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

In 2020, a collections agency contacted me about an account they purchased from XXXX XXXX XXXX. I submitted numerous documents to prove that XXXX XXXX XXXX was illegally withholding my deposit and charging me {$3000.00} for a penalty, claiming I broke my lease and did not provide them with written notice that I would be vacating the apartment at the end of the lease which was almost 2 months later. They included charges for items I documented on the move-in sheet that they never fixed. I tried to work with the local office, the collection agency, an attorney, XXXX, and the 3 credit reporting agencies. Their excuses run rampant, and I can no longer access the many maintenance requests etc. as the company uses a resident portal that I no longer have access to. I submitted over 30 pictures and documents to Fair Collection and Outsourcing, and they returned a response of " XXXX XXXX said their information is valid ''. 

This is the only negative account on my credit report, and after researching, I've discovered that this company has been sued multiple times in multiple states and even investigated by news organizations for their illegal business practices. I can not prove that I handed the written notice to the employee behind the desk because I did not know anything like this would happen. Please tell me there is something I can do to have this removed from my credit report and any way that I can help in protecting other consumers from this company.
Product: Credit card or prepaid card

I applied a payment of {$1500.00} in good faith on XX/XX/XXXX towards my PenFed credit card because of a 0 % interest charge set to expire on XX/XX/XXXX of {$1400.00} Pen Fed took it upon themselves and applied {$450.00} to that amount that I wanted to pay in full ( because that's how payments usually work to my knowledge oldest balance paid first ) and the other {$1000.00} to a more recent balance that also had 0 % promo they offered me. SO instead of being free and clear of the amount that was subject to an 18 % interest rate They applied {$450.00} to the {$1400.00} and say I STILL owe {$960.00} that now they are charging 18 % interest on that amount. I have found this out on XX/XX/XXXX I called and they said I had to apply one payment wait a day and apply a separate payment for it to pay the oldest balance first. WHY have I never read or seen such difficult processes to pay off balances owed. On top of that... I've been out of work the last 9 months and they didn't care when I told them that I borrowed that initial payment money from someone who I now have to figure out how I'm going pay back on top of how deceitful PENFED had been because now they are charging me Money on an amount that should have been paid in full. I spoke to a manager who just said it is what it is. I feel lied to and wronged as a consumer. This is very deceitful and now I'm afraid to make payments because they do what they want with the amount. I usually read the Terms and Conditions and don't recall this put into wording that consumers can understand. They are making money off of this by charging me interest that should never been billed to me ... on top of that I'm still waiting for an updated statement to see how/where XXXX payment was applied...
Product: Debt collection

I closed my XXXX XXXX account due to fraudulent activities. I paid full outstanding balance {$720.00} to XXXX on XX/XX/XXXX over the several days of verifications. 
Yet they filed a delinquency on my credit report and hired a debt collector for {$100.00}, which they can not provide an invoice. 

My credit rating went below XXXX for derogatory marks and I can not resolve this with XXXX because I'm no longer their customer. Despite the multiple attemtps, XXXX is incapable of handing my accounts. I've suffered from crucial loss because my refinance efforts are rejected for low FICO score. As such, I demand punitive damage, a quick resolution, and restoration of my credit report. 

========================================================== Please see below for my dispute effort summary : Note there was fraudulent charge on my XXXX account for their lack of security measures. I suffered losing my phone service and number for many days. On XX/XX/XXXX I made a request to XXXX XXXX  ( debt collector ) and XXXX for payment verification but I have not heard anything except to wait XX/XX/XXXX. Not only I had to wait XXXX month for the payment verification, this collection appeared on my credit report driving down my XXXX score to XXXX. It made damages on my personal finance as I can not get a new credit. This incident was filed for CFPB complaint on XX/XX/XXXX ( Complaint ID XXXX ) On XX/XX/XXXX, XXXX ( Reference # : XXXX ) reached me for what it seems the duplicate debt collection. The below is their contact. I demand XXXX to discharge false debt collection claim immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX www.credit-control.com This incident was filed for CFPB complaint on XX/XX/XXXX ( Complaint ID XXXX, XXXX ) On XX/XX/XXXX, I made a file to Federal Trade Commission ( Report number : XXXX ) yet my credit history is not restored. 

On XX/XX/XXXX, I made a dispute with XXXX on collection record. 
On XX/XX/XXXX, I made a dispute with XXXX on collection record. 
On XX/XX/XXXX, I reached out to Diversified Adjustment for bill clarification. 
On XX/XX/XXXX, I filed another complain to Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed Bankruptcy for more than 10 years now, and it still shows that I still have a bankruptcy on my record. That's the reason I can't get a higher score until now. I've been paying all my credit cards and still shows a low score. I don't even get a credit card on some department stores until now. 

Sincerely yours, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices which violated the consumer financial protection act ( CFPA ) Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E these actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$620.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE ACCCOUNTS, INQUIRIES AND ADDRESSES ON MY REPORT THAT ARE NOT MINE. ACCOUNTS : XXXX XXXX  {$150.00} XX/XX/2021. XXXX {$300.00} XX/XX/2021. XXXX {$2000.00} XX/XX/2021. XXXX  XXXX XXXX {$330.00} XX/XX/2021. XXXX XXXX XXXX {$2600.00} XX/XX/2021. INQUIRIES : XXXX. ADDRESSES : XXXX XXXX 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: Mortgage

I am XXXX and I am in XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX. I got behind on my payments due to medication cost, but I still kept paying my mortgage, I tried to bring current but was unable to, I am not asking for a modification which they are trying to give me but I have been denied several times, I want a temporary suspension of payments, I can bring my acct current with help. I have the paychecks to do this, I just cant do all at one time. Please I am asking for help and I have begged and begged, I am XXXX XXXX XXXX XXXX XXXX I have sent proof of this to SLS, but they refuse to help me. I didnt ask to be XXXX and XXXX XXXX, but I am proof sent, I have a family a wife and daughters who will inherit my house XXXX XXXX XXXX. My wife will also get XXXX dollar life insurance policy to help with any problems, please I am asking SLS / XXXX XXXX to help me please stop foreclosure let me start making my payments again and get this behind me before XXXX XXXX. Please help me, please stop foreclosure, please help me bring my account current. I am a XXXX year old XXXX veteran. I am asking for help, please please
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. 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 XXXXXXXX XXXX XXXXXXXX, NCXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$2100.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$810.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$6000.00} XXXX XXXX Balance : {$460.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2100.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$810.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX Balance : {$460.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5000.00} XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TSI claims I made a payment to them on a loan they are allegedly servicing but have never verified, nor has the original owner XXXX XXXX XXXX verified/identified TSI as the loan servicer. On top of this TSI claims I made a payment on my credit report on XX/XX/XXXX, which is impossible as I was not aware of this entity until XX/XX/XXXX when they filed a collections claim on my credit report without ever contacting me ever in the past, though they also allege on my credit report to have been servicing the loan I had with XXXX since XX/XX/XXXX, outrageous since XXXX told me on phone conversation in XX/XX/XXXX that they did not know of any account in my name or with my social security number, which means they lied to me because on XX/XX/XXXX they now were able to find my loan.
Product: Checking or savings account

My Bank of America account was accessed at on XX/XX/2021 XXXX The transaction posted on XX/XX/XXXX ) {$240.00} was illegally taken from my account at the XXXX XXXX in XXXX. I reported it to Bank of America as soon as I became aware of the loss. They denied my claim ( They stated : " We made this decision because : The charge was authorized by you or by someone who has permission to use the card or account. '' ) Let me be clear, I did not make this charge nor did I authorize anyone to make this charge at XXXX XXXX. 
XXXX Bank of America Claim # XXXX XXXX When they took this {$240.00} it emptied my bank account and then when legitimate bills were paid the bank assessed several overdraft fees. 

My Bank of America account was accessed a second time on XXXX XXXX XXXX This transaction posted on XX/XX/XXXX XXXX This time {$220.00} was taken. The Thief again accessed my account at a XXXX XXXX, this time they use the branch in XXXX. I reported it to Bank of America as soon as I became aware of the loss. They denied my claim ( They stated : " We made this decision because : The charge was authorized by you or by someone who has permission to use the card or account. '' ) Let me be clear, I did not make this charge nor did I authorize anyone to make this charge at XXXX XXXX. 
XXXX Bank of America Claim # XXXX ) When I spoke to a representative at the bank they said they contacted XXXX XXXX on the first claim but XXXX XXXX did not respond. There is no way they can legitimately arrive a the conclusion that I or anyone I authorized made these charges as they claim. Again, let me be clear - both of these were thefts - I did not make these charges nor did authorize anyone to make this charge at XXXX XXXX. 

I have made a report for fraud and Identity theft with the XXXX Police Department - File Number XXXX
Product: Credit card

CitiCard credit card closes inactive credit card accounts without advance notice, damaging consumers ' credit ratings. 

My wife and I have been a Citi AAdvantage cardholders for more than five years. Last XXXX CitiCard arbitrarily cancelled my account with no advance notice. I called immediately, and the representative cited account inactivity as the reason. I asked the representative to reactivate my account, but he insisted that I would need to apply for a new card. Worse, the new application would require pulling a credit report. This week CitiGroup did the same thing to my wife, giving the same excuse and requiring her to apply for a new card. 

CitiGroup 's arbitrary no-notice cancelation practice impairs consumer credit ratings in multiple ways : It increases credit utilization. I had earned a {$50000.00} Citi AAdvantage credit line, and my wife {$19000.00}, so the impact was significant. 
Requiring a new card instead of reactivating the prior account reduces the average length of time cardholder accounts have been open. 
Pulling a credit report further depresses a consumer 's credit rating. 

Over five decades as credit card holders, my wife and I have never missed a payment. We have earned stellar XXXX credit scores. We use auto-pay, so CitiCard incurs no statement printing or mailing costs for our accounts. What does CitiCard gain by terminating and alienating us? 

CitiCard has our e-mail address, snail-mail address and phone number. Why not contact us before canceling our cards instead of afterward?
Product: Debt collection

Collection agency is listed on my credit report for a cable bill I do not owe.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized inquiries on my credit report as a victim of a recent data breach. Pursuant to FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), please block and delete the following fraudulent inquiries from my credit file : Unauthorized Inquiries to be Deleted : XXXX XXXX XXXX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX Inquiry Date : XX/XX/year>
Product: Checking or savings account

On XX/XX/23 First Tech sent an email freezing my new checking account after I made a paycheck deposit on line with a check from my employer for {$1100.00}. There email said my account was suspect to fraud. Ive had no issues depositing at my other banks. The account with First Tech had been open about a month and I was going to transfer other funds and glad I did not yet do that. I called customer service to try and have them verify my identity which they did and reverified the check deposit I made. The representative told me that I would have to wait to get this unfrozen and it could take days. I have no access to my account or the money. It seems like the bank instantly jumped to conclusions on a paycheck and is deliberately holding funds. This was not a personal check. Its a check from a large employer.
Product: Checking or savings account

I deposited via certified mail, four money orders of {$500.00} each. As ordered that I do so as the only way to deposit money orders in Ally Bank by a message from the bank. Total {$2000.00}. They were marked as deposited on XX/XX/XXXX  at XXXX. Then they were marked as " check paid '' at XXXX. In other words they were taken out of my account against my will. 

I have called four times to XXXX. On XX/XX/XXXX and XXXX. Spoke to XXXX after he put me on hold for 42 minutes to " check '' with someone. He told me the funds would be returned to my account on that day. They were not. 

Then I spoke to XXXX on XX/XX/XXXX at XXXX ( was put on hold while she " checked '' and subsequently disconnected after 30 minutes ) and then with XXXX XXXX XXXX on that same day. XXXX told me that they were " checking on it '' " they '' would get back to me. I called again on XX/XX/XXXX and spoke with XXXX at XXXX. He again " checked '' and told me someone would contact me. I have heard nothing since and am very distressed to know what happened to my {$2000.00}. Nobody at this bank can tell me. There is no " supervisor '' to talk with to help get this resolved. I am an infirm XXXX  citizen and this is making me lose sleep from the stress. I dont see any alternative but to try to lodge a complaint to get my money.` Please help me. I have to pay my bills with this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Regional Finance Corporation located at XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Wisconsin XXXX XXXX is reporting debt information TWICE on my credit report ACCOUNT NUMBER XXXX which is illegal and violation of the FCRA.Also reporting this debt is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Minnesota XXXXThis is illegal and should be removed from my credit reports from all 3 credit bureaus from the original creditor thank u.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX refuses to stop reporting. They are removed from XXXX. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine. 


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

XXXX XXXX-XXXX XXXX was the original account holder. I took a payment into the store ; when they were still open, and they said their computers were down and took the check. They applied the payment at a later date and all of a sudden I owed them almost twice what I originally owed. I paid the balance of what I originally owed them, and they continued to collect on the account although they had no proof that I owed them anything more. 

Since they knew that I did not owe them more, and could not collect anything else from me they began selling the debt to other companies, and when they needed to prove I owed them, they would pull it back, and re-sell it. I filed a complaint with Missouri Attorney General 's Office, they waited and then sold it to XXXX XXXX. That is why there is no a/c number listed because it is not a valid account. 

I have never had an account charged off by XXXX XXXX, they bought this erroneous account from a bank that was selling debts that were not owed to them.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Transunion and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX, Transunion and XXXX consistently responds within 24 hours stating that the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX, Transunion and XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that Ive marked as inaccurate : 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

My strawman has been involuntarily made OBLIGOR  and debtor to a personal loan I don't have an expressed written agreement for. It's being reported on my credit report as a personal loan and is in my research.. this is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were opened fraudulent and would like them removed from my TransUnion credit report. The accounts are listed below. 

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance {$0.00} Date Updated XX/XX/XXXX Payment Received {$8.00} Last Payment Made XX/XX/XXXX High Balance {$8.00} Credit Limit {$750.00} Pay Status Paid, Closed ; was Paid as agreed Terms Paid Monthly Date Closed XX/XX/XXXX Date Paid XX/XX/XXXX XXXX  Account closed at consumer 's request ; CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CHARGE ACCOUNT Balance {$0.00} Date Updated XX/XX/XXXX Payment Received {$0.00} High Balance {$0.00} Credit Limit {$1500.00} Pay Status Current XXXX Paid or Paying as Agreed Terms Paid Monthly