23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I've been contacted numerous times by XXXX XXXX XXXX for months regarding a debt I owe. I ignored the calls for the most part because it seemed like a scam from the beginning. However, I finally obliged and called them back requesting additional information on this charge they are collecting ( {$1700.00} ), they did not have any details but promise to send them via mail. Nothing was received, and I communicated to them that I am no longer taking any calls as I haven't seen anything on my credit report on this alleged debt. I check my credit report yesterday ( 2 months later ) and my score had dropped significantly due to a delinquent debt by XXXX XXXX XXXX. I've contacted them several times within the past couple of days which resulted in their failure to provide information, hanging up, unable to provide a valid email address or website, and just very suspicious operations. I've since communicated to them that I have filed various complaints ( identitytheft.gov, FTC, police report ), and will proceed to take legal action if not resolved by them. They have then blocked my calls, or hang up the phone when I use a different contact number of theirs. 
I do not have any documents from them with information on this debt. They have only operated over the phone, requesting immediate payment via credit card.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the 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 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 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 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

My date of birth is incorrect. I a m  XXXX  old. I was not born in  XXXX .
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX. Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Commonwealth Financial Systems, Incorporated XXXX XXXX XXXX XXXX, XXXX XXXX, PA they are a fraud company that needs to be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been doing everything in my power to improve my credit rating. It was going well until roughly XX/XX/XXXX. I noticed a XXXX point drop in my credit rating. I tracked it down to the XXXX credit card that I had opened. 
All my credit cards are signed up with automatic payments monthly. XXXX was the same. On XX/XX/XXXX, I spoke to a customer representative who forwarded me to a representative in the credit card division. I was told that when an account is on auto withdrawal, AND the balance goes to {$0.00} XXXX CC system automatically turns off the auto withdrawal. Naturally I was livid because I received NO NOTICE of this event. 
After this automatic shut off I made a purchase and naturally expected the system to do what it had been doing. Again, I received NO NOTICE of the shut off and fully expected the auto payment to work. It did not and payments were late thus the derogatory mark on my credit causing great damage to it. 
I was so livid and XXXX  that I had to get off the phone as the representative did nothing to resolve the issue. A couple of days later I called back to try and get more information. The representative told me that the auto withdrawal was removed by me on the website. That was a complete lie and I told him so. This went from bad to worse. Honestly, I had been working so hard to improve my credit rating that I had to put this issue aside. It was too XXXX It wasnt until a year later that I could address this issue. 
This bad mark on my credit had nothing to do with me. XXXX XXXX is the sole creator ( 100 % ) of this bad mark on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a used car purchase through XXXX XXXX XXXX  on XX/XX/2016. I immediately enrolled in auto-pay and made all payments on time for the duration of the loan. With absolutely no notification the company unenrolled me in auto-pay without my permission, and then reported my account as 60 days late. I paid the final payment and closed the account immediately after I became aware of the issue. 

Despite this, the company reported the account to the credit bureaus, and it is still negatively affecting my credit score. I have reached out to XXXX XXXX XXXX  about this multiple times and they have been totally unresponsive.
Product: Credit reporting or other personal consumer reports

I have credit inquiries from one main that I did not authorize
Product: Credit card or prepaid card

They weren't applying payments in the manner they publish that coincides with the Credit Card Act. Rather than look at and fix the problem, they just kept telling me they were following the rules and attached them. Yet it shows in black & white they did not! They would not fix it. I tried many ways and became so frustrated I closed the account. I submitted complaints. The company responded saying they didn't do anything wrong and posted the rules AGAIN. Yet they didn't follow the rules! Hello! Is anybody listening? 

" balances that are at the same APR will be paid in the order of their expiration dates '' yet they paid my XX/XX/22 balance vs my XX/XX/22 balance. 

I have excellent credit and know it will be affected by closing the account. 
What is happening? Why is this company acting so strange all of the sudden? My concern is for others. This should be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the XXXX data breach and my identity was stolen. I went through the proper procedures and filed an FTC report with the Federal Trade Commission and I have also filed an identity theft affidavit. Unfortunately, I was not informed of the investigation results and I was not supplied any supporting proof documentation. 

I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore ny such debt, in fact exists.
Product: Credit card or prepaid card

I was unknowingly enrolled in Discover 's " Payment Protection '' plan when I initially signed up for the discover credit card in XXXX. This has resulted in over {$1000.00} of charges over the years, which has led to my account gaining a balance. They informed me they were emailing me biyearly to alert of my enrollment in the program, but the email did not specify that I was enrolled in anything, nor does it say I was charged for the program. This led Discover to offer reimbursement for the last 6 months of fees, but I do not believe their biyearly alerts were straightforward or clearly stated that I was enrolled in a program, paying for it, and as a result of my enrollment my balance was never going to be paid off by making minimum payments. I see no case where this program helps anyone, as it lead to my balance increasing despite making monthly payments for the last 5 years. It is predatory to a degree, and only hurts the consumer. 

I have not spent a dollar on this card in over 2 years, and my balance has gone from {$2600.00} ( XXXX-XXXX XXXX ) ; to {$2700.00} ( XXXX XXXX ), despite making payments every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing my credit file with Transunion, XXXX and XXXX to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts. 

Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide, XXXX reports {$0.00} HighBalance on all my revolving accounts. TransUnion Last payment does not coincide with TransUnion payment data history, XXXX does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt {$5200.00} with DISCOVER BANK Account Number : XXXX I do not have a contract with DISCOVER BANK, this account was opened fraudulently in my name, which i believe to be the result of identity theft. This account was opened under my personal information without my authorization. DISCOVER BANK did not provide me with the original contract as requested with my wet signature and ID verification. This company is reporting inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I request a copy of any applications or documents used to open this account, as well as any details regarding how this fraudulent activity occurred.
Product: Mortgage

Our mortgage company ( Provident Funding Associates ) withdrew funds ( {$410.00} ) from our escrow account and made an annual HOA premium payment to another customer 's insurance company ( XXXX ). Furthermore, Provident Funding Associates failed to pay our annual HOA premium on time, which resulted in our homeowner 's insurance company ( XXXX XXXX ) issuing a cancellation notice of our policy. When we called to ask that the {$410.00} be returned to our account, Provident Funding Associates told us they could not return the funds until they received a refund from XXXX for the payment that Provident Funding Associates made in error. We also asked them to pay the HOA premium ( {$540.00} ) to our insurance company ( XXXX XXXX ), which they did from additional funds they withdrew from our escrow account. Our escrow account is currently deficient {$410.00} because Provident withdrew funds without our authorization. We are requesting that the {$410.00} that Provident withdrew in error be deposited immediately to make us whole.
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 COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$820.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

Many times while using Cash App I was not able to have access to a live agent which would get me through many issues. My account was closed with no reason as to why and I never got an answer from a representative.
Product: Mortgage

Bank of America sent an escrow overpayment of {$3000.00} to XXXX XXXX on XX/XX/2019. The payment was not applied to my account with XXXX XXXX, instead it was applied to an incorrect account. I have contacted Bank of America multiple times since XX/XX/2019 to retrieve my money back from XXXX XXXX, but Bank of America has failed to do it. 

Bank of America claims XXXX XXXX is telling it no overpayment is due on this account, but when I go to XXXX XXXX, the city is telling me Bank of America 's money was applied to the wrong property 's account. XXXX XXXX refused to share information with me, advising me to go back to Bank of America and file a claim for overpayment to retrieve the money. However, Bank of America claims they have made many attempts and XXXX XXXX is telling them there is no overpayment. I am out of {$3000.00}. Bank of America keeps referring me to XXXX XXXX, and the city is referring me back to the bank, stating that it is not my account so it can not provide documentation to me since XX/XX/2019. 

There were no overdue bills with the XXXX XXXX XXXXXXXX that required Bank of America to send a payment on my escrow account. 

Please assist me in retrieving my money from the XXXX XXXX XXXXXXXX through Bank of America. 

The relevant mortgage account number is : XXXX The relevant property address is : XXXX XXXX XXXX, XXXX, MD, XXXX My XXXX XXXX customer account number is : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments XXXX Account ( Account Number : XXXX ) Dear CFPB, I am submitting this formal dispute regarding the inaccurate reporting of late payments for the XXXX account ( Account Number : XXXX ) on my credit report. Upon careful review, I have identified multiple discrepancies that fail to accurately reflect my payment history and account details, and I request immediate correction of these inaccuracies. 
Nature of the Complaint Inaccurate Late Payments : The credit report shows XXXX late payments for XX/XX/XXXX and XX/XX/XXXX across all three bureaus ( XXXX, Experian, and XXXX ) XXXX These late payments are false as I have consistently made timely payments, and my account has been enrolled in autopay, ensuring payments are processed on or before the due date. 
Discrepancies in Account Details : High Credit : XXXX and Experian report {$1400.00}, while XXXX incorrectly lists {$0.00}. 
Last Reported Dates : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Payment Status : All three bureaus indicate the account is current, contradicting the reported late payments. 
Violation of Federal Laws : Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of late payments violates my rights under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which require credit reporting agencies and furnishers to ensure maximum accuracy in consumer reports and to promptly correct any errors.

Truth in Lending Act ( TILA ) : The misrepresentation of my payment history breaches TILA 's requirement for truthful and accurate reporting of credit information. 
Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments constitutes misrepresentation of my account history, potentially violating FDCPA standards. 
Requested Resolution To resolve this matter, I am requesting the following actions : Immediate Removal of Late Payments : Remove the reported XXXX late payments for XX/XX/XXXX and XX/XX/XXXX from my credit report. 
Correction of Account Details : Align the high credit amounts, last reported dates, and any other discrepancies across all three bureaus to reflect accurate and consistent information. 
Confirmation of Investigation Results : Provide a written confirmation within 30 days, as required under the FCRA, detailing the results of your investigation and the steps taken to resolve these inaccuracies. 
Failure to address these discrepancies and ensure compliance with federal consumer protection laws may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting

I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
Since I have not experienced this situation before, I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? I have filed disputes with Experian previously in the same manner so I am not sure why they think this time it was n't me. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am just a regular person and do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts.
Product: Payday loan, title loan, or personal loan

Hello, XX/XX/XXXX : I secured a line of credit with Fortiva for cosmetic treatments ( www.myfortiva.com ). 
I was told if I paid in full by XX/XX/XXXX, there would be no interest or fees. I proceeded based on that promise. 

XX/XX/XXXX : I paid the account in full for {$4100.00} & received a confirmation of the payment via email. 

XX/XX/XXXX : I received a text that my payment was late, a {$30.00} fee was assessed. Confused, I logged in online to discover my payment was rejected. First I checked with my bank ( XXXX ), they said none of my payments had been returned & confirmed adequate funds available to cover the expense. Second, I used the chat feature to find out what was wrong ( chat history attached ). First they said the payment didn't go through. Then it was fraud. They couldn't help via chat & gave me a number to call to speak with a specialist. I called, XXXX, twice & got no answer & left a message. 

XX/XX/XXXX : I received an email. Basically saying they suspected fraud ( on a bill I'm trying to pay mind you ). I needed to wait 10 days for a suspension to be removed ( meaning I can't pay the bill ). 

XX/XX/XXXX : I received another statement showing additional fees. I called again & was given the run around about 10 days to wait. 

XX/XX/XXXX : I called again, insisted on speaking with supervisors. I was " disconnected '' twice, told the suspension would be removed, I could pay partial but not all, on & on, finally told a supervisor would call me back. I did try making the partial payment & was still given an error message as the suspension is still active, even after verification of my identity & ability to us the debit card on the same account. 

I have NEVER once received a call back I was NEVER notified of suspected fraud causing issues with my payment. 

If they can text & email every notification, then why is it they never notified me of the rejected payment? THEY are the ones who are fraudulent & predatory by intentionally creating barriers to payment in order to charge bogus fees. 

I'm happy to pay my legitimate balance owed of {$4100.00}. 
I'm asking to do so with all fees & interest removed ( {$130.00} now ) & any negative credit reporting is expunged. No one at the company seems to be able to speak with me to resolve this as I keep getting bounced around or told to wait ( for what Im still not sure as Ive provided proof of my identity ). Meanwhile they continue to add fees to my account while they ignore my desire to pay off the debt. 

Thank you for the help & for warning others.
Product: Credit reporting, credit repair services, or other personal consumer reports

FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nv XXXX TO : EQUIFAX. 

Dear Equifax. 

I just reviewed all of my credit reports and it appears you still have not deleted the account I disputed several times, which is- XXXX XXXX XXXX 

Please be advised that both XXXX and XXXX have deleted it from my report and you EQUIFAX have not. 

Your neglect is a clear violation of the FAIR CREDIT REPORTING ACT. If you do not delete this account within the next 3 business days, then I will be forced to report to the FTC and go through an administrative process. 

Please delete this fraudulent account -XXXX XXXX XXXX  immediately. 

Sincere regards, XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX, the bank debited my Regions checking acct for {$50.00} in error. This checking acct and several others were previously joint accts with my mother. She also had some accts in which she was the sole owner. She died on XX/XX/XXXX. After her death, I took her death certificate to the bank and had her removed from our joint accts and closed all the accts on which she was the sole owner. Apparently they missed closing one of her solely owned accts which had a {$50.00} annual fee and they debited my acct for that fee. I would like to be reimbursed this {$50.00}. I was told by XXXX XXXX, the branch manager ( XXXX XXXX XXXX phone ) that I would not be reimbursed.