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

I was informed of my credit score going down almost XXXX points during the loan and closing process for a new house by the lending company. They informed me that there was a new item on my credit report where an {$81.00} unpaid final bill from XXXX XXXX from XX/XX/XXXX was sent to collections ( TransWorld Systems ) in XX/XX/XXXX. I was never notified of the charge from XXXX XXXX. I was never notified that the charge was being sent to collections from XXXX XXXX. I was never notified that the charge was in collections by TransWorld Systems. 

I called XXXX XXXX the day i found out and I paid the balance directly with XXXX XXXX over the phone then contacted Trans World System regarding my credit report. I had XXXX XXXX to look up my ENTIRE payment history to show I had NEVER had a late payment and NEVER had a missing payment the entire time I had service with them. 

Trans World Systems informed me that they do not submit or process credit deletions and would need proof of payment from XXXX XXXX which should process in their system in anywhere from 24 hours to multiple weeks. Once TransWorld Systems confirms the payment they can then send the information to the credit bureaus to inform them that the bill/collection has been paid. I do not know how long this will take, but it could be at least 30+ days. TransWorld Systems will not have the item removed from my credit report, but instead will only note that it has been paid. 

If i was informed or aware of the bill/charge i would have paid it immediately. 

I am requesting that the credit report entry be deleted from my credit report and my credit rating returned to normal by XX/XX/XXXX as I am closing on a new home at the beginning of the year and this will negatively impact my interest rate.
Product: Credit card or prepaid card

Ive had a Capital One Credit Card for 11yrs. This year the account was placed on a restricted status. The account has been paid off and it is still in an restricted status. I am unable to use the card.
Product: Mortgage

Two attempts made to properly fill out these forms. Both times rejected, assumed destroyed, and new ones re-sent, due to me not meeting previously untold requirements, according to SWBC, namely in-person notarization, and particular fields of information that allegedly went unfilled, even though thorough review of the 2nd signing attempt was overseen and notarized by an experienced notary public. 

A letter suddenly received days later ( dated XX/XX/2023 ; was not officially notified via email until XX/XX/2023 ) declaring the entire application for foreclosure prevention is now rejected and that I am ineligible, due to an unspecified deadline overrun for the forms to be submitted. Assuming this news is correct, my home will be foreclosed on as early as XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been news that the responses are randomly generated, and the report they gave me makes me unsure whether it 's accurate, or, as inaccurate as the news say.
Product: Checking or savings account

I have had my card compromised several times this year on both my son 's account.and now have had to send me out a new debit card several times... And because of the fraud activity.. they froze my accounts and won't let me access my account with my money that is mine. I need my money
Product: Credit card or prepaid card

I did a purchase on Best Buy on XX/XX/2021 and return the item on XX/XX/2021, I have proof of the merchant that they they received the item, but they never did the refund the credit card is manage buy Citibank I have been calling them for a year, trying to fix this matter I open disputes, upload documents about the refund d but they dont t do anything. Every month they call me telling me that Im late on my payment ( thats the only and last transaction I have with that credit card ). They already damage my credit score report sending flags that Im late .. they also sent a flag that I did a settlement with them. Im very frustrated I really dont know what to do every time I called they transfer me with several people but know one help me or resolve this matter Im desperate.. as I told you they already messed up with my credit score. 
I already talk several times with Best Buy store they messed up with the return because XXXX pick up the item but didnt explain were they return it I told them thats an Internal mistake why that is affecting my refund .. they told me they already process the refund transaction but Citibank dont fix it, because they said they didnt received the refund transaction from Best Buy. And this is the never ending story, since a yea ago I already cry, Im angry, Im frustrated! 
Please help me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave Grain my direct account information to auto draft for the bill. According to 15 US 1666B this account contains a billing error I was also not mailed and should not be reporting late. Currently they are hurting my consumer report as a Financial institution who is reporting negative information of me to the credit reporting agencies 15 USC 1681 S-2. I am asking CFPB to Enforce Grain to remove late payments reporting that are indeed inaccurate reporting
Product: Credit card or prepaid card

Regarding BBVA USA Tried logging into their app XX/XX/2021 and it says services not available try again later.No big deal I'm fine paying the late fee however on month later on XX/XX/2021 same issue. They put their hours for customer service online as XXXX - XXXXXX/XX/XXXX I call at XXXXXX/XX/XXXX and they have a message saying they are closed and they had changed their hours. 

I have been denied access to my online account. I had previous call and asked for a compliant to be filed because of my online issues. Previously it wouldn't process my payments. Instead of fixing the issue I can't even get in. Now my online ID is locked. But I can't call them since they posted wrong hours. 

They have in bad faith created a situation that will negatively effect my credit and financial future. Additionally they have posted fraudulent hours online. Which made me believe I had time to call. Which I did not.
Product: Debt collection

I have concerns regarding the notification I received about the debt and the lack of information provided to verify its validity. When I contacted XXXXXXXX XXXX seeking clarification on the validity of the debt, I did not receive any information or documentation supporting the existence of this debt. I believe that as a responsible customer, I am entitled to receive sufficient information to verify any debt reported in my name. Upon reviewing my credit report, I noted that the mentioned account is inaccurately portrayed as a late payment account with a balance due. This misinformation adversely affects my credit score and raises questions about the accuracy of the reported information. Please find the details of the account in question below : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/2019 Balance : {$170000.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to XXXX, Equifax, and XXXX on XX/XX/XXXX and now again on XX/XX/XXXX. The bankruptcy information came back as verified or accurate and this is not correct.I informed them that the public records information should be removed due the laws below.

15USC 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to any of these bureaus to obtain this information.

Also, 15USC1681 ( q ) states that Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. without written consent of this information makes obtaining this information under false pretenses from the agency or its furnishers.

18USC1028a ( 1 ) states that ( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

The courts have informed me that this information was not reported to the credit bureaus and therefore this information can not be updated or accurate if the source is not furnishing this information. without written consent of me the consumer this information is not lawfully furnished on my credit report. which is a violation of my rights. I request that this information be removed immediately. 

U.S. Bankruptcy Court Type : XXXX  XXXX Bankruptcy Status : XXXX Reference # : XXXX Asset Amount : {$0.00} Date Filed/Reported : XX/XX/XXXX Closing Date : XX/XX/XXXX Liability : {$0.00} Exempt Amount : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my accout for XXXX XXXX Account # XXXX was properly investigated but how it that possile if there are multiple inaccuracies on my report? I have listed them : 1. Last verified- inaccurate 2. Date of last activity-inaccurate 3. Date reported- inaccurate 4. Date Opened- inaccurate 5. Closed date- inaccurate 6. Creditor remarks- inaccurate 7. Last Payment- inaccurate 8. Payment frequency- inaccurate 9 Two year payment history shows 4 30 p+lus days past due. if it's in collections how is it past due?

This is grounds for removal!

My rights have also been violated under 15 U.S.C. 1681 Sectipn 602 A which sttes thatI have the right to privacy.

15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an acount without written instruction. I never gave written instruction!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report
Product: Debt collection

Police met with VICTIM who advised the details of the incident. VICTIM advised that on XX/XX/21, he was contacted about suspicious lines of credit being opened in his name. VICTIM noted for his credit score to have suffered and began to look for evidence. VICTIM advised that he had two seperate emails in his junk folder about lines of credit opened in his name that he did not authorize. VICTIM advised that he tried to gain more information but was denied until he filed a police report. Police noted for one email to be a from ACIMA credit and to contain a purchase agreement for a rental. Police noted the other email to be from XXXX! about a lease agreement for a purchase at XXXXXXXX XXXX XXXXXXXX XXXX XXXX Police noted the XXXX had a bill for {$2700.00} and the XXXX! to have no amount specified. Police attached a copy of both emails to the report. VICTIM advised he wished to pursue charges.
Product: Credit card

Chime sent me a XXXX Debit card unsolicited.
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/XXXX, I was under the impression I was talking to a coworker on XXXX, someone who I trust. She had bought concert tickets ( something I knew she had ) and was attempting to sell them. I was interested and messaged her. 

I found out that she was hacked after a phone call with my actual coworker, and that I had sent my money to the wrong person. Because I authorized the payment, XXXX and my bank PNC will refuse to assist me. I dont know the person I sent my money to and consider it an unauthorized transaction. Is there any way to receive my money back?
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. 

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 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 ) ( 1 ) 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, credit repair services, or other personal consumer reports

In accordance with the federal reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604a section 2 It also states a consumer reporting agency can not furnish an account with out my written instructions under 15 USC 1666 be a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

recv 'd letter from TRS recovery ref # XXXX re : a {$500.00} electronic transfer at local XXXX on XX/XX/2020. We do not shop there. XXXX stolen XX/XX/2020. Stopped all known cards, but license and such were in billfold. Tried going to TRS site but they wanted routing, account numbers to even start looking into it. No idea what this is about. XXXX said they do not use this recovery company and would have communicated with us directly. So ... is TRS a scam, or has someone incurred this debt fraudulently with my ID? XXXX has no indication of an attempt to get $ from them, so we don't know what to do.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FILE # XXXX DATE XXXX XXXX XXXX XXXX  COLLECTION ACCOUNT SHOULD NOT BE REPORTING AS LATE OR PAST DUE. 

REMOVE THIS ACCOUNT FROM MY CREDIT FILE IMMEDIATELY AND SEND ME A NEW UPDATED CREDIT REPORT. 

According to the Fair Credit Reporting Act, Se

ction 611 ( 5 ) ( A ) of the FCRA You are required to promptly DELETE all information that is inaccurate. THIS IS A CLEAR VIOLATION of the FCRA USC 1681S-2.
THIS ACCOUNT IS REPORTING AS INACCURATE. 
XXXX XXXX XXXXXXXX Reporting as PAST DUE AMOUNT {$7300.00} This is not my account. I never had an agreement with this Collection Agency.
Product: Student loan

I applied for autopay on XXXX/XXXX/16 with Navient for my XXXX loan. Despite the fact they have all the information from previous manual payments, they rejected my application ( thereby continuing to charge me an extra .25 % interest ). I called XXXX/XXXX/16 to complain about my manual payment pushing autopay back to XXXX/XXXX/16. After 20 minutes on hold, I was told my due date would be XXXX/XXXX/16, and autopay would apply for that date. I did not get the customer service person 's name. After that call, I received a letter rejecting my autopay dated XXXX/XXXX/16. Today, after seeing the letter, I called and spoke to XXXX in customer service, who told me he does n't know why my autopay did not go through. He suggested an error in the routing number, or names on the account, both of which were correct on the application, but he thought the new application, with the exact same information would. I have no faith, and I want a refund for the extra interest I 'm paying due to their screwup. I also believe this process should not take 10 days, with no confirmation and no way of checking the progress via the website. It 's ludicrous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple hard inquires on my credit report that could be fraud and I don't recognize.
Product: Payday loan, title loan, or personal loan

I have been trying to cancel my account with Earnin for weeks. They kept telling me that I had to wait for the debits to be taken out of my account even though they already took all the money out of my account that I owed them. Today I got a text message that they were sending me {$100.00} that I didn't request. When I asked them to cancel the unauthorized transaction and delete my account they refused. This is a predatory practice designed to keep people using the service.
Product: Credit card or prepaid card

I was charged interest for {$15.00} from Capital one quicksilver card. I am using the card for 5 months with it's promised 0 % APR for 15 months. I find it unfair to be charged interest and this is my assumption that I need to complain against the company.
Product: Debt collection

IQ Data International , Inc sent me a letter stating that they are trying to collect a debt in the amount of {$300.00}. I immediately wrote them back disputing the alleged debt on XX/XX/XXXX. I asked IQ Data International , Inc to validate the alleged debt and to stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. I never received the response that I'm entitled to by law, instead on XX/XX/XXXX at XXXX XXXX  I received a call from XXXX from IQ Data International , Inc. He informed me that the call was an attempt to collect a debt. I informed XXXX that I sent a debt validation letter and I have not received a response. XXXX confirmed that IQ Data International , Inc received the letter and did not respond to it. XXXX stated that it was " just a debt verification letter '' and proceeded to ask me who my employer was. He continuously ignored my request to be contacted by mail only, instead, he repeatedly asked me to verify my phone number for future calls. IQ Data International , Inc has XXXX respect for the law and is in clear violation of the Fair Debt Collection Practices Act, Validation of Debts 15 U.S.C. 1692g ( b ) Disputed debts " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector ''. IQ Data International , Inc made no attempt to validate this alleged debt to ensure it was accurate or if it belonged to me, instead they violated the FDCPA with their debt collection harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax lost my data as a result of it 's XXXX 2017 hack.
Product: Credit reporting, credit repair services, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$400.00}
Product: Credit card or prepaid card

I applied for a credit card after many promotional emails, a prepaid card with discover. The fee was minimum XXXX XXXX .I paid XXXX $ for prepaid credit card ... They sent the plastic card by mail ... i wasnt able to ever use the suppose to be open account. They claim i needed to send 2 years of IRS history/taxes. 

I am XXXX. I never had a card before, i was trying to open credit for the first time to help myself get an aparment on the future. 

They were super rude to me back on XXXX XXXX ..very nasty because i dont work and only receive income for XXXX. After 4 hours on the phone, not able to use my card..and hungry on the street. They told me there was no way for them to active my card due to me receiving XXXX, not working I asked them to refund the XXXX XXXX they told me they will only refund after 2 billing cicles knowing the card was never actived..and never used of course. If they were closing the account then theres no billing cycles either ... .I waited 3 months and the XXXX $ check refund never came by mail as promised. This was discrimination and also stole the money. Yes this is the real discover company. I have the letter on hand. Thank you.
Product: Credit reporting or other personal consumer reports

Mariner Finance XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX XXXX XXXX XXXXXXXX Mariner Finance , LLC, claims they sent an unsolicited loan check to an address that I have not lived at for over two years and is also claiming that someone cashed it, they are now demanding payment for the loan from me. One of their representatives reached out to me due to the signature on the check not matching the name on the check. I informed her that I had never even heard of her company much less cashed a check from them and that it was fraudulent and they needed to have it removed from my credit report. I was then informed that I would have to place a police report and give them a copy of it. I did not create this situation but I went and filed the report as asked and gave them a copy of the case number to follow up on. At this point they have now demanded that I come to their office and sign an affidavit so they can further investigate. I refused stating that it was their responsibility to resolve not mine and I will not waste my time and money helping them resolve it. They have now began to call me numerous times a day always someone different from a different office, and a barrage of emails demanding payment threatening to turn it over to collections and possible legal action. I have a copy of the check in question and it clearly shows someone else 's signature. After a very close examination of the check there is no stamp, signage, or even a location address of where it was cashed and by who. When I asked Mariner Finance , LLC to provide this information and proof that the money was actually paid out they refused. This really seems like some kind of scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking my credit report I see Experian has lowered my credit score.  The last time I checked my score it was XXXX now it's dropped to XXXX. I pay my bills and I just wonder why this is happening. Experian is a XXXX  company and this can be proven 100 % In the report it says exceptional next to payments so why would my credit score drop so much? They just want to keep the XXXX Americans to have anything in this world. They want you pay them them {$14.00} to upgrade your account so I guess if you don't they lower your credit score, enabling you to not to able to live!!!!!!!!!!!!!!! Very XXXX company they are