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX  XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 

I request that you investigate these items and remove any inaccurate or unverified information from my credit report. Please provide me with written confirmation of the actions taken on my behalf. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

We ( XXXX & XXXX XXXX ) have had service from XXXX for over six years. In XXXX, XXXX XXXX XXXX bought out XXXX, and we continued service with them. In XXXX, we decided to change service to XXXX, notifying XXXX XXXX XXXX  that we were doing so.The contract states that a termination fee is assessed if service is discontinued in less than one year. XXXX XXXX XXXX sent us a bill for XXXX noting termination fee. We responded with a note indicating this was not a valid invoice, because we had their service for more than six years, and it did not apply. XXXX XXXX  XXXX responded by turning the bill over to a collection agency, Credence Resource Management. To avoid any further harrassment or possible intimidation, we relented and paid the XXXX, and wanted to forget the whole thing. Credence responded to this by sending another bill for XXXX and an additional bill for XXXX, with no explanation. Since then we noted that the original check to XXXX has been processed by our bank, but we beleive that XXXX XXXX XXXX is fraudulently engaging in this similar activity with any of their customers who decide to discontinue service.We are also notifying our OHIO attorney general of this activity, and we are going to pay the additional XXXX to avoid any further harrassment.i
Product: Credit reporting, credit repair services, or other personal consumer reports

For over 3 months NCA has been falsely reporting a account that doesnt belong to me on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed my account by paying it off in its entirety with XXXX XXXX on XX/XX/2019. Unknown to me they charged my account ONE days interest for XX/XX/XXXX and billed me after my account closed. I then received a collections letter for a late payment - that I never knew existed, and never received a standard bill for. I called XXXX XXXX to dispute the retroactive billing, the lack of transparent charges, and there handling of it. They investigated my complaint and withdraw the {$13.00} charge for one day interest but still reported it as late to the credit bureau. I went to go refinance and low and behold my credit score has dropped because this interest that should not have been charged but if it was should have been billed properly and was being investigated and then retracted has now dropped my score 40 points and messed up my perfect credit. I contact XXXX and provided them the letter showing them the investigation, dispute with XXXX XXXX, and the results of the retraction, yet XXXX  will not remove it. 
It has cost me financially with my credit score, made it impossible to refinance at a good rate, and my next step is to contact the AG of Mass if this cant be resolved, as well as the press. XXXX XXXX is criminal enterprise and should not be reporting on anyone 's credit!
Product: Debt collection

I am writing in regards to fraudulent activity reporting on my credit report. This debt is not mines and it is stopping me from being able to provide for my family. I pursuant to FCRA15 U.S. Code 1681c2 that XXXX XXXX all of the accounts, collections, and hard inquires identified in this CFPB complaint from my consumer credit profile within 4 business days of receiving this complaint. This debt was a result of identity theft. I have enclosed a copy of my FTC Identity theft report ( FTC REPORT XXXX ) to support my claim. As required by FCRA15 U.S. Code 1681c2 block this fraudulent information from my credit report immediately. I have been disputing these items for months and XXXX does not want to give me a solution. 

******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS
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 Number : XXXX XXXX Account Name : 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: Prepaid card

This complaint is not a duplicate. This is a new complaint based on continued issues with newly purchased card. Gift card was purchased on XX/XX/year> and attempts to make purchases were made on XX/XX/year>. Upon use of the card ending in XXXX, transactions were blocked at the merchant and subsequent merchants. It has been determined that there is a systematic scheme in place to purposefully deny use of the cards. I have attempted numerous times to use the card and resolve its issues with Incomm but to no avail. Incomm tells me to use the card at another merchant despite my attempts at different merchants. If a purchase attempt was at a specific merchant, why would one try to use it at another merchant? For example, if I was looking to pay my electric bill with the gift card, why would the solution be to NOT pay the electric bill and pay different merchant? Why am I not allowed to pay my electric company? This same issue is present with previous cards purchased. So instead of more replacement cards, I am respectfully requesting that a check with the purchase fee be sent to my address. Attached is copy of the receipt of the gift card purchase and the gift card itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft, I have submitted a dispute to block the fraudulent accounts and inquiries, yet despite sending my supporting information according to FCRA 605b I have not been able to resolve the issue of reported items that are fraudulent. I would like an immediate block on all specified items according to the aforementioned congressional act.
Product: Credit card or prepaid card

Citibank is misapplying my payments to lower interest rate balances in violation of their terms. I called Citibank on XX/XX/23 to get a better understanding of why my payments were being applied to the lower interest rate balance instead of the higher interest rate balance. After spending 2 hours on the phone with a CSR and then a manager, I was told that I could not get a detailed explanation of where my payments were applied because the system was unable to look at that data from prior statements. I was literally told to make payments in the future and they could tell me which balance they were applied to, but they could not tell me regarding past payments. My spending and payment amounts are nearly the same each month but still my lower interest balance drops by thousands each month while my higher interest rate balance increases by thousands each month. It seems unacceptable to me that they can not explain why.
Product: Credit reporting or other personal consumer reports

I disputed XXXX XXXX  XXXX which is on my reports. They responded that they could not find an account in my name. They are all still reporting it even after this creditor could not find my name in their account. The complaint number is XXXX on your site. I want the inaccurate account removed from my consumer reports.
Product: Credit reporting

Equifax is not updating my report accurately, they report account status as 31-60 past due for account # XXXX for creditor New York and company, which is NOT accurate. I called creditor to dispute information and XXXX from New York and company credit made me aware that information was already updated to show PAYS agrees on XX/XX/2015. I pulled my report on XX/XX/2015 and it indeed showed Pays agrees on XX/XX/2015, confirmation number for that report is ; XXXX. I checked my credit report again on XX/XX/2015 and it was reinserted to show 31-60 past due which is NOT correct credit reporting. I spoke to a XXXX which is a supervisor at Equifax and I made her aware that I have a confirmation to show that on XX/XX/2015 creditor updated to show Pays agree and that this information needed to be corrected. I was then asked to repeat the same dispute again for the second time. I pay my bills and I am a hard working person I want to have a better life for my family and would appreciate some help. Thanks
Product: Debt collection

Account date open : XXXX Account name AWA COLLECTIONS Account number XXXX Balance : {$5.00}, XXXX Original balance : {$4300.00} No knowledge of this debt, no valid contracts with lender, has impacted my credit negatively thisnwas also during then time I had fraud alerts due to idenitty theft so account should have no been opone with out credit application being verify with proper identity theft alerts process.
Product: Payday loan, title loan, or personal loan

I was sent an offer for personal loan from NetCredit. The email stated " check your eligibility '' " This won't affect your credit score. '' So I entered my information just to see the offer. I then received the notification " Congratulations You're eligible review and compare offers below '' I reveiwed the offers but did not go any further than that. I did not choose an option because at that point I was just seeing what type of loans they had. Next thing I know I get a letter by email from a company called XXXX  saying i've been denied and I checked my credit score and credit score dropped by XXXX  points to unfavorable when it was good earlier this morning. This is highly deceptive and fraudulent.

I have the screenshots of the company telling me I am eligible and then telling me congratulations.

I want to file a formal complaint and find out what I can do to retain my former credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the disputed accounts from my Credit Report. The Credit Reporting Agencies continued to report these accounts as late and claimed that the accounts are verified but I did not receive any proof of verification or any document for them to claim that the accounts are investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THESE ACCOUNTS! I do not believe I am late on the dates these accounts report. Also, I have been keeping my own record of payment and the data these accounts reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THESE ACCOUNTS : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$15.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at Vance and Huffman representing XXXX XXXX XXXX. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.. Also VANCE AND HUFFMAN never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified VANCE AND HUFFMAN that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.
Product: Money transfer, virtual currency, or money service

I got XXXXXXXX XXXX  to take a loan and contact the advertiser about the loan. A person by name XXXX XXXX replied on XXXX XXXX. His XXXX profile stated that he lives in XXXX, Indiana ( XXXX XXXX XXXXXXXXXXXX 
XXXX ). After we chat on XXXXXXXX XXXX XXXX, he asked me my email address to send me an application. After I got an email application form, I filled, signed and replied the application to XXXX XXXX XXXX. Next day I got a call from XXXX XXXX with caller XXXX XXXXXXXX. XXXX stated that my application approved and need to wire transfer {$14000.00} origination fee. I told him that I have to wire the money using third part escrow service. He stated that escrow company called XXXX XXXX XXXX will invite me to create online profile and use there escrow services. I got email from XXXX XXXX XXXX XXXX asking me to create online portal account. After I created online portal account, I got another email from XXXX XXXX XXXX XXXX asking me to wire transfer the money to Bank Name : Citibank Account Name : XXXX XXXX Routing XXXX Account Number : XXXX Account type : XXXX XXXX Address : XXXX Citi XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Recipient XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX I wired transfer the money on XXXX but XXXX told me on XXXX that the escrow company didn't receive the money. I believe I frauded. 

I take below steps to recover my money. 
XXXX : Contacted Citibank, XXXX : Attempted to report fraud activity to Citibank and also requested wire transfer cancellation or refund. The bank rep advised me to contact my bank instead and report the fraud to my bank. I reported to XXXX XXXXXXXX as soon as I hung up. 

Since I didn't receive no refund yet, I called XXXX XXXX XXXX department for refund status on XXXX : XXXX XXXX XXXX department rep stated that the bank requested take back but didn't receive the money yet. I also attempted to report fraud activity to Citibank second time. However the Citibank rep not even willing to file fraud claim.
Product: Credit reporting or other personal consumer reports

I have a credit card with First premier bank, I haven't used this card in over 3 months and i don't carry any balances on this card. I just recently lost my XXXX and XXXX, the card company is charging me a fee every month to have a card with them. In error i forgot to pay the {$10.00} fee, I wasn't notified about the late fee until it had climbed to {$57.00} dollars. I always put all my cards on auto payment as i have exceptional credit, this company doesn't have a auto payment feature in their system as they told me they stopped having it during covid and never put the feature back in the system. 
This is very stressful as i'm currently in the process of purchasing a home for me and my family, I just recently looked at my credit score and because of this {$10.00} 30 day late on my credit my score has dropped XXXX points from this issue. This will destroy my credit worthiness and history, Only because i wasn't able to put this card fee on auto payment. 
I have to manually pay {$10.00} every month. Im asking you to contact this company that hasn't been helpful at all. The company should at least have a option for auto payment, so if a customer has to pay this fee every month, he or she doesnt have to manually put a payment in for the fee of {$10.00}. I believe this is done purposely so most people will forget about the fee and be charged a late fee and late payment on their credit report.
Product: Mortgage

I am asking the CFPB for help for which purpose it was created by XXXX to protect us from " Debt Collectors and THEIR ATTORNEYS '' ( Nationstart Mortgage LLC and " XXXX XXXX XXXX '', XXXX XXXX XXXX ), who have submitted fraudulent paperwork stating that these submitted papers are the factual basis by which they have STANDING and the right to collect. 
We are exercising our right in the DOT under the Borrower 's Covenant where it is stated. BORROWER WARRANTS AND WILL DEFEND GENERALLY TITLE TO THE PROPERTY AGAINST ALL CLAIMS AND DEMANDS, SUBJECT TO ANY ENCUMBRANCES OF RECORD. 
# 1 The Corporate Assignment BY MERS OF THE DOT dated XXXX XXXX, XXXX is a " COPY '' NOT RECORDED IN THE XXXX XXXX RECORDERS OFFICE # 2 The recording was requested by XXXX XXXX XXXX, a fabricator of fraudulent documents # XXXX The recording is to be mailed to Nationstar Mortgage LLC A-The fraudulent submission of this Corporate Assignment of the DOT dated XXXX XXXX by Nationstar Mortgage LLC and XXXX XXXX XXXX, XXXX XXXX, indicate that the parties have submitted evidence indicating that for Good and Valuable Consideration (??? ) that they are now the owner. Nationstar Mortgage LLC XXXXNationstar Mortgage LLC and XXXX XXXX XXXX, XXXX XXXX, with the submission of this evidence indicate that they are the owner of the DOT XXXX However, a subsequent official recording in the rightful XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, seems to indicate another Corporate Assignment by MERS this time to XXXX Bank XXXX This is over 8 years after the fact. 
Question ... ... .How many more Corporate Assignments can take place? 
If Nationstar Mortgage LLC, attorney XXXX XXXX, do state that this is the prove of their legal beneficial interest in this DOT and STANDING, they should not hesitate but sign an affidavit according to these facts. 
Are they the Holder in DUE COURSE, not just the Holder? 
Are they representing the Lender? 
Who is the Lender? 
Or are they representing the the beneficial party in interest? 
The reason the CFPB was created is to stop excessive abuse by debt collectors. 
Nothing will do until they will sign affidavits according to their rightful Standing or stop presenting fraudulent papers and commit fraud on the court.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency it remains unsolved.
Product: Debt collection

XXXX   XXXX   XXXX  filed a civil suit against me to collect a medical debt for  XXXX  with 6 % interest from  XXXX / XXXX /  XXXX  . And the courts made a default judgment and put a warrant out. i was never contacted and made aware of this case. My rights to be made aware of judgments against me and to defend myself was viloated not to mention the emberassment that resulted from this. My right as a consumer were completely violated by this company and their lawyers  XXXX  and  XXXX .
Product: Credit card or prepaid card

I disputed a credit card transaction after numerous unsuccessful attempts to resolve the issue with the merchant ( XXXX XXXX ). They simply did not respond to any of my complaints. The company acted in a fraudulent manner and gave me false and misleading information to obtain the sell. I did not receive the correct tires or installation services I paid for. The card issuer Citi Cards failed to dispute my claim properly. They failed to contact the merchant for a response to my dispute. I provided ample and detailed information and multiple documents in regards to my tangible and non-tangible purchases. Citibank determined the outcome in favor of the merchant without considering all the evidence I provided to them. Citi Cards did not mandate the merchant to issue a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account name : XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

There were accounts that was showing us closed. That means they have written off the debt but yet they still have it on my report and did not remove it and I requested tax form and they did not send me what I requested as a write off