23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I recently purchased four ( 4 ) " XXXX '' brand Prepaid XXXX cards. These cards were are distributed and serviced by InComm Financial Services Inc. All cards in this complaint were defective and could not be used to make a single purchase. When I tried to make a purchase with these cards, payment terminals always responded with the message " Not Authorized ''. I have not been able to make a single purchase with the cards in this complaint.
Product: Debt collection

I purchased a vehicle from this company and it was in a car accident and was totaled out. The company put the remaining balance on my credit report without speaking with me first to resolve this debt. The company then gave me another vehicle in which I paid out completely I have reached out numerous times to the credit bureaus to dispute this debt. I have reached out to the original creditor to try and get information about the company that the debt was handed over to but no one seems to know the information. I have tried several times to contact all numbers listed on my credit report for the creditor of the vehicle but the number is disconnected. It seems that the creditor is no longer in business but this is still on my report and there is no way to resolve this debt on my end because the company no longer operates.
Product: Debt collection

MCM was supposed to send me a refund check for the payments I made on the debt that was fraudulent they claimed that they sent it and that it was cashed, but they did not send it to me and I never received or cashed any check and they are refusing to issue a new one
Product: Debt collection

Credit Bureau Assosiates has been contracted to settle an auto loan debt I had with XXXX XXXX XXXX ( a CA banking institution ). Over the past 4 years I have made continual payments to them between the amounts of $ XXXX {$200.00} per month, most of which were requested by me to auto withdrawal from my account. I have not received a statement showing pay history in over 18 months. When agreeing on an amount due, the notes in " the system '' are different from what was said from a previous collector. And in 4 years I 've yet to see the amount the Bank sold the debt for to the collector. As of today they are saying {$2400.00} is the Bal ( due to interest ) with the amount owed to XXXX ( Bank ) as {$870.00}. They refused my settlement of {$900.00}. Sir/Ma'am what can I do? I am a XXXX and My Wife and I are working really hard to settle this debt. Thank you.
Product: Credit reporting or other personal consumer reports

unauthrized fraud inquiry from one main finacial without consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I deposited {$1000.00} into a Fifth Third account and paid a {$24.00} account fee solely for the purpose of establishing a trade line that would report as " Always Pays As Agreed. '' While I always paid the account on-time and as agreed, Fifth Third failed to properly report all on-time payments as well as the final account payoff to the major credit bureaus as agreed and as was the only purpose for the establishing of the accounts.
Product: Credit card or prepaid card

I closed my Capital One secured credit card account on XX/XX/2018, ( account # XXXX ) after submitting {$110.00}, which XXXX  out my secured credit line/funds at {$750.00}. I was notified by Capital One a month later with a letter dated XX/XX/2018 of my closing my account ( about 30 days ). Then I received a bank statement dated sometime around mid-XXXX ( there's no date on the statement ), that says a security deposit was " applied '' and I have a {$0.00} balance! 

So, it seems that Capital One has stolen my {$750.00} from my " account '' for reasons that I'm not aware of ( there are no automatic withdrawals associated with the account ). I haven't received any of my money as of this writing on XX/XX/2018. 

When I closed my account I read of a plethora of problems of Capital One not refunding people 's secured credit card money, so I am writing to you in the hopes that I can recoup the money that's mine. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is violating my rights and will not process my dispute. Experian is willfully negligent. They emailed me to tell me that will not process my dispute. All identification was sent properly. These erroneous items are defaming my character and hinder my family
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Equifax about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? Please update and correct my account right away. 

XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/24 Nordstrom Rack reported to XXXX, XXXX, and XXXX a 1 time late payment and my score decreased XXXX points with XXXX, XXXX points with XXXX, and XXXX points with XXXX. This was a big hit on my credit score. In XXXX, several of my creditors rechecked my credit score and as a result my account balances have been lowered on the following accounts : XXXX XXXX, Nordstrom Rack, and XXXX. Then my credit took another hit with each creditor because my credit limits decreased.
Product: Debt collection

Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. They are calling my friends. I have no idea how they are getting their numbers. Called several times over the past week from XXXX, XXXX and XXXX. My friends have repeatedly asked them to stop calling. I have asked them to stop calling me yet they continue to call.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiry listed on my credit report, which is fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, this inquiry remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with this inquiry and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. 
It is essential to note that the fraudulent nature of this inquiry has been confirmed by the respective institutions, and they have assured me that this inquiry was erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed this unauthorized inquiry from their records. Therefore, I am perplexed and concerned by your bureau 's continued reporting of this fraudulent inquiry. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with XXXX XXXX many times concerning this matter.I have spoke with the XXXX  fraud department many times concerning unauthorized inquires from XXXX XXXX XXXX that was placed on my Credit Report.I have asked XXXX to remove the unauthorized inquires from my report, but they refuse to do so, they told me that I need to speak with XXXX XXXX  about the inquires.Well I spoke with XXXX XXXX about the inquire which they are showing that I never had an account with them.They all so send a letter to XXXX  and myself showing that the those inquires need to be suppress from my XXXX Credit Report.I have resent the letter that send to me but XXXX  still refuse to remove them from my XXXX   Credit Report which is outrageous that XXXX  is allowed to do this which can harm people lively hood and creditably on their jobs.I will be attaching the letter that was send for verification to all three credit Reporting Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for credit and was denied because of things on my credit. After I looked on my credit report, I saw things that don't belong to me. US DEPT ED, DPT ED/XXXX, XXXX XXXX XXXX XXXX. I have already contacted FTC and the local police department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've submitted disputes with the  XXXX  national credit reporting agencies (   XXXX   XXXX   and TransUnion  )  concerning (  XXXX   XXXX   XXXX   XXXX   XXXX  and to no avail. Each time a dispute is submitted with the  XXXX  bureau  ( s ), I  'm notified by my own ( not the credit bureau (  s )  credit monitoring alerts, a general " Meet FCRA requirements '' note without details to the reasoning of their conclusion with the investigations.  XXXX  has made attempts to request that this item be deleted as well, please see the attached document dated  XXXX   XXXX ,  2017. T he credit bureaus are making it extremely difficult by refusing to delete and not giving me a valid reason as to why. This has hurt my credit report an d credit score trem endously by making appear more at risk to lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Equifax mailed me a document stating that the fraudulent inquiries were removed however instead of removing them, the duplicated the inquiries. This against the law and my consumer rights.
Product: Debt collection

After my contract expired, XXXX began increasing the subscription fee. I contacted them to cancel my subscription, but due to my payments being set to AutoPay, they wrongfully continue charging me additional amounts. At the time of expiration, I was paying {$60.00} per month, but they continued increasing the charges month after month until it reached {$120.00}, despite my cancellation request. Now, they claim that I owe them {$54.00}, which is incorrect, and moreover, they sent the amount to collection, with Eastern Account System of CT. Thank you for your help. XXXX XXXX
Product: Credit card

1 ) I have a TD Bank Charge card ending in # XXXX. I always pay my account in full each month. I received my XXXX statement for {$470.00}. A check was mailed for payment on XX/XX/23. It was due by XX/XX/23 XXXX XXXX XXXX. I always mail out bills XXXX of month as I receive my XXXX checks on the last day of the month. Check was not cashed until Monday XX/XX/23. I received a late fee {$29.00} and interest fee {$6.00}, and this started a chain reaction of problems. See attached XXXX statement showing same. 

2 ) I contacted TD Bank on XX/XX/23 and spoke with XXXX. A charming young lady who assured me not to worry. Fees would all be taken off bill, I was an excellent customer! 
She said it might take two payment cycles not to worry. My credit score then was over XXXX!! 

3 ) The late fee only of {$29.00} was removed in XXXX statement. See attached statement. 
But now bill had somehow gone up to {$43.00}. I called and spoke with XXXX on XX/XX/23 another very nice customer representative. She stated that she had figured out the XXXX XXXX, not to worry again this would all be corrected!! 

4 ) See XXXX statement! Bill was now {$83.00}. I also received a letter dated XXXX from TD Bank stating my {$16000.00} line of credit had been lowered to {$500.00} and my credit score was now XXXX!! See attached. I immediately called TD Bank on XX/XX/23 when I received this XXXX statement and by chance got XXXX. She remembered me, could not believe how screwed up this was and put me thru to XXXX in customer service. XXXX also stated she was surprised at how screwed up this had gotten, and she would talk to her supervisor and get this corrected. I was put on hold for XXXX minutes. XXXX got back on the phone and said supervisor insisted I pay at least 1 of the late fees to correct the problem. I refused and asked to speak with the supervisor. After a long hold on the phone again I was disconnected. I called back and asked to again speak to a supervisor and was told phones were not working properly at this time and to call back another day! 

5 ) My XXXX statement is now {$120.00}. I tried to speak with a supervisor and have called this is RIDICULOUS!! 

6 ) SOLUTION!! 
I always liked TD Bank. Never had a problem till now. Please have them REMOVE all Fees and late Charges. Contact credit agency and restore my good credit. My credit score right now is XXXX!!! Also reinstate my {$16000.00} line of credit and issue me a new charge card!! 

Thank You! 

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

According to the FRCA, it is a violation of a conSumers rights to share a credit report without their knowledge! WHY XXXX XXXX  XXXX XXXX  do I have 24 inquiries on my report?!?
Product: Credit reporting, credit repair services, or other personal consumer reports

I written all three credit reporting agencies to complain about inquiries that have been placed on my credit file without my knowledge or consent, Either written, implied, or authorized I have requested all the accounts be verified by the agencies under the ( FCRA ) guidelines I ask them to show proof of and and all signed contracts, with my wet ink signature ... .. 
My second letter was to inform the agencies that they didnt do their due diligence in trying to properly verify the validity of these fraudulent inquiries if they were assisted by a computer programming system instead of actually, Physically seeking the truth in this matter I was never shown any original documents barring my wet ink signature Or any signed documents of proof.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX Balance : {$58.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been going back and forth with this company about a inacurate bankruptcy being reported on my credit report in which they lied and said they verified it trough XXXX XXXX Thats not true because i reached out to XXXX XXXX and its not reporting on my report i also reached out to the court and they said they dont report such information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 Experian received notice ( see attached certified mail/return receipt ) for document copies from their files regarding inaccurate items in my credit files ; pursuant to FCRA, 15 U.S.C. Subsection 168 1g. It has now been more than 90 days. Not all items have been removed pursuant to the law nor have I received any supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters in XXXX, XXXX, XXXX, XXXX and XXXX related to inconsistencies with accounts on my credit report to Expereian, XXXX and XXXX. 
I communicated that I do not own those accounts on my report but they keep sending me letters about confirming that I sent the letters. I sent the letters with a copy of drivers license and Social Security Card. Please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax declines to delete/remove the inaccurate and false account in my file ... there is no contract and the bureaus will not provide me with the verifier or any proof of validation ... this account was settled with XXXX XXXX ( Original Creditor ) this is the very reason why XXXX has removed it ... the account has now been given or sold to XXXX XXXX ( Opened XX/XX/2018 ) This is an outright and unjust violation of F.C.R.A. law and litigation may follow ... 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a  consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately.
Product: Mortgage

I purchased a house its XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/2024 from a Estate of XXXX XXXX XXXX XXXX XXXX records, tax probate case number XXXX DE as up on closing it was a previous water bill Balance of {$1200.00} account number XXXX XXXX that belongs XXXX XXXX XXXX XXXX current resident XXXX XXXXXXXX XXXX XXXXXXXX XXXX Michigan XXXX. XXXX XXXX is now deceased and Core title states that they are wanting XXXX XXXX XXXX XXXX investments XXXX XXXX XXXX to cover the previous water bill. I am not responsible for covering a previous water bill that someone else owed they took the money out of my escrow account Core title company told me if I get a real estate closing document that everything will be completed and closed out and prove that I was the previous owner from XX/XX/2024 to XX/XX/2024. My part of the water bill was paid in full. I sold the house now Core title is saying I need to discuss this matter with the city of XXXX water and sewer department. Thank you, XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XXXX transferred my mortgage account to another lender. It reported to credit agencies that the account was closed. XXXX did not indicate that it closed the account because its OWN DECISION. 

Equifax reported that XXXX closed the account and that my : Balance Decreased by {$390000.00}. EQUIFAX LOWERED MY CREDIT SCORE BY XXXX POINTS! 

On XX/XX/2019, I filed a complaint with CFPB ID : XXXX. 

On XX/XX/2019, Equifax responded : " We have researched the credit account. Account # XXXX The results are : Accounts reporting as transferred or sold are considered closed. This account is currently reporting paid as agreed, with no late payments. '' However, Equifax DID NOT add those points by to my score!
Product: Credit reporting

I REQUEST MY FREE ANNUAL CREDIT REPORT FROM WWW.ANNUALCREDITREPORT.COM AND I PUT ALL MY INFORMATION AND AT THE FINAL STEP WHEN I DESIRE VIEW AND PRINT IT THE PAGE DID NOT GIVE NOTHING, I ENTER AGAIN AND THEY SAID ME THAT I ALREADY HAVE RECEIVED MY CREDIT REPORT AND NOW I SHOULD BE PAID FOR A COPY. 
PLEASE, HELP ME
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a deposit of XXXX was received on my card. On XX/XX/2021 I electronically transferred this amount to my bank acct. On XX/XX/XXXX I received a deposit of {$690.00} and also electronically transferred to my bank account. I was charged XXXX per transaction and it showed the deposit cleared from the card with confirmation numbers. After 2 weeks the money did not show in my account. I called Way2Go. XXXX bank and conduit. Conduit confirmed the routing and acct number was correct and said that NV Unemployment does not allow bank deposits, but the money would be returned to the card within 10 days. I checked with NV unemployment they stated this was not true and would escalate to a supervisor. In turn conduit sent me a dispute form to see what happened. The dispute form was returned to them on XX/XX/2021. To date the funds have not been deposited to my account nor returned to the card and no one is returning phone calls or my inquiries nor can tell me where the funds are.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports