23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid off a credit card debt with a debt collector called XXXX XXXX XXXX ( XXXX XXXX XXXX  ) but I got 2 extra charges and the emails they provide on the website do not work. I have no way of getting a hold of them regarding this matter. Their LiveChat do not work and the 3 emails provided on the website sent me an error message. There was only supposed to be a 1 time charge for {$290.00} on XX/XX/20 but I got 2 more on XX/XX/20 for {$22.00} and XX/XX/20 for {$11.00}.
Product: Debt collection

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Vehicle loan or lease

I sent a check to Audi Financial Services to payoff a lease. They received the check on XX/XX/2021 and have not processed the payoff as of XX/XX/2021 and are requiring me to continue to make payments or they will report the account past due on my credit report. I have called 3 times and get the same response, yes, we received your payoff but the payment hasnt been processed so you have to continue to make the lease payments until the payoff is processed. Once the payoff is processed we will send your over payments back to you. I paid off the lease early so I didnt have to make the payments monthy. Now I am out the payoff amount and still making payments for an account I paid off!
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Select Portfolio Servicing, a mortgage servicing company, offered to put me on an unemployment plan required for a loan modification of which they offered to me to fix the rate and extend the terms. The told me as long a I paid the unemployment plan on-time the loan would be reported as on-time and paid as agreed. I accepted the offer and paid the lower monthly payments. However, I have found out that Select Portfolio Servicing is not authorized to lower my monthly mortgage payment or do a loan modifications. After the unemployment plan was up a loan modification was all of a sudden not available for the loan. A tactic used to try and force a homeowner into foreclosure. They did not do what they said and was offered in error. In addition to this, the communication they sent me verifying the payment offer and agreement was misleading and not straight forward about this when they were not permitted to offer me reduced payments on the original mortgage loan in the first place. Although I paid this offer/ agreement on-time and in good faith thinking this was actually allowed, they reported the payments late instead of one-time and paid as agreed. I demand the company, who I understand has thousands of reports against them a a federal class action lawsuit to immediately correct my credit report to reflect on-tim and paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from XXXX, XXXX, TRANSUNION. 

They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate XXXX  Accounts # - XXXX XXXX XXXX XXXX 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

Amount is {$350.00} On XX/XX/2022 XXXX contacted my son from XXXX and left a voice mail on his phone. It stated " This is XXXX XXXX contacting you once again in regards to a claim that is being refiled for ( my name ) to make you aware that once docket number VA XXXX is refiled it will become a matter of public record and there will be an order of location rescheduled. Now this claim is being refiled against ( my name ). We're reaching out to you as a point of contact because it is a matter of public record and your name is somehow affiliated with their claim. Now Miss ( my name ) does still have the legal right to contact the filing party. However once the claim is discharged in their office that will no longer be an option. If you happen to speak with ( my name ) it will be in her best interest to contact the office immediately before all legal rights are forfeited. Number for her to contact once again XXXX, referencing docket number VA XXXX. This is a legal notification by telephone and it will be redocumented on the claim, thank you. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a complaint with CFPB, however the issue was closed without reviewing the complaint. The company responded with an original contract which was 'not ' my complaint. The complaint is related to the debt being too old to be on my credit 'AND ' when I filed a dispute about it on XX/XX/XXXX, the company updated the record reducing the owing balance by {$1.00} to manipulate the system to cause my credit to drop over 45 points. 

Complaint # XXXX : On XX/XX/XXXX, I submitted a dispute through XXXX XXXX and XXXX for an  Ally Financial account on my account that is too old to be on my report. On XX/XX/XXXX, when the investigation was concluded Ally Financial updated my credit file as if a payment was recently made for {$1.00} to manipulate the system in negatively impacting my credit. This caused my credit rate to decline by 45 points. This is an unfair and inaccurate way the creditor is attempting to burden my credit report unscrupulously and violates my rights under the FCRA. I am requesting this account be removed in totality please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulently applied for credit using my information. This is reflecting as a hard inquiry on my credit report and effecting negatively on my credit report. Ive called the company multiple times and they have not resolved or returned any of my calls.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX had a massive data breech, and they sent me a letter saying that my information was compromised. Also, my credit monitoring service reported that my information was leaked on XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, and XXXXXXXX XXXX XXXX These are all large, recognized organization, which these data breech have widely been reported. After the XXXX XXXX XXXX breech I noticed unusual reports on my credit, and I have started to take action on this identity theft issue on my credit profile. 

Identity theft credit accounts XXXX XXXX XXXX XXXX Opened date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Opened date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX  Date opened : XX/XX/XXXX XXXX XXXX XXXX Inquires XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX Balance : {$690.00} ; XXXX  XXXX Balance : {$8700.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting

there are derogatory accounts on my credit report that should have bebeen removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A 3RD PARTY OR AGENCY. I DO NOT RECOGNIZE THE FOLLOWING INQUIRIES ON MY CREDIT REPORT. THEY ARE UNAUTHORIZED INQUIRIES AND I DID NOT GIIVE PERMISSION TO ADD THESE TO MY FILE THAT IS A FCRA VIOLATION XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, I woke up to find a text message from Wells Fargo saying that my card had been declined because I had already exceeded the daily limit. I called Wells Fargo and got online simultaneously to find out that an ATM card that had been issued to me had been used in multiple transactions overnight between XXXX and XXXX am. I had been waiting for a replacement card to arrive in the mail. I NEVER RECEIVED THE CARD. I then find out that Wells Fargo had mailed the card out in XXXX envelope and in another, they mailed a PIN number. The mailboxes in my apartment complex were broken into and the theif sent a {$500.00} XXXX XXXX payment to a XXXX XXXX first. That transaction must have been processing still because it wasn't showing on my banning app. The bank CSR told me but would not give me her XXXX XXXX hash tag or any other info. Obviously she is involved. After that they went to a XXXX gas station named XXXX  and used the card at the gas pump. Then they went inside and used it again at the register. After that they went to the ATM inside the store and used it 5 times until they exceeded the daily {$1000.00} limit that you can withdraw from the ATM. There are cameras inside and outside the store. The ATM has XXXX. I went to the XXXX and they wouldn't let me see the security footage. It seems to me that between all the cameras and the information on the XXXX XXXX transaction, Wells Fargo should have been able to easily find the person who did this. Instead, my claim was closed. I was told that the person who did it had my PIN number so I must have been involved. There were other purchases made prior to all of this that I made using my digital wallet. Looking at the bank statements, you can't see which are from the virtual card and which are from the plastic so unless you actually investigate, you wouldn't know. I'm sure that XXXX is able to determine that I never had the card. I never gave anyone my PIN. My claim shouldn't have been denied. I did also report it to the XXXX mail fraud department. It's been 5 months and it's still an open investigation. Wells denied my claim. I called to have it escalated. They closed it again. I didn't even get a notice. When all this happened, I closed that account and opened a new one. Now I don't have any access to the information on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been on the Income Driven Repayment Plan for 3 consecutive years. I had re-submitted my annual documents in a timely manner for the Income Driven Repayment plan, so I can remain enrolled. However, XXXX XXXX XXXX DID NOT process my renewal properly, and as a result my credit score declined 100 plus points. I 've contacted XXXX XXXX XXXX about this issue. They have only assigned my Account as current, yet, they have not removed the PAST DUE dings on my credit. I now have 10 student loan accounts they have negative markings, resulting in a lower credit score. Please help me with this matter. Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment on my account because i attempted to pay it online repeatedly and they kept kicking me off the site because of technical issues. I attempted to make my payment by using my phone and a computer and it locked me out. I then tried calling but was on hold forever to the point that i think it was a false number. By the time i had time to make the payment the payment was late even though i emailed the company to please assist me.They also never called or sent me a bill in the mail so i had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its my only one with this account and it effecting my ability to get a good interest rate on a home. I have also contacted the credit bureas but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Product: Debt collection

I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in Henson v. Santander Consumer Financial USA, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the 6-year charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer of 20 % of basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.
Product: Credit reporting, credit repair services, or other personal consumer reports

AccordingtotheFairCreditReportingAct,Section609(a)(1)(A),youarerequiredbyfederallawtoverify-throughthephysicalverificationoftheoriginalsignedconsumercontract-anyandallaccountsyoupostonacreditreport.Otherwise,anyonepayingforyourreportingservicescouldfax,mailoremailinafraudulentaccount.IdemandtoseeVerifiableProof(anoriginalConsumerContractwithmySignatureonit)youhaveonfileoftheaccountslistedbelow.Yourfailuretopositivelyverifytheseaccountshashurtmyabilitytoobtaincredit.UndertheFCRA,unverifiedaccountsmustberemovedandifyouareunabletoprovidemeacopyofverifiableproof,youmustremovetheaccountslistedbelow.XXXXXXXXXXXXXXXX(ORIGINALCREDITOR:XXXXXXXXXXXX)
Product: Mortgage

My Bankruptcy Trustee made a double payment to Ranlife for XXXX and XXXX. Then paid XXXX. Ranlife recently acquired my account from XXXX. These three payments were not properly applied and sitting in a suspense account. I have received several notices that my mortgage has not been paid. But, the payments of over {$5000.00} are sitting in a suspense account. All the agent told me, a ticket was created and it should be resolved in 3/4 days. Meanwhile Im left wondering if this will be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Southwest Credit Systems To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt not verification that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thanking you, XXXX XXXX
Product: Checking or savings account

I had opened a Citibank checking and savings account. I passed all verification steps online and my account was opened. I decided to get my loan funds direct deposited into my checking account which was done so on the XXXX of XXXX. I have a business to run and funds must be used to pay my employees. But Citibank took it upon themselves to block access to my account for no reason. Ive called in so many times trying to get access to my account and I even set up my payroll through XXXX to pay out my employees again citibank wont give me access. I was told I need to wait for a reference number in the mail never got it. Citi bank will not let me gain access until i get this reference number that i never got in the mail. Ive receive my debit cards and pin and even my personal checks but no reference number. 

Ive asked if I could step into a branch location to take care of this and i was told no. The letter im to be getting in the mail was mailed out on the XXXX of XXXX. It makes no sense what this reference number is suppose to be for. Ive had to contact my lender to verify everything is good on their end and it is. So citibank holding my funds is causing a burden. I will be facing a lawsuit if I do not pay my employees by this friday.
Product: Checking or savings account

On XX/XX/08 XXXX days after my direct deposit I received an email my checking, savings and credit builder accounts were closed. I immediately called the bank number XXXX and spoke to an agent. The agent reviewed my account and transferred me to another agent. In total I was transferred XXXX times and was informed I needed to send an email to XXXX with my mailing address for the refund. I sent an email and received a response was informed They monitor account activity across all of their programs ; closure of an account can be the result of a users behavior on a program. Your account was identified for closure and does not qualify for a refund. i emailed Back four more times with the same response. I had a separate issue with fraud over XXXX weeks ago and not sure if this was related or not as they will not tell me. I then received another email stating Your account has been closed by Chime and is not eligible for a refund. For more information, please review the Amendment and Cancellation section of the Chime Deposit Account Agreement.

For immediate assistance, call us at XXXX. Please let me know if you have any additional questions! I called the number to be told they will escalate the case to only receive the same response. Chime took my hard earned money in the amount over {$2000.00}. I sent an email back stating a hardship being a veteran with PTSD. I have Bills and obligations. Its the holidays. I have Tried in good faith to recoup my direct deposit. This is stealing someones direct deposit. Only deposits to the account are direct deposits. I work Hard for my money and in a desperate situation. Ok if whatever they closed the account but the funds in there are mine.