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

I recently discovered errors on my credit report. On XX/XX/XXXX, I wrote letters to the credit bureaus, and requested that they investigate these errors. They were supposed to conduct their investigations and respond within 30 days. XXXX XXXX did, but I never heard back from XXXX and Experian. I even wrote follow-up letters to XXXX and Experian in late XX/XX/XXXX, but those letters have also gone ignored.
Product: Checking or savings account

Checking account called " Demand Notes '' by " XXXX XXXX '' XXXX XXXX XXXX. XXXX MI XXXX and their " paying agent '' Northern Trust XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX IL XXXX. 


XXXX XXXX notified me in XX/XX/XXXX that two of my checking accounts would be closed by XXXX, and any remaining balance would be sent by check after that date. I received a check for one account, in the correct amount. The second check I never received. I called by phone, spoke to an Ally representative in XX/XX/XXXX, and was told that Northern Trust Co responsible for distributing the checks had sent many checks that were " lost '' in the mail. From what I could gather, hundreds if not thousands, of postal checks went missing under NTC 's care. 

I thought it would be a simple matter for them to reissue me a check, and put a stop on the " lost '' one, but they refused and told me I had to complete an affidavit, get it notarized and mail it, and then they can issue a replacement check. It would cost me about 1 hour of work, and {$20.00} to pay a notary public, plus postage, just to get this payment that is due. What is bad about this is NTC and XXXX is doing this to possible thousands of people. 

It seems to me really poor behavior, if not outright illegal and non-compliant to regulation, for XXXX and NTC to behave this way against so many customers, many of who will sustain a loss. 

Please investigate how many people had to pay to get their money back from XXXX and NTC. 

I can provide further info.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as i assume it has to be. I have not been able to get help from them for months but i just remembered i could file a report in here as i feel they are not doing their job properly and it is affecting my business and my deals as i used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am hoping you can help me with an issues I have with Comenity Bank. In XXXX of XXXX Comenity Bank and myself came to a settlement agreement on a balance I owe of {$2200.00} the settlement agreement was {$890.00} of six payments. 
XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$390.00} Now they are trying to say that I owe them {$1300.00} which is the difference between the full balance and the settlement offer that was paid. Also on my credit reports XXXX XXXX and XXXX are all reporting a balance to. This should not be happening since I have a letter from them with the offer and payments schedule. I have attached the letter for you viewing. This has done on long enough and need to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my credit reports, I called Experian and and advised that i have tried contacting XXXX XXXX XXXX XXXXr and XXXX XXXX to request a copy of my signed application when the account was opened and they stated that they don't need that to put it on my credit report, I advised that these accounts are not mine to send proof and they stated they don't have any proof just want the creditor is telling them.
Product: Debt collection

On XX/XX/XXXX, I disputed a collection account reported by Transworld Systems with XXXX. On XX/XX/XXXX, I disputed the same collection with XXXX and XXXX. XXXX investigated and subsequently deleted the collection account from my credit report. 

The debt in question is supposedly from XXXX, but I was never notified of it before it appeared on my credit report. The collection account was added to my credit report on or around XX/XX/XXXX. According to the credit reports, the account was supposedly opened on XX/XX/XXXX. However, one credit bureau shows it as a delinquency from XXXX and to be removed in XX/XX/XXXX, yet the account only appeared on my credit report on or around XX/XX/XXXX. 

Additionally, Transworld Systems never contacted me before placing the collection on my credit report to inform me that I was being accused of a debt, nor did they tell me of my right to dispute the debt. This violates the Fair Debt Collection Practices Act, which requires that I be notified of my right to dispute. On XX/XX/XXXX, I sent a certified mail request to Transworld Systems requesting verification of the debt. According to USPS tracking information, my request was received on the morning of XX/XX/XXXX. However, later that same day, Transworld Systems updated the collection account balance on my credit reports without providing me with any verification or validation of the debt, another violation of the Fair Debt Collection Practices Act. 

These actions have significantly damaged my credit score and created confusion and distress. I am seeking an investigation into Transworld Systems handling of my dispute and verification requests.

**Note : ** On the next page, you ask for the name of the company that contacted me. However, I must emphasize that I was never contacted by the collection company regarding this debt before they reported it on my credit report, and I still have not been contacted by them. This is a critical aspect of my complaint, as it directly violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act ( XXXX ). Therefore, I will provide the company information for Transworld Systems, but I want to clarify that stating they contacted me would be inaccurate.
Product: Debt collection

A woman from a collection agency for XXXX XXXX called me at XXXX from the number XXXX XXXX XXXX XXXX. She was calling about a debt I owe to XXXX of {$150.00} or so. When I told her I was not working, not eligible for unemployment insurance and I do not have any money, she prodded me to get friends and family to help me. I told her that they are already helping me as much as they can ( I am living with family and they are making sure I have food and have access to a phone, car and car insurance so I can continue to look for work ). 

I explained to the woman that I recently got divorced and have a lot of bills that have added up. I told her that I am aware of the debt and plan to pay it as soon as I can. She then asked which bank I use. I told her I will not give her that information and she proceeded to tell me that I may as well just give it to her since they 'll keep calling and get it eventually. Then she started raising her voice and and said " Are you trying to say not to call you again? Is that what you 're trying to say? ". I told her that it is illegal for her to harass me and that I had already told her I am aware of the debt, I do not have any money, and I plan to pay it when I am working and can take care of it. I told her that I was n't telling her not to call me again and she was talking over me, yelling and arguing. Eventually, she hung up on me. 

This conversation is the most adversarial and nasty one I 've ever had with a debt collector. It left me shaken up. I had a scheduled phone job interview with a potential employer right afterwards. I 'm hoping answering this woman 's call did n't affect my manner on the phone. 

I am trying my best to find work and be able to support myself again. I do not feel it was fair or legal for this woman to verbally abuse me on the phone. I answered the out-of-state number, knowing it was probably a debt collector, because I 'm being as responsible as I can. I do not like having outstanding debts and I try my best to deal with everyone who contacts me in a fair and respectful way. I am in an unfortunate spot in my life at the moment that will hopefully pass soon. Being abused over the phone by a debt collector adds insult to injury. 

I reported this because I do not want anyone else to be treated the way I just was.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Below are inaccuracies that I would like to dispute Employment Information : XXXX XXXX  Addresses : XXXX XXXX XXXX  XXXX XXXX, XXXX, NY, XXXX & XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, NY, XXXX Phone Numbers : Please be advised that any phone number listed on my credit report, other than XXXX is inaccurate and does not correspond to my contact information. I request the immediate removal of any erroneously reported phone numbers that are not associated with the provided correct number. Please remove all other numbers other than the one listed here. 

I request a comprehensive investigation into these inaccuracies and the subsequent removal of the disputed information from my credit report. I understand the importance of accurate reporting for maintaining the integrity of credit profiles, and I am committed to ensuring the correctness of my personal information. 

To facilitate the investigation I have attached supporting documentation that verifies the accurate details of my employment residence, and contact information. I kindly request that you promptly review this dispute and provide written documentation for the corrections made to my credit report I appreciate y our attention to this matter and anticipate a timely resolution. Please provide a written response with the statutory period, as per the Fair Credit Reporting Act, Confirming the removal of the inaccuracies from my credit report. 

Thank You for your prompt attention to this matter. 

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

Mortgage was paid in full after COVID forbearance as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These payments were paid. I need late payments removed. Me and my wife are survivors of the XXXX pandemic. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022 I have mail 3 different letters following the FCRA law to XXXX, Transunion and XXXX. I have not received any respond from them which exceeded more than the 30 days they have to respond by law. I am attaching the letters I mailed following the FTC and FCRA law to Validate the accounts I included in the letters for verification.
Product: Student loan

The reason for this complaint pertains to Predatory Lending. XXXX has been be fraudulently misleading students. According to the CFPB it is believed that XXXX used high-pressure tactics to push many consumers into expensive loans destined to default. During the course of XX/XX/XXXX through XX/XX/XXXX I was encouraged to take out loans and continue my education from an XXXX degree to a XXXX. The Department of Education a student can receive loan discharge for this but this only applies to recent students and those who recently completed their studies within XXXX. This is an unfair process in that many prior students have a considerable about of debt because of this. Moreover, is that since the XXXX name has become tarnished it reduces the likelihood of receiving a new position. Employers may deem students not being well educated. Recent students at least get the opportunity to repair their statuses. While previous one have little or no chance. I believe if a discharge can not be granted for all students affiliated, then all students should receive a partial discharge of loans. We are victims too.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or deleted. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

On XXXX Transferwise ( wise.com ) took {$700.00} out of my bank account. 
On XX/XX/21 Transferwise ( wise.com ) took {$700.00} out of my bank account. 
I have only approved one of the 2 transactions. 
Transferwise says that they only took {$700.00}, not {$1400.00} but my bank account clearly shows {$1400.00} has been deducted. 
In the Transferwise app, it only shows {$700.00} was taken. 

Transferwise says that they had investigated this and this was their response : " Our payment 's team has investigated this, and we can confirm that only one payment of {$700.00} was taken from your account. 

It looks like two transactions from your history, but the first " deduction '' was our system communicating with your bank to check if your balance can cover the total amount of bank debit transfers over the past 4 business days. The only payment was pulled out on XXXX XXXX XXXX ( UTC ). '' So basically Transferwise is denying having taken {$700.00} on XX/XX/21 when it is clear from my bank that they took {$700.00} that day. 

I am attaching my bank account 's transaction activity showing dates from XX/XX/21 to XX/XX/21. It clearly shows that 2 different {$700.00} amounts were deducted and not refunded ( each transaction also has a different ID # ). 

I am also asking my bank to look into this as Fraud but have not yet received a response since I requested an investigation 12 days ago. 

Thank you so much!
Product: Credit reporting or other personal consumer reports

I have 6 Hard inquiries that I Have no affiliation with these inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a follow-up dispute regarding unauthorized credit inquiries that remain on my credit report despite my previous dispute. These inquiries are negatively affecting my credit score and were made without my knowledge or consent. 

Name of Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I contacted the creditor directly to dispute the inquiry, but I have not received a satisfactory response. 

I also disputed the inquiries with the credit reporting agency Equifax, but it remains on my report.
Product: Credit reporting or other personal consumer reports

I have sent in several disputes for XXXX accounts for several month that are reporting late payments in the payment history on my consumer report.. ( XXXX and XXXX ) I have never been late on any of my payments. This is a violation of the FCRA and the late payments on each of these accounts should be updated to " paid on time or paid as agreed, never late '' in the payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

On XX/XX/2022 XXXX agreed to a payment arrangement and they did not fulfilled their promise of not reporting late payments.
Product: Credit reporting, credit repair services, 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 name : XXXX Account Number : XXXX has violated my rights. Or 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.
Product: Mortgage

I paid my mortgage to Rushmore Loan Management every month on time and then XXXX comes around and they said my check was returned. I sent them a copy of my bank statement showing them it did not get returned and then they went on to tell me its from a missed payment from previous company before my loan transferred to them.I think it's downright wrong to make my current payment ( XXXX ) returned due to something from previous company, which that was not even true. but yet and still I made a payment while they look over proof that I did not miss a payment with them either. So I made 2 payments. 1 for XXXX and one for XXXX. In XXXX I still had no answer so they again asked me for proof. I called previous mortgage company and they said there was no missed payments. So In XXXX I sent them over Every statement showing auto draft of mortgage payments from XX/XX/2018. NONE MISSED!! Now we are almost at XXXX and they have still not fixed my payment history nor taken off the fees they said will be removed once I proved my payment was not missed! They are still requesting me to make 2 payments to cover the payment I NEVER MISSED!
Product: Checking or savings account

I received a letter, dated XX/XX/XXXX, from Citibank indicating that I had exceeded the transaction limit for the statement cycle and which references a Federal regulation. On XX/XX/XXXX I called and left a voicemail with the Executive Response Unit, but never received a callback. On XX/XX/XXXX, I sent an email requesting for someone to contact me regarding the letter, but have not yet gotten a response. The reason I wanted to speak with someone was to inquire whether it is Citibank 's internal policy to restrict transactions on my savings account since I am aware that the 6 transfer limit on savings accounts was lifted as of XX/XX/XXXX and is no longer a Federal requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a mortgage account with Sun West Mortgage ... A couple of years ago I was out of the country and had some problems with transferring funds and speaking with Sun West Mortgage to make my payment. My payments are due by the XXXX of the month and for whatever reason I paid this account either on the XXXX or the XXXX of the same month. I absolutely do not believe I was 30 days late on this payment, but Sun West continues to report this payment as 30 days late. I have been disputing this late payment with the credit bureaus but have not been able to get them to remove it. I have tried calling Sun West several times but they have not really helped me resolve this issue. This late payment is really causing some challenges on my credit score and I would really appreciate having this inaccuracy removed.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XXXX as listed on my most recently reviewed Equifax consumer credit report, there is an unauthorized / fraudulent account listed which should be Excluded from my credit profile, XXXX  XXXX XXXX ( CLOSED ) XXXX XXXX Having understood that this is a violation of 15 U.S.C.1681a ( 2 ) Exclusions : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;. Both together and seperately, my consumer and privacy rights are being violated. The information should be confidential between myself and XXXX  XXXX XXXX. If you can not provide my written authorization, the aforementioned fraudulent / unauthorized account are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )
Product: Credit card

I have had an ongoing dispute with my Discover credit card concerning services that were allegedly rendered on XX/XX/XXXX by a local veterinarian office. I was able to obtain electronic medical records from the office after the attorney general of Kansas subpoenaed them from the vet office. The records had a date of XX/XX/XXXX however the electronic medical records time stamp was XX/XX/XXXX, showing they were generated a month after the tests were allegedly done. I called the vet office to inquire why this was and was interrogated as to how I received these records. I informed them that the attorney general sent them to me. They then threatened legal action if I contacted their office again. I presented these records to Discover and fully believed I would receive a refund since I proved the medical records were fabricated a month after they should have been. Discover, however, keeps siding with the merchant, even though I have proven the merchant has fabricated and generated these records a month after the death of the animal. I want the money refunded immediately.