23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX obtained copy of my credit report.it shows National Credit Systems ( NCS ) balance of {$3200.00} owed to XXXX XXXX, opened XX/XX/XXXX. 
I owe no such debt! in fact, I have legal settlement agreement from XX/XX/XXXX with XXXX apts showing no money is owed and the matter was completely closed. how NCS claims such info is beyond me. 
they refuse to provided any records or explanation for the alleged charges they continue to verify and report to the credit bureaus.. they argue, threaten and demand payment. the account shows like it is new so I have been denied a home loan. this is the only negative account on my credit report. I notified XXXX of the situation and they said they no longer have the acct or records. I can not afford an attorney to fight this. please help.
Product: Credit reporting or other personal consumer reports

In 9accordance to the fair reporting credit act these Creditors have violated my rights. Under 15usc-1581sectiom 602, states I have the right to privacy. Under 15usc a consumer reporting agency can not furnace an account without my written permission or instructions a credit or may not treat a account or plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX  and all payments were placed on XXXX. 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 my 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 in those account 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 XXXX days before the payment due date. 


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 XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Rozlin Financial Group , Inc. ( RFGI ) has been harassing me for a " debt collection '' that I never entered into with their client, XXXX XXXX. I made a direct Credit Card purchase with XXXX XXXX via their online store. I purchased with my approved credit card, and XXXX XXXX sent me my products. I thought the transaction was concluded. Almost eleven months later, I was contacted by XXXX XXXX, who indicated that through their internal process failings, they never completed the merchant services transaction. As such, they want me to pay for the products again, which sounds to me like I was expected to pay for my products twice. I refused to pay because if they had internal issues in which they neglected to complete the transaction, this was their issue, not mine. I did nothing wrong in this transaction as I considered this transaction paid in full eleven months prior. One should ask why XXXX XXXX shipped the product ( s ) when the transaction was incomplete. Plus, I could not confirm the transaction on my end as the card used was long closed. XXXX XXXX sent me to credit collections even though I never entered into a credit agreement with XXXX XXXX, and my collection was sold to Rozlin Financial Group , Inc. ( RFGI ). RFGI has been harassing me via telephone calls and threatening emails to pay for a debt that was never a debt in the first place. I have requested that RFGI only communicate in writing with me and stop harassing me otherwise. I have also requested RFGI to provide me written proof of a signed contract with me and XXXX XXXX for a line of credit for receiving their products.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, my bank, XXXX XXXX XXXX XXXX, forwarded a check to Silicon Valley Bank, via my Bill Payer request, for the purpose of paying my XXXX credit card payment in the amount of {$75.00}. When I called XXXX, XXXX. to confirm whether or not they had, in fact, received my payment, I was told that the Silicon Valley Bank was not the bank that handles their credit card accounts, but instead my payment should have gone to XXXX XXXX. Upon being apprised of the error I immediately contacted Silicon Valley Bank, spoke with Ms. XXXX XXXX, and explained the issue with regard to them receiving the check in error. I then contacted my bank ( XXXX XXXX ) and spoke with XXXX XXXX ( with Ms. XXXX on the conference call ) and tried to resolve the matter ; I wanted to know why Silicon Valley Bank cashed the check that was obviously sent in error, where were the funds applied considering there is no account for me and/or XXXX XXXX. at that bank, and why wasn't the check simply returned back to XXXX XXXX. As of this writing I still have not received an explanation as to where my money is, and why it can't be resolved. I'm inclined to believe that Silicon Valley Bank is complicit in some type of unscrupulous and unethical financial scam ; for surely this matter should have been resolved immediately after speaking with a representative from XXXX XXXX. Therefore, it would be immensely appreciated if someone from this agency could intervene on my behalf and find out why this happened and when will I get my funds back in my checking account. I am a XXXX XXXX XXXX veteran who is afflicted with an array of XXXX  as well as XXXX issues. This situation has caused me a tremendous degree of XXXX XXXX   and XXXX. Further, because of Silicon Valley 's negligence and failure to return the erroneously-sent XXXX payment, I had to, in effect, pay the bill twice ; which created another financially burdensome situation for me. If you have any further questions with regard to this matter please contact me @ ( XXXX ) XXXX or email me at XXXX. Again, thank you in advance for your time and cooperation in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXXXXXX****-Balance {$200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance {$300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX-Balance {$720.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****-Balance {$380.00}
Product: Debt collection

XXXX XXXX XXXX violation while in dispute reported to CRA 's Second you stated cease and desist was'nt myself, Request for information you refuse I do not enter in to any contract or agreement with out documentation you state you refuse to respond, Freedonm of information act states I can receive the documents s >NO DOCUMENTS NO CONTRACT Ten days to respond to all questions stated in these documents sent by way of CFPB I request you contact through the CFPB your response to this, If documents Mailed I request certified number of pages and tracking number
Product: Checking or savings account

On XX/XX/XXXX SoFi bank randomly froze my account. I called them back they requested some information and said that I will get a call back. I called on XX/XX/XXXX and never heard anything back. I called them again and they said they were still waiting for a XXXX to look over the information. I am unable to move any money or use any money in my checking and savings and i need that money to survive and eat. its all i have.
Product: Credit card or prepaid card

I opened a credit card with FNBO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with promotion mid XX/XX/2022, of taking off the purchased ticket price from {$100.00} promotional credit on my bill. I do not see that on my bill. Second, they did specify {$99.00} annual fee. But I was chocked that they charged me {$99.00} already, I am just a month old from opening the acct. Normally, credit cards would charge their annual fees '' XXXX year after the date it was opened '' - that is why its called '' annual fee ''. I did not see in the terms that it will be charged on the first billing cycle. This is just so UNFAIR. In XXXX reviews of this company, there were so many complaints, and I dont get it why this company has an XXXX  rating from XXXX  .... I share the same sentiments of others that we feel we are scammed ... .this HAS TO STOP. " PLEASE '. XXXX I wanted : To remove my {$99.00} annual fee charge ; XXXX ) to give me the promotional credit of {$100.00} to my bill. XXXX ) Once everything is straightened out, I would like to close my account.
Product: Credit card or prepaid card

My pay pal account was hacked by a developer who I asked to make me an app. They asked for so many credentials to use for the development of the app and pay pal was used to receive payments. However they used my pay pal account to make A lot of transaction, and changed my password. First transaction was on XX/XX/XXXX for {$1800.00}, seconds was XX/XX/XXXX for {$990.00}, third was XX/XX/XXXX for {$870.00}, fourth was XX/XX/XXXX for {$1000.00}, fifth was on XX/XX/XXXX for {$870.00}. The first 3 transactions were done more than 6 months ago so I couldnt dispute with pay pal but i did with my credit card provider. I called pay pal after they declined my case as I didnt receive any items. They refused to help and told me to contact the credit card provider. So I did and put a claim on the fraudulent transactions. Still waiting for results because they wont refund anything until 6 months of investigation has passed.
Product: Money transfer, virtual currency, or money service

Date XX/XX/2023 ( XXXX XXXX XXXX XXXXXXXX ) My Paypal business account suddenly got banned without any reason or explanation I'm using paypal for my small business and I'm asking CFPB to help me with my case with Paypal Thank you very much
Product: Student loan

I am an XXXX veteran and was induced by XXXX to take out a private loan from Mary Mae while they waited for my GI bill funds to come in. I was pressured and given no other options, and I was never refunded anything from the school once the GI bill funds did come in. The loan has an incredibly high interest rate of 14.99 %. I have always made my payments, but I was defrauded and stolen from, likely by the school but potentially by Mary Mae as well, it is unclear. Mary Mae 's website changes all of the time, and I am not able to get in contact with anyone to discuss the loan or its terms. I continue to make {$170.00} payments a month, with {$1300.00} left on the loan, but it would relieve a great burden on my family to stop making these payments or see some other resolution of this issue. I can not afford what it would cost to attempt to take legal action on my own. I want this amount forgiven, or at least the loan payments reduced substantially.
Product: Credit reporting

I tried loading my Equifax report via www.annualcreditreport.com, and the link to access my annual credit report did not work. I tried refreshing it and it would not let me access it, saying I had already received my free annual credit report from Equifax. I tried to follow up with XXXX and had the same thing happen. Please process this complaint ASAP, as I need these reports for an ongoing bankruptcy case already in progress.
Product: Credit reporting or other personal consumer reports

FRAUD ACCOUNT BELOW : NOT MINE AND IS AFFECTING ALL THREE MAJOR CREDIT BUREAUS. I WILL FILE LITIGATION IF THIS IS NOT THROUGHLY BE TAKEN OFF. 


Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$19.00}, XXXX written off. {$19.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$19000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$64000.00} Highest balance - Terms 72 Months On record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please update these following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I had 2 hard inquiries that I did not do. I think someone may have my information which I hope not.
Product: Debt collection

I received the letter dated XX/XX/XXXX, from XXXX XXXX XXXX XXXX XXXX regarding my current Creditor CACH , LLC in the amount of $ XXXX never have creditor CACH LLC, and the balance was a charge off on XX/XX/XXXX.
Product: Checking or savings account

My account as been restricted since XXXX I have sent in multiple Security appeal forms I have went to the branch multiple times I have also sat with the branch manager who advised me to call security. this process as taken way too long and my funds have not been available to me and I have things to take care of.
Product: Money transfer, virtual currency, or money service

ACI FAILED TO REFUND 3 FRAUD INDUCED TRANSFERS XXXX IS DENYING CLAIM FOR {$2300.00}. THEY ARE VIOLATING THE DODD FRANK ACT.
Product: Credit reporting or other personal consumer reports

Our mortgage lender ( XXXX XXXX XXXX XXXX ) began putting our payments into another unknown account at some point. We didnt know until we started the process to sell the house and were told we were in default and going into foreclosure after not paying for several months. We asked them how it is possible. 
No one knew anything. Finally we were told they could see our payments were made, but they went into another account and did not count toward our mortgage. We called many, many times, and no one could tell us the account the monies went to, why that happened, and they would not track it and apply it to our loan. They stole many payments and refused to give it back and we ended up paying considerably more for our house to sell than we bought it for XXXX years prior because we had to pay them the money that they had already confessed to taking but couldnt find. Our credit has suffered, they refuse to remove it from our reports, and no lender will give us a mortgage. My family has suffered immensely for over a year and a half and my family struggles have made it so we have gotten to point of separating the family. We cant be the only ones they did this to, but after all the fighting and praying, we know that our government has no rules in place with regard to mortgage companies stealing and harming consumers. We have gone through the process of disputes, but the bureaus just say the same thing, that XXXX says they are right. Thats all. No investigation, no questions. Why dispute anything at all?
Product: Debt collection

I received a letter mailed to me dated for XX/XX/2020 and received it XX/XX/2020. Their website claims I owe {$400.00} to XXXX XXXX XXXX, but I have never opened an account with this bank or taken out a loan with them. Radius Global Solutions LLC are asking me to send in a payment online, by phone or even by mail. I have tried contacting them, but none of their offices or phone lines are available due to COVID-19.
Product: Checking or savings account

Someone stole my identity and withdrew all the money in my account and wrote bad checks and cashed them witch left me with a negative balance. When I found out a lot of transactions that were made that wasnt from me was happening I called the bank and told them what was wrong and they went over which transactions that I was stating that I did not make and they pulled them up. Bank rep tells me theyll open up an investigation and I had nothing to worry about and these things happen all the time and that they will freeze the account and told me to open a new account so I can put my money in a new safe account ... weeks go by and suddenly I go to deposit my checks I. The account and the very next day I go to check my account all my funds were gone and I called the bank and they said that they had taken all the funds because I owe the bank money cause the frozen account was negative and that the freeze on the account was taken off cause the investigation was done and the had came to believe that I had made all the transactions myself and not someone else ... Ive asked them how they can let this happen, how can they allow someone pretending to be me go inside their office and withdrawal such large sums of money and clearing it so fast and how they did not catch the sudden change of account activity in this short of a time that does not match my normal transaction activities. Their response were they dont know and every question I asked them I was told they dont have a answer to the questions and theres nothing they can do about it and theres no one else I can speak to to resolve the situation. Representative told me I can not recover the money that was taken from me and I still owe them more money and that I have to setup payment arrangements with collections. Makes no sense to me how the bank who I trusted and banked with over 20 years can have me believe and reassured me that they will look into the situation and That I would get my hard working money back would turn around and accuse me of being a criminal. Me being a victim of fraud or ID theft to being a criminal does not fit me well. Shame on XXXX  XXXX  XXXX for treating their loyal customers like criminals. I was tricked by the bank to open a new account and deposit my checks and that it would be safe.for the bank to just abuse my trust and just go into my account and just take all the money I had just deposited. Theres not just one thief that stole from me but two!!!  which first is a criminal and second is XXXX  XXXX  XXXX