23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear : Consumer Financial Protection Bureau. 
I receive a collection letter from Transworld Systems Inc. for XXXX XXXX this is a phantom bill, malice and retaliation from XXXX because they couldnt get the fraud money that they demand, and its a wrongful collection. I paid my bill in timely manner and paid as agreed. XXXX using consumer credit report and collection agency to hold me as hostage for extortion and ransom for their greed and profits.

There are two items that XXXX present to XXXX for their defending that I dont have or know anything about it. The statement XXXX send to XXXX is what XXXX created after I filed a complaint against them for fraud for profits. 
1- I did not have any record of statement or debit amount withdraw or credit in the amount of {$79.00} from XX/XX/XXXX to XX/XX/XXXX. There is no record within my XXXX checking account or credit card account for the payment of {$79.00}. In addition to, in XXXX/XX/XX/XXXX XXXX claimed to give me a credit for {$140.00} is false, because, that same amount was adding back onto the following bill. XXXX can create any billing statement to send to XXXX and your office, I can only present to you what I got from them and my bank. 
2- The amount of {$140.00} check # XXXX was paid and clear and was never return or cancel, and XXXX letter confirm its date XX/XX/XXXX, and prior to that too. In addition to, I send to Ms. XXXX my XXXX bank statement as she requested more than one, still no billing correction or justify the amount above, is was paid and paid. ( Attach copies document and letters ). 
You could check with my XXXXXXXX XXXX and XXXX XXXX for my paying bill habit, for almost a decade I have no late charge or insufficient fund in all my accounts. I paid my bill in timely manner and paid as agreed, and I dont want to be a victim of this type of fraud and retaliation from XXXX because of greed. 
This collection isnt necessary, I has requested many times for the correct billing statement of {$240.00} minus {$140.00} but all I get was ignored, denied, and silence. I have no problem paying my bill when XXXX sent me the correct billing statement I will send them the remain payment. No collection needed. Thank you for your understanding. 
Sincerely, XXXX XXXX PS : Attach are copy/paste from my XXXX account paid in full, and more in hard copy. 
XX/XX/XXXX Bill Payment Online Payment XXXX To XXXX XXXX XX/XX/XXXX {$160.00} XX/XX/XXXX Bill Payment Online Payment XXXX To XXXX XXXX XX/XX/XXXX??? {$280.00} XX/XX/XXXX Bill Payment Online Payment XXXX To XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX {$150.00} XX/XX/XXXX Check CHECK # XXXX ( view ) {$140.00} XX/XX/XXXX XX/XX/XXXX Sale XXXX XXXX {$140.00}
Product: Vehicle loan or lease

I had a car loan with GM financial up until XX/XX/XXXX. On XX/XX/XXXX I traded in the car back to XXXX XXXX where I originally got it for something else. After tradeing in the car I noticed several months later that I had 2 late payments for XX/XX/XXXX and XX/XX/XXXX. I have turned in documentation several times to GM financial which includes a letter saying the dealership had the car. All I've asked was for the payment history to be updated to reflect not late because I no longer had this vehicle. On my XXXX credit report it has a closing date of XX/XX/XXXX while on my XXXX it has w closing date of XX/XX/XXXX. The last time I disputed this information GM financial added a late mark for XX/XX/XXXX on a closed account from XXXX. I called and notified them of this in which the call is recorded. All I want is the late payments to reflect on time never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section XXXX ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and XXXX have got in the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Also there was no proof of how the debt was validated and I never received a method of verification letter or a 1099C form ( Debt Of Cancellation ). Please remove these closed/late 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 XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Student loan

Fair debt collect practices, the company Navient has abused several articles by contacting several people outside of the persons on the account in attempts of collection. I filed for forbearance in XXXX of XXXX and was granted until XXXX of XXXX but they have constantly been calling members of my family and friends that I do n't know how they got their phone numbers and information because my name and mothers name are the only ones on the loans. And the practices calling and telling people that it is a emergency that they speak with after my forbearance was approved there was not need to speak with them. But just practices of attempting to collect on the debt are not within the rules of the Fair Debt Collection Practices Act.
Product: Prepaid card

I have a Rush Card and I think they have deliberately restricted online access to people 's accounts so that we will not be able to track transactions. They have issued many statements asserting that all issues have been resolved, however, unless you are willing to hold for three hrs to speak to a representative, you have no way to know how much has gone into or come out of your account. My accent information is not accessible thru their website nor their iphone app. They know this but have not taken any steps to resolve it. Keeping us in the dark only serves to benefit RushCard. I 'm sure if I could see my transaction history, I would find discrepancies. I 'm positive there is money missing from my account. Who can I even speak to about this?? It is tragic that RushCard could treat their customers like this when they know they service economically disadvantaged consumers.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute an account listed on my credit report that I have no knowledge of. The account in question appears to be associated with ED Financial for a federal student loan. I have reviewed my records and have no recollection of applying for or authorizing any loans with this company.I believe this account may be fraudulent or the result of an error. I would appreciate your assistance in investigating this matter and removing the account from my credit report.Despite providing all necessary documentation and clarifying that I have no knowledge of this fraudulent account, the issue persists, and the account has not been removed from my credit report. I have made multiple attempts to address this directly with the credit bureaus, yet there has been no meaningful response or resolution to my case. 
This ongoing situation is affecting my credit standing, and I am extremely frustrated by the lack of action taken. I am requesting immediate attention to this matter and a thorough investigation to remove the fraudulent account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts on my credit report that I have not opened and have not authorized the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX  years, I keep requesting the permissible permission used to access my credit report in XX/XX/2017 by XXXX XXXX XXXX XXXX and Experian. However Experian and XXXX  keep sending the attached Account History and Contract documents.????? Do these companies have a language barrier?
Product: Credit card

This is the saga of XXXX XXXX XXXX XXXX and yes Citi you WILL respond to this one.
Product: Payday loan, title loan, personal loan, or advance loan

I am submitting this formal complaint regarding Zips handling of my order adjustment and refund related to an XXXX purchase made on XX/XX/XXXX. Despite multiple attempts to resolve this issue with both Zip and XXXX, I have been met with contradictory responses and an unresolved balance. 
Details of the Issue : On XX/XX/XXXX, I placed an order on XXXX totaling {$280.00}, which I chose to pay using Zip 's installment plan. The scheduled payments were as follows : {$72.00} on XX/XX/XXXX ( paid ) {$72.00} on XX/XX/XXXX ( paid ) {$72.00} on XX/XX/XXXX {$72.00} on XX/XX/XXXX Before a portion of my order shipped, I canceled {$86.00} worth of merchandise through XXXX. 
On XX/XX/XXXX, I received an email from Zip stating my order had been " adjusted '' by {$110.00}, yet my order total still incorrectly reflected $ XXXX inconsistency that makes no sense. 
Despite this so-called adjustment, I was still charged the full {$72.00} second installment on XX/XX/XXXX. 
I attempted to resolve the issue with Zip, but they directed me to XXXX. When I reached out to XXXX, they redirected me back to Zipcreating a frustrating cycle of miscommunication. 
Eventually, Zip refunded me one payment of {$72.00}. However, I have returned all items to XXXX and am still awaiting the refund for the second {$72.00} payment. 
Why This is a Problem : Lack of Transparency in Order Adjustment : Zip claims to adjust payments based on XXXX records, yet it failed to account for my cancellation correctly. 
Unresolved Refund of My Money : I have returned all items to XXXX, meaning I should be fully refunded. Zip is refusing to refund the second installment payment, claiming they do not owe it to me, which is incorrect. 
Runaround Between Companies : I have been unfairly bounced back and forth between Zip and XXXX without a resolution. Neither company is taking responsibility for ensuring I am refunded the amount I am owed. 
Desired Resolution : I am requesting that Zip immediately issue a refund of {$72.00} for the second installment payment, as I have returned all merchandise and should not be financially responsible for an order I no longer possess. I also request a clear explanation of how Zip determines order adjustments and why this situation was mishandled. 
If this issue is not resolved promptly, I will consider escalating this complaint further, including filing a dispute with my bank and reporting Zip 's misleading refund practices to relevant consumer protection agencies. 
I appreciate your prompt attention to this matter and look forward to a resolution.
Product: Debt collection

I recently went to the police department to complain and file a report. They asked if before I went further with the report, that I can bring in solid evidence that my identity had been compromised. I then reached out to the bureau 's as well as the original credit numerous times, no documentation provided. 
Please note, the few times I've reached out it's been in seek of not just an itemized invoice. 
I then recently sent them my FTC report, it's now the 52nd day and no response. I, unfortunately, did not record the login information and had to update it today. 
I have no relationship with this collection agency or creditor and this is not my debt. I received no right to dispute, anything! It just appeared on my credit report. I've lived at the same address for 6 years, nothing has come to my home. Full violation of 609 and 823, as well as the FCRA that requires they respond to my FTC affidavit. I say all of this with humility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding a hard inquiry : XXXX on XX/XX/2021. 

Their investigation and re-investigation did not prove to me of my consent to run a hard inquiry on my background or credit. I tried and tried but TransUnion provided me with no concrete proof that it was authorize by me. I will take accountability for it when I know it was authorized by me but this is not one was not by me. I need this to remove off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion and XXXX to dispute fraudulent inquiries on my credit file made by a car dealership running my credit multiple times! They told me the company had 30 days to respond and they would be back with me. Its been longer than 30 days and I would like to get to the bottom of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA this company XXXX XXXX needs to provide me the consumer with proof of purchase of my personal information that includes dates, and amounts and everything included with the sell of my information.
Product: Mortgage

I tried with Ocwen to get assistance but kept getting denied. My husband I eventually had to file bankruptcy with a bankruptcy attorney. On XX/XX/XXXX we filed. It put a hold on our auction. We received a new date of XX/XX/XXXX. But our bankruptcy discharge wasn’t until XX/XX/XXXX. The week of XXXX  we went to meet the bankruptcy trustee. No creditors attended. After that meeting we received another letter saying our auction was going to be XX/XX/XXXX. Now it took until XX/XX/XXXX to get the discharge. I contacted the bankruptcy div of Ocwen on the XX/XX/XXXX. The auction was on hold. By Monday when they received the concent by my attorney. It was off. Hold and we now only have less that 2 weeks. Shouldn’t we have received 30 days. They need that much for the loan mod paperwork. That’s all I want is 30 days.
Product: Money transfer, virtual currency, or money service

I received 2 identical emails XX/XX/19 an email address on my PayPal account had been added. When I tried my account to change/report this, I no longer had access. I called PayPal and reported the issue, which they reportedly fixed and said they would start an investigation and I would get information about resetting my account. I closed my associated bank account and changed my credit card number. I contacted them today XX/XX/19, as I still hadnt heard back about resetting my account. The changes from a month ago never took place and someone changed the email, phone number, address and credit card associated with the account, effectively locking me out from the account. This is in the process of being rectified by PayPal but I am concerned about the possibility of ongoing identity fraud and that unauthorized transactions ( on XX/XX/19 ) occurred that Im concerned may involve another fraud victim. These transactions were in the amounts of {$90.00} and {$10.00} which Im guessing were chosen to test alert limits. Once I have limitations lifted and have full access to my account again, I will be refunding these amounts.
Product: Mortgage

I am a Veteran, I purchased a home in XXXX Texas. Wells Fargo held the loan. After 7 years of on time payments. I was unemployed. I was entered into a Wells Fargo Loan Modification program. Within 3 months, I was in Forclosure.
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts to address this issue, I would like to follow up regarding these these fraudulent entries persist, adversely impacting my financial standing and creditworthiness. The fraudulent items in question such as unauthorized accounts, inquiries, or personal information, and they have been erroneously reported on my credit file. I have diligently submitted disputes through your bureau, providing comprehensive explanations and supporting documentation to contest the fraudulent nature of these entries. I have communicated directly with the creditors associated with these fraudulent items, seeking their cooperation in rectifying this matter. Unfortunately, these efforts have not resulted in the removal of these fraudulent entries. I have followed the appropriate channels to dispute these inaccuracies numerous times, yet the fraudulent items persist in my credit file. Please help me remove these fraud items in my credit file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Due to the multiple data breaches across the country, including the exposure of personal information such as my Social Security number, unauthorized accounts were opened in my name. As a result, my credit report was negatively impacted, and I was recently denied a mortgage while trying to purchase a home. All unauthorized accounts have been listed in this report for further review and action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a mortgage that I originated and closed with XXXX XXXX XXXX XXXX 

It was sold to Roundpoint Mortgage Servicing. Loan XXXX XXXX I have been sent mulitple threatening letters regarding force placed insurance. 

Last year they threatened to force place Windstorm coverage. I was not required to have Windstorm coverage with my original mortgage with XXXX. It is my understanding that the new servicing company Roundpoint can not force coverage that was not in place at original time of closing. Please demand that they stop threatening to force place coverage. 

I just rc 'd a letter dated XX/XX/XXXX stating they are going to charge me for lender placed flood insurance to up my coverage on the building from current XXXX XXXX XXXX XXXX XXXX. My coverage is more than was required by " National Flood Insurance Act ''. The premium that they want to charge is an additional {$340.00} annually. The current premium I have for my current policy for XXXX in building coverage is {$810.00} for the year. 
I think they are out of line and also price gouging by charging XXXX for XXXX in additional coverage. 

The letter they sent me states that the current flood insurance policy was cancelled, expired or unacceptable as of XX/XX/XXXX. My coverage was paid for by XXXX XXXX and a copy was sent to Roundpoint as the Mortgagee. The policy period is XXXX XXXX XXXX 

Please contact Roundpoint and let them know they are out of line.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was not paid late ever because it was part of a rehabilitation plan with monthly payments required. The balance was paid in full on time in XX/XX/2022. Payments from XXXX, XXXX, and XXXX were successfully processed ; however, the company continues to report inaccurate information in partnership with the University. 

The late payments reported on this account are inconsistent across the three bureaus. This company has failed to provide me with documented evidence as requested. XXXX shows a late payment in XXXX, XXXX reports a late payment in XXXX ( and on time payments in XXXX, XXXX and XXXX ), and Transunion does not show a late payment at all.
Product: Debt collection

XXXX mission valley was a leasing company I looked into before moving to XXXX XXXX. I decided against XXXX after some bad reviews, but paid them an application fee. After deciding not to even live there, I called regarding a refund, which they granted me. 

A year later, I received an email I wrote off as spam, because it said I had moved out of a place I had never lived/was charged fees for it. 

Now this account is in collections for money I never owed In the first place. 

Attached are my credit card statements showing the payment and refund from XXXX XXXX XXXX, as well as my lease with a different company for the period of time I apparently lived in the apartment I never rented
Product: Credit reporting, credit repair services, or other personal consumer reports

I used the GI bill for college funding. It was claimed that I was overpaid {$1600.00} and the account went into collections. I disputed the debt with XXXX, XXXX, Experian, and the VA. I paid the debt to the VA not as admission or ownership of the debt but to salvage my credit. The result of the dispute was that the reporting would stay. I do not dispute the event, rather the legality of reporting a non-consumer finance debt in which there were no provisions, terms, or rates agreed to. 

The 2015 CRA settlement language reads " Do Not Report debt that did not arise from a contract or agreement to pay '' This was not a consumer finance transaction and therefore should not be reported to CRA 's as a loan or anything else. There is no document in which I signed or consented to this debt. There is no explanation or verification of the debt.