23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid XXXX directly for a balance i had. I got a alert on my credit account after i paid for the balance by a collection agency stating i owed a balanced when i did pay it off.in addition i never got any notice from a collection agency. They never sent me a notice. I did stay in touch with XXXX and there should be recorded conversations that i did call them to let them know i was going to be late and that i was going to reestablish service with them.
Product: Money transfer, virtual currency, or money service

Thought that I was purchasing a classic XXXX XXXX that was for sale on XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX South Dakota. A wire transfer was made in the amount of {$23000.00} ( with assistance of Wells Fargo XXXX, XXXX XXXX ) XXXX XXXX eased my tension of potential scam/fraud when she stated that the account the money was being transferred to was a Wells Fargo Customer , account # XXXX routing # XXXX The transaction was completed and no car was shipped and/or received. Local Police, XXXX XXXX SD XXXX XXXX XXXX, Iowa, South Dakota and Florida 's Attorney Generals have been notified. Claim has been filed with FBI, FTC as well as a Wire Recall ( funds not returned ) with Wells Fargo.

I h

ave exhausted all legal and financial resources in trying to get my money returned. I want to thank anyone on your team in adv
ance for their time and any assistance they can provide. 
Very Sincerely, XXXX XXXX aka XXXX XXXX ( XXXX ) XXXX XXXX Please note : These funds were from an VA XXXX XXXX XXXX  that had just been awarded. An injury in XXXX while XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent them letters, request, I have called and yet they have not deleted the old, incorrect, outdated, obsolete information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with XXXX XXXX XXXX and they granted a 3-month forbearance due to the coronavirus. I received notification that the forbearance was granted, yet I got a message that they sent a bill ( during the forebearance ). Then they sold the mortgage to My Loan Care. I called XXXX XXXX XXXX  to ask them to send accurate information and they did not, instead they reported me to XXXX. Then I received notification that My Loan Care had transferred the forbearance, today, I received a letter from My Loan Care saying that I'm two months behind.
Product: Prepaid card

Cards are declined everywhere despite Amex reporting total balance of {$300.00} on the cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by 5 p.m. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by 5 p.m. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting

I have disputed these accounts with Fox Collection Center ( see attached letter ). To date, this collection agency is yet to provide me substantial documentation to support my owing them. I have requested copies of all documents sent to me regarding these accounts as well as papers that show I agreed to pay them what they say I owe and that the documents bear my original signature. This company is reporting terms on my credit reports and I have never entered into any contract with them. Additionally, consumer law states that collection agencies may not report terms on my report unless I have indeed entered in a contract with them. I have never heard of this company. These erroneous, inaccurate, unverifiable accounts must be removed from my reports immediately.
Product: Credit card or prepaid card

I have a " Discount Tire '' Credit Card thru Synchrony Bank. I purchased a XXXX XXXX XXXX XXXX. When I lost my job, I contacted them to activate my Plan. Their initial response was a non-response. Then without notification to me, they closed my account and cancelled my XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I've contact XXXX, equifax, and XXXX about someone stealing my credit card information when I was XXXX  from XX/XX/XXXX to XX/XX/XXXX. I've talked to all XXXX credit services to no avail at least XXXX times a piece since XX/XX/XXXX and nothing on my credit report is changing. All they keep doing is having me do another dispute every 30 days which keeps coming back saying the information is valid. 

How is this information valid when I 1st mailed my XXXX papers thru certified mail that was receive on XX/XX/XXXX by all XXXX companies then they act like they didn't receive the certified mail so I uploaded my XXXX papers and faxed each company separately Which literally has done nothing. 

On my credit report it clearly shows all purchases and late activity happened at least 6 months to a year after I was XXXX 

With this document I'm resending my XXXX papers The XXXX account stating I owe {$9100.00} The account stating I owe XXXX XXXX {$7900.00} The account stating I owe XXXX XXXX {$7900.00} All should be erased from my credit report Furthermore, i've never even done business with XXXX XXXX XXXX purchased my account from XXXX / XXXX XXXX. Even though I never made these purchases however even if I did I never did business with XXXX XXXX  so that should never be on my credit report. 

This situation been way over 30 days in fact I've already had XXXX different disputes with all XXXX credit reporting companies and nothing has happened
Product: Credit reporting, credit repair services, or other personal consumer reports

In spite of my requesting an investigation into this account there are still multiple inaccuracies reporting on my account and it's keeping me from obtaining a mortgage as per my mortgage lenders investigation in to my credit worthiness. I wont be approved due to this inaccurate information on my credit report. Why won't you investigate and save me from this pain???? XXXX TransUnion XXXX XXXX Acct # XXXX XXXX Date Last Active : Incorrect Date of Last Payment : Incorrect The name of the creditor is truncated and makes absolutely no sense. The account number is truncated so, I have no idea what the account number really is. The date of first delinquency is incorrect The payment history is extremely incorrect There was no notice of previous dispute There are so many things reporting incorrectly that there is no way that you could have done an investigation.
Product: Credit card or prepaid card

On XX/XX/2021 I downloaded the prepaid serve app from my XXXX play store. When I downloaded the serve mobile app it prompted me to accept an End User License agreement. The XXXX was not from XXXX XXXX serve. The companies listed Was Incomm Financial Services Inc and Interactive Communication international Inc which is associated with XXXX  and bradstreet in which is the company that was used for inside trading with XXXX and to transfer and convert my former employer XXXX common stock. Basically the XXXX is unethical deceptive and unfair. Also inorder for the thieves to conseal the deceptive practices fraudulent transaction is to control it. What I mean by that is individuals group business and or government entity to get a financial licenses and offer financial services to keep it a secret or alleging I made fraudulent transactions in which i did not do.Also to make a claim and collect the refund for the same transaction that they made fraudulently in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, after reviewing my credit report since  XXXX   XXXX  to present. I noticed a few discrepancies. I have contacted Transunion on numerous occasions via certified mail, phone calls, faxes, etc. and to this day, they have disregarded my requests. I have made contac t  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . Each time Transunion either sends me their generic letter that states that  a company does n't have to have your permission to pull your credit. Or that I need to contact the actual creditor. I have sent letters to those companies and called and the creditors exact words are " Unfortunately, we are unable to assist you b/c you do n't have an active account with us '' " what you should do is dispute this with the credit bureaus. Can you imagine my frustration? Numerous unauthorized inquiries is making it very difficult for me to acquire credit as I 'm looking to purchase a home for my family and I. Most of the inquiries listed on my TU report pertain to auto loans, I do n't have a need for a auto loan nor am I searching for a vehicle. These inquiries were performed under false pretenses. The inquiries are fraudulent and I 'd like to have them deleted immediately. I know my rights as a consumer and again this is becoming more frustrating each day. I have no knowledge of these inquiries and I am requesting that they be deleted and removed immediately. Your attention to this matter is much needed, thank you!     I will also submit a complaint for another reporting agency known as  XXXX  as they are giving me a hard time as well.  XXXX  is the only company that has helped me in removing inquiries.      XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you of a recent development regarding my account with XXXX XXXX, account number XXXX. I have received a letter from XXXX XXXX via the Consumer Financial Protection Bureau ( CFPB ), indicating that they have granted me a one-time courtesy regarding a late payment on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer declare that in XXXX XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed XXXX and Discover accounts and hard inquiries ( XXXX/XXXX, XXXX XXXX, XXXX & XXXX XXXX XXXX ) I did not open or recognize and did not authorize and origination dates that are clearly erroneous. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission since XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding [ Account Name/Number ] reported on my credit file. Despite my initial request, this account remains inaccurately listed. I am once again disputing the validity of its continued reporting and formally requesting its immediate removal. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), data furnishers must conduct a reasonable investigation and accurately report only verifiable information. Additionally, per the FCRA 15 U.S.C. 1681c ( a ) ( 5 ), paid, settled, or otherwise resolved accounts should not continue to be reported in a manner that negatively affects my credit standing. 

This account was settled, and as such, it should not be reflected in a derogatory ma

nner. Reporting settled accounts in a way that suggests an outstanding balance or unresolved status is misleading and violates the accuracy requirements of the FCRA. I am requesting that [ Credit Bureau Name ] take the following actions : Conduct a proper reinvestigation as required by
law. 

Delete the inaccurate reporting of XXXX XXXX XXXX XXXX from my credit report. 

Provide me with an updated credit report reflecting these corrections. 

I have attached supporting documentation, including proof of settlement and any previous dispute correspondence, to aid in your reinvestigation. 

If this matter is not resolved within 30 days as required under the FCRA, I am prepared to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Please confirm receipt of this request and provide an update regarding your findings. I appreciate your prompt attention to this matter and look forward to a timely resolution.
Product: Checking or savings account

On XX/XX/2023 at XXXX XXXX I placed an {$74.00} order to XXXX. My order was stolen from me when the driver went by on XXXX XXXX  and when I contacted XXXX for the first time they have refused to refund me. On the day the charge settled, I contacted Cashapp for a refund for the merchant for failure to render services. And they have refused to refund me, without an adequate explanation as to why my request is being denied. 

I have contacted my lawyer about this situation and also XXXX XXXXXXXX - XXXX XXXX, with Cashapps refusal to issue this chargeback. They have NOT handled this matter, and I will NOT stop filing reports and calling until this is resolved.
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at Innovis XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX But I am not getting any response or completion of my request. I have also submitted the Innovis Credit Report XXXX XXXX form and NO SUCCESS. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

As I know and as you, Transunion, should know that pursuant to 15 USC 1681 ( b ) ( Permissible Purposes ) as well as the FCRA section 604 ( a ) ( 3 ), you are in violation, by allowing multiple 3rd parties to access my private and personal information. This has not only damaged my personal but my family and household as well. By allowing my report to be viewed by MANY without my direct authorization is an invasion of my privacy as well as being illegal! I have made NUMEROUS attempts to have them removed to NO avail. TODAY, The remedy that I seek for your violations is deletion of all soft inquiries and {$5000.00} payable to myself. However, I am willing to negotiate. If I do not receive remedy or counter, from this notice within 5 calendar days, I am ready to file documents in small claims court. 

Notice to agent is notice to principal, notice to principle is notice to agent.
Product: Checking or savings account

I went to the branch to open a simple checking account, XXXX, the banker talked me into transferring my money account from XXXX, I was getting around 5 % interest on my {$250000.00}. 
There was also going to be a small bonus and more importantly and investment advisor. 
They also quoted me the interest rate of 3.6 %. 
I reluctantly agreed after waiting about 3 days. 
Then I opened the account with the investment specialist for money market, XXXX. 
I deposited {$5000.00} and started getting .79 % interest on that money. 
the tier for $ XXXX was 3.6 %. 
In a few days I deposited the rest of the money {$240000.00}, date was XX/XX/year>. 
Since then, they never changed my interest rate. I wrote them emails, called and they kept promising it will be corrected. 
I'm getting tired of this lousy bank and their incompetent higher management that never bothered to contact me. 
They owe me the interest rate and additional {$2000.00} bonus so I can withdraw my money from a bank I don't trust. Total claiming is {$2700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act bankruptcy account # XXXX and # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states i have the right to privacy XXXX5 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. 

I did not give them written instruction.
Product: Credit card or prepaid card

ATT citi bank card was opened in my name. I contacted the company and they said they would look into it. The next day I received more emails detailing them setting up online banking and the card was on its way
Product: Debt collection

The XXXX account was deleted from my credit on XX/XX/XXXX2016 after I initiated a dispute for the account. Now after reviewing my credit file I noticed it was placed back on my credit and I received no communication of this. This is a violation of my FCRA rights and I would like this removed because this has caused damage to my credit score twice now since it has been re-inserted without any notification in doing so.
Product: Debt collection

XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Subj : Please Verify Debt Below Account Number : XXXX Original Creditor : XXXX XXXX Balance : {$2000.00} Dear PORTFOLIO RECOVERY, This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Consumer Financial Protection Bureau ( CFPB ) and other states/federal agencies. 

Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt. 
2. An agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 
3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

Thank you for your time, XXXX XXXX
Product: Credit card or prepaid card

Synchrony Bank who runs the credit cards for XXXX  XXXX XXXX is engaging in highly questionable credit practices. 

My wife and I opened a XXXX XXXX XXXX  account in XX/XX/XXXX, the initial credit line was {$3000.00}. Within 90 days, Synchrony lowered the credit limit on this account by {$500.00}. All of our payments were on time or paid early. When I asked the representative why it was lowered, I was told my wife and I were 'high risk creditors '. 

It is now XX/XX/XXXX, as my wife and I sit here watching tv I get an alert that one of my credit files was updated. I logged in to XXXX  and found out that Synchrony closed our account. Closed an account within 7 days of receiving a large payment. We didn't ask for this account to be closed, in fact we were paying the balance down to prepare for purchasing a house. And now this account is closed. We wouldn't close the account when we were told specifically not to by a mortgage broker. 

After looking online, it has come to my attention that Synchrony is doing this to people all across the country.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX about the following incorrect information on my credit report. To this date they have not responded. 

Because of incorrectly reported data, I require that your bureau verifies the XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$7800.00} ), account. I am unsure of the accuracy of the XXXX of {$7800.00}, that you report for this account, because I dont recall owing such a high amount. Your agency presented this account as closed and charged-off, so the Past Due amount is not supposed to be provided for this account. I am going to clarify this matter with the creditor. In the meantime, I ask you to mark this account as disputed, so that it won't have any further negative impact on my credit score. In addition to that, I request from you to verify the Date Opened, Date of Status and First Reported for this account. 

I require that you verify the account identified as XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$990.00} ) because your reporting represents the information incorrectly. The Balance of {$990.00}, reported by you is inaccurate, because I believe it should be a lower amount. Moreover, the Past Due amount shouldn't be presented by you, as this account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor, so that this account is not held against my credit standing. Also, I require that you verify the Date Opened, Date of Status and First Reported. 

The account XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$1900.00} ) needs to be examined due to incorrect reporting. The Balance of {$1900.00} that you report seems to be higher than the Balance that I remember. Your agency presented this account as closed, so the Past Due amount is not supposed to be provided for this account. I think it may be beneficial to address the misleading data directly with the creditor. I am determined to immediately proceed with such course of action, but I need your agency to report the account as a disputed while I'll be trying to find a solution. 

The following account is not mine COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$360.00} ). Please remove it from my credit report.