23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called the company Financial Credit Network ( collection agency on behalf XXXX XXXX XXXX ) on XX/XX/2020, I was looking to find a solution for my debt with XXXX  XXXX XXXX since they suit me and is an entry judgment against me. 
I was expecting a high balance but I didnt expect over {$2000.00} in interest and legal fees, I asked for a settlement and the representative ( from Financial Credit Network ) informed me that the company wont settle for less than the original balance in lump-sum, I dont have money to make a lump sum, so I asked for a payment plan since the balance is {$10000.00}. 
I proposed {$2000.00} as down payment and the remaining in payments of {$150.00} per month since that is what I can afford, most during this COVID-19 pandemic, but the representative offered the {$2000.00} as down payment, payments of {$150.00} dollars JUST for the 3 first months and after that they will review my finances in order to change the monthly payment. At the beginning I explained to her that it sounds fine, but nothing promise that my finances will change and {$150.00} is the maximum amount I can pay every month. 
Almost at the end of the conversation the representative admitted that her company can accept {$2000.00} down, {$150.00} per month maximum for the first 6 months and after that the payment will increase the payment to {$250.00}, and the reviews will continue every 3-6months, BUT regardless the result of the review the monthly payment have will increase, she admitted the payment arrangement will not stop interest on the account and she couldnt clarify when this will end. 
The payment arrangement that Financial Credit Network is proposing is just MODERN SLAVERY, what she proposes is to review my personal finances every 3-6 months to verify I have enough money for them and later take it from me and my family needs, she propose to increase the payments EVEN when I advised I can afford {$150.00} and no more because my family needs, she propose me to pay interest over the interest ( never ending ), even she could not clarify WHEN the interest will be over. 
I HAVE to complaint about this illegal practices just because it is wrong what they are trying to do. I declined their payment arrangement because they will force me to pay more that what I can pay. This is not a refuse to pay the debt, I am asking for a payment arrangement with a fix monthly payment and a start date and end date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$690.00} Balance updated XXXX XXXX, XXXX Credit limit {$400.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT XXXX XXXX Status Account charged off. {$690.00} written off. {$690.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Past due amount {$690.00} Highest balance $ XXXX Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX Company sold - Original creditor - Comments Account closed at credit grantor 's request Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX This information would still be incorrect even if it was me. How can it be closed or charged off with a balance? But I did not open this account and I keep disputing it with experian and XXXX XXXX and nothing is getting done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I was notified by email that I had changed my mobile alerts to XXXX XXXX XXXX, within minutes another email congratulating on my new checking account, then another one stating I added a new bill payee XXXX XXXX. I immediately tried to log into my account in which I could not due to wrong password. I called and told them what was going on, the lady wanted to know if i needed the account unlocked I told her absolutely not that was not me and i need everything froze until we figure it out. she said ok when I asked what my next steps were she had no idea no help. I then made a identity theft complaint with the ftc and within that time I had noticed that my XXXX XXXX was also breached, XXXX XXXX XXXX  and XXXX when I looked onto my accounts more closely. There were charges not mine dating back to XX/XX/XXXX. I then mailed out to all the companies a debt validation letter. Chase returned there response that they could not verify the debt as being mine. Now mind you I had three credit cards through Chase and when they closed them you can imagine the devastation that took on my credit score, I had a XXXX it dropped to XXXX. Then of course my other credit card companies followed suit devastating my credit even more. I have always kept my account current and I have been a customer of Chase for over 15 years my cards where over 9 years. I have received notice that I had a negative late payment mark on my credit indicating a lowering of my score, I went to see what it was and it was from Chase. They have done nothing to investigate the fraudulent opening of a checking account the bogus payments on my credit cards for them to be used immediately withdrawing said funds and then stopped payment on said cards. After they could not verify my account balances as belonging to me and after they had written off the " bad '' debt. 
I
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost importance regarding my credit report. I recently discovered that my personal information, compromised during the Equifax data breach, has been sold and purchased illegally. Despite Equifax acknowledging my status as a victim, I am facing challenges in rectifying the unauthorized accounts on my credit report. 

Equifax Incident reference # XXXX  Equifax breach claim # XXXX The unauthorized accounts I am requesting to be immediately removed from my credit report are as follows : XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX Attached herewith is the evidence of Equifaxs acknowledgment of my victim status in the data breach. I am seeking your assistance in facilitating the removal of these illegitimate entries promptly to rectify the inaccuracies on my credit report.

I have made multiple attempts to resolve this issue directly with Equifax, but unfortunately, no action has been taken to correct the discrepancies. Your intervention is crucial in ensuring the protection of my consumer rights and the accuracy of my credit information.

Please find attached the following supporting documents : 1. Equifax acknowledgment of my victim status.

2. Any additional supporting documentation.

I appreciate your prompt attention to this matter and look forward to a swift resolution. If further information is required, please do not hesitate to contact me at XXXX Thank you for your assistance in rectifying this serious issue.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian
Product: Vehicle loan or lease

United States Code Title 31 sec3on 3123 states that the US Government has an obligation to pay dollar for dollar principal and interest in legal tender ALL DEBTS accrued by the American people. I am an XXXX and Global Lending Service is trying to force me to pay for a debt that has been paid. In my credit report, they claim that I have a balance after they Repossessed the car and sold it. I had requested to show me proof that am still have to pay {$8600.00}. But they always claimed that the debt was going to remain in my report until I pay in full. But they never provide a full accounting report. My consumer report shows that I have a balance of {$8600.00} on a closed account. However, when it comes to report what it my monthly payment it shows {$0.00}. The claim is that my last payment was XX/XX/XXXX. The worst payment status they have not reported any information. How can they represent that my dispute was resolved when the reporting agencies have not been provided with the correct information? The account was closed on XX/XX/XXXX. But on XX/XX/XXXX they sent me a bill in the amount of {$480.00} due by XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/2023, it has come to my attention that NATIONAL CREDIT SYSTEMS has included an unfavorable remark on my credit report, as indicated by XXXX XXXX. I want to assert that this account is fraudulent and was never associated with me. Upon conducting a thorough investigation, it has become evident that this account has been transferred or sold, and I bear no responsibility for this fraudulent activity. Additionally, the credit agency responsible for this collection has failed to verify its legitimacy, and no written communication, contact, or signature pertaining to this alleged debt has been provided. It is essential to recognize that a bill lacking a signature does not validate the debt, as anyone can send an invoice and falsely claim it as mine. In light of these circumstances, I must highlight that NATIONAL CREDIT SYSTEMS has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Consequently, I am requesting immediate legal action to rectify this matter by removing the account without delay.
Product: Credit reporting, credit repair services, 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 this account 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 listed account needs to investigate and correct erroneous reporting in the file listed on my credit reports. 
XXXX XXXX XXXX Balance Owed : {$15000.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I was sent a check in the mail for the amount of {$700.00} dollars i then tried cashing it through my bank I had called INGO Money Inc to see if the check was fully processed through they had mentioned that it was then processed through. 
The check that was sent to me was from my previous finance company. 
I then sent the check through on Ingo money inc and they had processed it through I then did not receive the full {$700.00} dollars there was over {$30.00} removed from the previous amount given. 
I am writing this to inform that I was not expecting for them to deny the check later on and why would they process the check and tell me it went through and deposit my funds I don't think I should be charged for the fact that i called to make sure it had went through and I was told yes then to know later on was denied. 
If there is any way I could dispute this transaction and not be charged for it may I be contacted. I fairly think this debt should not be charged to my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Carvana illegally ran my credit without my permission put a hard inquiry on my credit report on XXXX I did not sign or agree to this Hard inquiryI would like Carvana to remove this inquiry from my credit report as soon as possible and adjust my credit score accordinglyI sent a letter to Carvana on XX/XX/XXXX and I have not gotten a response.It has been over 30 days and I would like them to remove it as soon as possible
Product: Payday loan, title loan, or personal loan

I have borrowed from XXXX since XX/XX/XXXX using my phone to conduct loans online. There has been only one incident in the past about completing a loan due to a " glitch '' in their software. Was resolved, although not quickly. I have never missed a payment and have sometimes paid early. I live in Wisconsin. I am " achieved Gold Status '' on their " Ladder to Success '', yet am told Wisconsin does not allow consumers to go beyond " Silver Level ''. I have never been able to borrow any higher amounts nor have I been charged a lower finance rate even though I have paid on time and or even early. 
Since XXXX XXXX, XXXX, I have been trying to re-apply for another loan and the system has another " glitch '' in it. SIX DAYS LATER ... ..STILL UNABLE TO RE-APPLY!!! This has hurt me financially as I neeed the money for rent due XXXX XXXX. Nothing is posted about the problem. They tried to say my phone was causing it. Another employee said I was " Third Party Restricted ''. I  called those people. They said I was not and XXXX was giving me wrong info. 
I find 6 days of an issue not resolved as indication of something else going on. Am I due any refunds???
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE ACCOUNTS THAT SOMEONE ELSE OPEN IN MY NAME THEY USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OBTAIN FRAUDULENT ACCOUNTS THESE ARE NOT MY DEBT OR MY ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX   XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not disputing money owed on the account. 
XXXX XXXX master credit card automatically enrolled me in paperless statements and did not receive a paperless statement. 
I did not consent to enroll in paperless statements. 
Sent my wife a credit card due to Wisconsin Law- I am a Delaware resident. 
Never sent me a paper statement to address on file. 
Hit my credit report with a miss payment. 
Credit card company acted on its own behalf and did not send a bill. 
The paperless statement did not go to a e-mail address either. 
I had no ability to receive a bill. 
Credit card sent a credit card to my wife. 
My wife was unable to set-up account for direct payment My credit score went from a XXXX to a XXXX when going to buy a home mortgage. 

Late fee of XXXX is being removed. 
{$79.00} Annual enrollment fee is being removed and causes closure to the account,. 

Reference number XXXX. 

They were unable to remove me from paperless statement or send me a confirmation at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report show a judgement that was satisfied XX/XX/2018 as filed instead of satisfied.
Product: Debt collection

XXXX XXXX, XXXX XXXX XXXX, XXXX FL XXXX issued a loan to cover XXXX  care that was supposed to be interest free until a date, giving time to repay the entire amount before interest accrued. A payment was due on XX/XX/XXXX which was missed due to personal emergency ; an additional {$200.00} was added to the amount cited on the pay-by-phone account information call of {$2200.00} on XX/XX/XXXX bringing the outstanding balance to {$2400.00} -- that's an additional charge of {$200.00} accrued as of XX/XX/XXXX. It took 30 minutes to get through to a person at a call center in the XXXX who would/could not help but kept repeating the same sentence. This is usury and the CFPB is supposed to be protecting us ordinary citizens against these usurious practices. This bank needs to be investigated and regulated and punished for charging usurious rates of interest.
Product: Money transfer, virtual currency, or money service

I signed up for a Wells Fargo XXXX XXXX XXXX to transfer balances from other credit cards to their 0 % balance promotion. They did not disclose that it would take two-weeks and I had a balance that would incur a deferred interest amount by the XXXX of XXXX. I paid the balance and asked them to stop the transfer. I went into a Wells Fargo branch and asked the banker assigned to call and cancel. The Active cash rep told the banker they could not because the transfer had been completed. I contacted Wells Fargo 6 times from XX/XX/XXXX to XX/XX/XXXX to have this and another transfer created by mistake cancelled but all I was told was that I would have to have the monies sent back from the creditors they over paid. 

I have since asked them to refund the monies and cancel the account. I have only received an email acknowledging my XXXX email and nothing regarding the physical onsite attempt to correct the transfer and nothing from the XXXX phone calls. Today the XXXX of XXXX I have a new balance of {$10.00}, XXXX that includes {$3900.00} of overpayments that I had tried to stop. I believe I have been given false information and taken advantage of. I wish to have the account closed, as I have requested many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to request the removal of a charge off from my credit profile due to being a victim of a data breach. According to the law 15 U.S.C 1681, credit reporting agencies are required to report accurate and complete information, and to investigate any disputed information. 

My personal information was compromised in a data breach, which resulted in fraudulent charges being made on my account. I have reported these fraudulent charges to the relevant authorities and have taken the necessary steps to protect my identity and credit. However, one of the creditors involved in the fraudulent charges has reported a charge off on my credit profile, which is inaccurate and does not reflect my credit history. 

Account # : XXXX - XXXX I request that you investigate this matter, remove the charge off from my credit profile, and take appropriate action to prevent further harm to my credit. I also request that you provide me with a copy of my credit report, as well as any other information related to this matter. 

Thank you for your attention to this matter. 

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

XXXX is reporting 60 days late. This is not true My account is placed on a hardship program
Product: Mortgage

Despite multiple requests and, in our position in a breach of contract, Wells Fargo has frozen the credit line since XX/XX/2019 while holding a lien on the underlying property. 
In an XX/XX/2019 registered letter, Wells Fargo was summoned by us to either reopen the line of credit or to close it and release the underlying property as there was no balance due. 
In their response dated XX/XX/19, Wells Fargo confirmed their refusal to reopen the line of credit, but did not release the lien nor issued the satisfaction of mortage instrument in violation of Florida Statutes 701.04 that requires a lender to issue such instrument within 14 days and then to have it recorded in the official records of the county.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a credit inquiry listed on my credit report that I did not authorize. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX