23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I noticed a debt was furnished upon my consumer report, from XXXX XXXX through a third-party debt collector ( Southwest credit systems XXXX XXXX which is sharing and selling my personal information without my consent, this is defamation of my character and also goes against federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX - XXXX XXXX/XXXX - On XX/XX/XXXX, I settled this account through XXXX XXXX XXXX. The account is paid in full and is closed. The charge off for XXXX XXXX has not been updated. I contacted Experian on XX/XX/XXXX, opened disputes, and sent the settlement letter from XXXX XXXX XXXX by mail on XX/XX/XXXX. I spoke with a representative on XX/XX/XXXX from Experian and they stated that they are unable to update the chargeoff as Paid. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I would like for Experian to remove the tradeline. If they are unable to, I would like for Experian to report that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the Settlement Letter from XXXX XXXX XXXX, XXXX Receipt regarding the mailing of documents, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.
Product: Credit reporting

I sent Experian several police reports as well as a legal settlement agreement between myself and   XXXX   XXXX   stating that all  XXXX  accounts must be removed from my credit file. The information was removed and now it has been re-reported/re-inserted. Additionally, there are more fraudulent inquiries on my credit report when Experian knows someone is using my information.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX account number XXXX. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to each credit bureau ( Experian, XXXX and XXXX ) on XX/XX/2023 regarding some inaccurate information reporting on my credit report. They are all reporting different information on the same accounts. None of the bureaus have responded and it is well passed the 45 day response period.
Product: Credit reporting or other personal consumer reports

I'm not complaining about any one company. My issue is the credit scoring models being used. EVERY reporting company has a different credit score. How is anyone to know what their Real score is? There should be ONE credit reporting company instead of 3. The credit score models need to be revised and rewritten. It's amazing how my score can increase one month and go down the next when i haven't missed any payments. In my opinion, these scoring models are to make consumers more confused and to make more money for greedy lending companies. 
I'm sure i'm not the only one frustrated with this.
Product: Money transfer, virtual currency, or money service

Unauthorized access to my Citibank checking and savings account on XX/XX/XXXX, XXXX ET. The unauthorized person changed the phone number of record to their number XXXX. One minute later XXXX was transferred from my checking account to an account at XXXX XXXX. 
If Citibank called to confirm the wire they did not reach me because they called the number that replaced my number. 
On XX/XX/XXXX I tried to call Citibank fraud department. I was on hold for hours. I hung up and went to the XXXX XXXX CA Citibank branch. There I was assisted in filling out an Affidavit of Unauthorized Online Wire Transfer. 
on the XXXX I called Citibank fraud department and they said they were going to research the claim. I should hear back from them within three weeks. I have not heard from Citibank. When I call the fraud department I am on hold for hours. 
I will continue to try on my end, but if you can assist me in any way I would be grateful.
Product: Debt collection

I paid my debt to Coast Professional on XX/XX/2023. I requested in writing to know what my current balance is with them after my payment in writing on the XXXX  and on XX/XX/2023 I made the same request by phone. I was told that they have ten days to send me the information in the mail. Today is XX/XX/XXXX and I still don't have it. I called them again today to ask for it and was given different information, which was that they don't need to send it to me by a specific date. I only want information from them that shows that I paid off my balance completely and that I owe them no more money. I've attached the document showing that I paid them, as well as the email where I ask for them to send me my account balance.
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRIES ; These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed.Also this as well.thansk accounts below have violated my rights 15 U.S.C 1681 section 602a 15U.S.C XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have reported on several occasions about the unknown inquiries and they were not validated or removed
Product: Credit reporting or other personal consumer reports

I requested a copy of my XXXX report, and a copy of my account data, and permanent deletion of my account
Product: Debt collection

After review of my credit report I found that LVNV is reporting an alleged debt of {$600.00}. I mailed two letters requesting further information on this debt and their authorization to collect. This company has ignored all of my requests. As of this moment I have not received any further correspondence from them.
Product: Credit card or prepaid card

I received a prepaid debit card in the mail from Square Inc. 
I never applied for or ordered this prepaid debit card account. 
I attempted to contact Square Inc. to inquire on how this account was opened under my name and they do not have a phone number where I can speak with a live person about my problem.
Product: Credit reporting 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. I am not reliable for any debt with any creditors. I do not have any contracts with any of these collection agencies nor is there any signed paperwork stating I owe them any debt. They did not provide any original paperwork stating this. Delete these accounts immediately! Accounts XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 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. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my second notice of these inaccurate accounts on my credit report. I have requested documentation to fully verify these items but have not received anything. Per the FCRA, these invalidated accounts need to be deleted from my report.
Product: Credit card

Citi Bank has repeatedly refused to increase credit limit on my Home Depot Card. I just realized that Citi Bank also owns the Best Buy card also. I understand now why Citi Bank has refused the limit increase requested to the Home Depot Card. The interest rate is higher for the Best Buy card, I don't use the Best Buy card as much, the Home Depot Card has much better benefits than that of the Best Buy card. Because Citi Bank keeps refusing to approve a credit limit increase to the Home Depot Card prevents me from utilizing the XXXX interest rate benefits. My Best Buy card has a much higher limit of {$4000.00} that can be used anywhere ( not just store card ). Citi Bank could simply split the {$4000.00} limit between the Home Depot and Best Buy cards. This would allow me to utilize the benefits of both accounts without the added risk. Citi Bank knows that I use the Home Depot Card much more often than the Best Buy card. It's more than obvious what Citi Bank is doing here and why they would continue to deny the requested increase on the Home Depot Card. This is just another way to take advantage of the consumer. There should be a law that prevents a bank from charging more interest on separate cards. If the bank owns more than one card of completely different stores all cards should have the same interest rates. Citi Bank is deliberately denying my request for the Home Depot Card increase to prevent me from utilizing the XXXX interest rates.
Product: Vehicle loan or lease

Class action lawsuit of XXXX XXXX has been filed against them. I received a cease and desist letter. Santander said Im obligated to continue paying the loan. They will not contact me if they do any repossessing of the car or if I fall behind on payments. I request for a full audit of my account never received it but payment history. My loan  expired on XX/XX/XXXX Im still paying for this vehicle. They have been reporting late payments on my credit report and I had file disputes. When Im paying more than whats due on bill. I am requesting payments I pay extra money to be place to principal they take whatever amount they want apply it to interest. Interest being charge everyday they is no grace period. On my payment history Im just being charged interest fees everyday not monthly payments. 
I Purchased vehicle at XXXX. Loan 72payments, ,60 payments  have been made, Purchase vehicle on XX/XX/XXXX, First payment XX/XX/XXXX, Balance of XX/XX/XXXX XXXX, 12 payments left on loan, Payment XXXX, Interest 26 %, Total Santander saying is due is  XXXX.
Product: Vehicle loan or lease

Entered agreement with XXXX and Wells Fargo XXXX XXXX to purchase XXXX XXXX XXXX. Upon review of the contractual documents and related disclosures I have discovered multiple violations of both federal and state law. Included but not limited to the following : 1. Failure to provide required material disclosures under the Truth in Lending Act ( TILA ), 15 U.S.C. 1602 ( v ) and Regulation Z.

2. Failure to provide a clear, conspicuous, and timely notice of my Right to Rescind. ( TILA ), 15 U.S.C. 1635 and Regulation Z.

3. Failure to furnish required Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802 privacy notices and opt-out instructions.

4. Fraudulent Omission by intentionally withholding material disclosures that would have altered my decision to enter the transaction.

5. Reckless Disregard for consumer protection laws by both XXXX and Wells Fargo, institutions that are sophisticated and obligated to comply with federal disclosure and privacy standards On XX/XX/XXXX I notified Wells Fargo representative " XXXX '' employee # XXXX via phone of these violations and reminded him of my right to rescind even when notice is not given and requested a confirmation of rescission compliance within 20 days. I also sent a written letter referencing the same.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Hello Sir/Madam, This is an attempt to finally stop the Collection company called National Credit Systems , Inc sending me collection bills that it's not mine. 
National Credit Systems , Inc XXXX XXXX XXXX XXXX GA XXXX Their client : XXXX XXXX by the XXXX XXXX Client account number : XXXX Account number : XXXX Balance : {$400.00} Resolution offer : {$200.00} This collection company and its client fraudulently using my personal information and trying to make me pay the bill I have no connection to. In XXXX, I have filled a claim with all three credit bureaus XXXX, XXXX and XXXX and were able to dispute the collection from my credit report. All three credit bureaus stated that National Credit Systems , Inc and their client XXXX XXXX by the XXXX XXXX were using my name with Social Security Number that does not belong to me. As a result collection was removed from my credit report. 
Today XXXX the XXXX, XXXX exactly a one year from previous letter ( that i've received on XXXX the XXXX, XXXX ) I have received a new fresh letter from National Credit Systems , Inc with exact the same information they sent me in XXXX and XXXX ( which makes it 3 years in a row ) demanding money to be collected that was cleared and removed from my credit report in XXXX. This collection company is bothering me for 3 years now and have to stop. 
Please, take an action They intentionally using fraudulent information that going to damage my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts on my report that do not belong to me and needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, inaction violates federal law and my rights as a consumer.
Product: Mortgage

My home was foreclosed on in XX/XX/2011 with XXXX XXXX XXXX having first mortgage and they also had a second. 
The foreclosure was a non judgement and the second was sold off to Real Time Resolutions, amount owed XXXX. I have verbally warned them for years do not contact me pursuit to section 805 of the FTC collection act via telephone however I will correspond via mail. However, they continue to call. Everytime I get a new number, or at mothers land line, they call. And I tell them again.or sign up for the DNC registry. Today they called three times in a row after I warned them. They have threatened me with garnishments, all types of ways to scare me into paying this debt. I am on XXXX  XXXX with zero assets. I have had enough of their calls and flagrant disregard for my FTC warning. XXXX XXXX is the other that also calls without regard to my FTC warning. They are from overseas and call without care or regard. I want this to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of by the companies listed due to XXXX  where several laws have been broken under the Fair Credit Reporting Act. These negative marks on my credit have caused me financial injury.
Product: Mortgage

Closed on the selling of my home XXXX XXXX. The buyer assumed my loan, Ive reached out to the customer service email twice and called multiple times to verify and ensure my release of lien was issued. I need to ensure Im no longer liable for the loan and it is still appearing on my credit report that I own the home. To purchase another home with the VA loan it should show I no longer own a home so I can have a higher borrowing power. With the loan in my name still it is making it harder to purchase a new home.
Product: Debt collection

This company SIMM associates, INC were told on XXXX XXXX, XX/XX/2015 .via certified mail, That this account that they are trying to collect on is a result of IDentity Theft. The company who sent them the information ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX had been informed on XXXX XX/XX/2015 that this account was a result of Identity Theft and they sold them an uncollectable account. I sent them via certified mail all of the necessary legal paperwork, identity theft affadavit, police report, etc and advised them In accordance with the Fair Debt Collection Practices Act to stop collection proceedings against me and stop communicating with me about the debt except as the Fair Credit Reporting Act allows. I also asked them to notify the the business XXXX XXXX TRust that this account was a result of a identity theft. They have not responded to me on this and knowingly went and sold this account to another debt collector NCO financial systems because now in XXXX XXXX, XX/XX/XXXX I received a letter from that collection agency trying to collect on this debt. They have unethical practices here at SIMM Associates, Inc
Product: Credit reporting

Applied to XXXX for a no-rewards credit card. Have excellent credit for over XXXX yrs., never been late ever, never missed a payment. XXXX shows my FICO score as XXXX while Equifax shows it as XXXX today, two days ago, XXXX months ago this disparity existed. I check every year all three credit reporting agencies & FICO score but last year I did not pay extra for the FICO except from XXXX. I just did a HELOC refi XXXX months ago & FICO was XXXX ( down then due to from the hard credit pull ). XXXX statement also shows FICO in XXXX usually. Experian shows credit usage low, 19 % debt to income ratio. XXXX used Equifax, which shows a FICO score of XXXX - XXXX points less than Equifax. This disparity in FICO scores is unexplained & I received a higher interest rate for the XXXX credit card due to XXXX using Equifax 's FICO score. I was told by the Equifax rep that mortgage companies use XXXX while credit card companies use Equifax. Why? I think that Equifax is treating my mortgage as a revolving line of credit since what displayed on my screen ( after I had to pay {$19.00} for it ), was " Credit Summary '' line item Mortgage shows " balance '' {$45000.00}, " available credit '' {$150000.00}, " credit limit '' {$190000.00} - this is inaccurate since it is a 15-yr fixed rate mortgage, so there is no available credit or credit limit. I can not think of any other element that would drag down my FICO score so significantly other than this. Equifax CSR told me that its score was not an actual FICO score ; rather, it was a " Risk Score. '' What? When I called back and spoke to someone else, she stated that the XXXX score was indeed a FICO score. There must be an explanation for this enormous disparity and I am chalking it up to underhanded misdealings between credit card issuers and Equifax. Please look into this starting with me. I have screen shots of both XXXX and Equifax 's reports showing my FICO score and will email it to whomever works on my case but do n't wish to post it now.
Product: Money transfer, virtual currency, or money service

I own a car dealership sold a car for {$5000.00} the customer could only use {$2500.00} a day so on XX/XX/XXXX they paid {$2500.00} via card and then on the XXXX another {$2500.00} via same card now a company called WEPAY  has a hold of my money and said I cant have it back, closed my account so how am I supposed to run my company with no money
Product: Checking or savings account

I ordered pizza on XXXX and it never arrived so I called the restaurant and they said they never received the order and to reorder. I did and then disputed the first transaction once it posted on XXXX. PNC never communicated with me about this other than providing a confirmation of my dispute indicating it could take 45 days to resolve. They did not communicate anything about a provisional credit. It has now been XXXX business days and they have not provided a provisional credit as required by Reg E for disputes. The employee I spoke with said that they sent a letter but could not see where it was sent. I changed my address on XX/XX/26 for all of my accounts and this was confirmed by PNC in XXXX. It is reflected on my account statements as well.
Product: Checking or savings account

On XX/XX/XXXX my computers and phone were hacked and fraud accounts through different payees from things like XXXX XXXX XXXX XXXX  and XXXX took money out of my accounts. When I noticed this I immediately notified my bank not to pay this because I had never used any of these such ways to send money. I have never sent money at anytime or in any way. The bank didn't stop the fraud and put the payments through. I told them I have never used these things and don't even know how to. They could check my past records and see I had not. Since this hack was done on my account I filed several appeals but was denied that I had either done this or had someone do it.. Since this hack was done on my account I filed several appeals but was denied that I had either done this or had someone do it. 

I had to call social security with new account information. I changed all passwords on all my social medIa, I changed my router and modem names and passwords, and I still do not feel safe on my phone or computer because they contain a lot of saved passwords and notes. I truly did not do this or allow it to happen. I am a senior citizen that has to have my monthly Social Security check to survive. 

So to sum this up why would I put myself through all this if I purposely gave money. 
away. The last letter I received from the bank was dated XX/XX/XXXX ( only 5 working days later ) so they made their decision very quickly. This letter states that {$500.00} is my responsibility. This is quite unfair especially since I called at once to the bank asking them not to process the transactions while they were pending. 
Wells Fargo Bank XXXX # XXXX