23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ON XX/XX/XXXX I received a cancellation notice from XXXX XXXX XXXX XXXX phone. They stated in the notice that I had a past due balance of {$140.00}, and my services had been suspended for all numbers associated with the account. I did not take any action as I had paid the bill in full on XX/XX/XXXX amount {$140.00}. 
I opened the account with XXXX XXXX XXXX on XX/XX/XXXX but I started having billing issues beginning of XX/XX/XXXX. I was charged {$110.00} even though my monthly payments was {$71.00} an overcharge of {$48.00}. I talked customer service and they stated they will prorate and I will pay {$23.00} instead on XX/XX/XXXX my bank was charged {$29.00}. I complained again to customer service about the increase but nothing was done. 
I was in a 2 years contract but after 8 months I decided to terminate early my contract. I went to XXXX XXXX XXXX  store in XXXX, TX on XX/XX/XXXX. The manager offered me a deal to pay {$140.00} of the remaining 12 months of the contract. I paid it off on XX/XX/XXXX. 
I went again to XXXX XXXX XXXX on XX/XX/XXXX after receiving the cancellation notice but, the store attendant could not pull up any of my information, it's like I never existed. Apparently, when one of the technician was working on my phone he accidentally erased the number I was using at the time. 
Because XXXX XXXX XXXX is falsely collecting this amount and reported me to all 3 credit bureau my credit score went down 23 points. The turned this bill to a collection agency SEQUIUM ASSET SOLUTION who opened a collection account on XX/XX/XXXX and the account is noted in my credit report and it is having an enormous impact on my credit score
Product: Credit reporting or other personal consumer reports

Ongoing issues with UWM, we did not know our loan was transferred to XXXX XXXX and still have not received notice. Also, did not know our autopay was stopped, they claim delinquent funds however no evidence at my bank nor did receive any notification. 

We found out from a VA letter. UWM claims they tried to call and send a letter however nothing showing on our electronic correspondence or physical mail. They finally fed ex us a letter and included letter of late payment, however do not believe they really mailed it and possible made it up when we complained. They only responded after compaining to multiple agencies. 

UWM is trying to close our complaints stating it is resolved, but it is NOT. We still need notice of transfer and also our credit report corrected. 

We can not reach a real person to help and still have many issues with this company.
Product: Credit reporting or other personal consumer reports

on my experian credit report there is an account which is not my. i ve never heard about this bank. account name is XXXX XXXXXXXX XXXX XXXX open date is XX/XX/2022
Product: Debt collection

This complaint is against the co mpany " Transworld Systems ''.      Currently, they are reporting that I owe them a total of {$1400.00} on my credit.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report.     Why did they not send me a notice of my right to dispute this debt before they reported it to my credit?     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     To facilitate the CFPB 's investigation, I have acquired the account number of this unknown account from a recent credit report. The account number is listed as follows on my report : "  XXXX  ''. My report indicates that the account has an " open date '' of  XXXX   2016 .
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment with the handling of fraudulent items on my credit report, particularly in response to my eighth attempt to have them removed. 

This repeated failure to address the issue adequately is unacceptable and has caused immense stress and hardship. It is imperative that these fraudulent items are promptly and thoroughly investigated and removed to prevent further harm to my financial well-being and reputation. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these fraudulent items. It is essential to restore confidence in the accuracy and reliability of information reported on credit reports. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX 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

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. 
Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 and XX/XX/2022 2022
Product: Debt collection

I have contacted this company via certified mail on   XXXX  1 7sending a HIPAA letter requesting VALIDATION of this debt. The company, in turn, responded with a VERIFICATION letter which does not validate this debt. I have not signed any documents with this company allowing them to have my medical information, nor have I entered any contract as to why this debt would be owed to them. I have no knowledge of this company and am in need of validation of the information. I will send out another HIPAA letter requesting VALIDATION of debt and f ile a complaint with the BBB.
Product: Credit card

The approved me for a $ XXXX line of credit. I used it and have auto debits which make every payment on time. Without warning, they lowered the credit limit below the amount owed so they can only withdraw payments and I can not use the account. The reasoning is that they received info from XXXX which caused them to lower my line of credit below the amount I owe. I have a perfect payment history with them and instead of raising my line based on actual performance, they found an excuse to lower my credit line which caused harm to my credit score. They sold me the card as a benefit to assist in raising my score. By lowering available credit, this caused my credit score to drop, causing me harm, not help.
Product: Credit card or prepaid card

This concerns the XXXX XXXX Visa card. 

To reserve some cash for a summer vacation, I paid {$5000.00} out of XXXX on a monthly bill in XX/XX/2018. This left a balance of {$2200.00} that carried over onto the next month 's bill. At the end of the  following period, I paid the statement balance in full. For the first month I was charged {$58.00} and for the second month -- the month for which I paid the entire statement balance -- I was charged {$120.00}. This means I effectively paid 8 % to carry a balance of {$2200.00} for one month on a card for which I only have a 16.99 % APR. There is no clear way to understand this on their terms and their explanation only confused the matter. I tried to clear this up with Citi on XX/XX/XXXX to no avail.
Product: Checking or savings account

This is for CashApp, as there are five transactions in my account that were unauthorized, fraudulent and not completed by me. All the money saved in my CashApp account was wiped out by someone who had unauthorized access to my account. An online hacker specifically. I have contacted Cashapp support more than once, and they refuse to help me with this issue in order to get my funds back. They closed the investigation and claim that I did authorize the transactions. My savings was wiped clean, and CashApp refuses to help me with my dispute. 

These are the following unauthorized transactions : XXXX. XXXX {$12.00} XX/XX/XXXX XXXX. XXXX {$3400.00} XX/XX/XXXX XXXX. XXXX {$3400.00} XX/XX/XXXX XXXX. XXXX {$1200.00} XX/XX/XXXX XXXX. $ XXXX {$1200.00} XX/XX/XXXX XXXX
Product: Debt collection

Bank of America is reporting my old account as " late '' XXXX. This account was paid in full. They were reporting correctly and then erroneously changed my reports.
Product: Credit card

on XX/XX/2023 I mailed citi bank a check to pay my credit card in full. the reason i mailed the check is that the line at there bank was to long for me to wait in and they do not have a night drop box. Please note my payment due date was the XXXX which was a sunday. 

One would think that Citi bank and all major credit card companies could automatically adjust there payment due dates on statements to the next business day when a due date falls on a Sunday or that they could check there post office box on the weekend. however doing so would cut down on there fee income. 

furthermore i suspect they will now try and charge me interest on the balance for paying on the first business day after the due date. I also suspect that there charging this {$41.00} fee is a violation on US postal regulations, note they mail me my statement VIA the USPS. 

You need to get this fixed as Citi bank and the rest of the XXXX banks are charging crazy fee 's that there systems could prevent by complying with USPS regulations which state they must us the post mark on the envelope.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/, I fell victim to two multi-layered scam operations run by XXXX XXXX  and XXXX XXXXXXXX which involved me making deposits for a total amount of XXXX USD from my XXXX XXXXXXXX XXXX XXXX and XXXX XXXX  account to KeyBank at the instructions of the scammers. 

Given that their client, owner of XXXX number XXXX, was an active participant in the movement of my money, which eventually ended up with the Company, KeyBank have not exercised their duties to identify this suspicions scheme in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax are reporting inaccurate information on my credit reports. There are addresses and aliases that do not belong to me. I have tried fixing this problem but have yet to hear anything back. This is negatively affecting me. I have already submitted documentation claiming that I believe that I was a victim of fraud. They are reporting different names and addresses on each report. I am exercising my right under the Fair Credit Reporting Act 611. The following addresses and aliases are reporting incorrectly and must be removed immediately. Please reference the letters that are attached to see the inaccurate information. These letters were sent over 30 days ago. I am seeking litigation if not removed.
Product: Debt collection

This company has added this debt to my credit report after being resolved and removed from my report months ago. This company continuously add on additional amounts when adding this debt on to my report. I have made several attempts at contacting this company and the bureaus to have this removed ( in which it was removed and was placed back again ). This debt is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX ; XXXX XXXX TXXXX XXXX XXXXXXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$360.00} ; XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the the fair credit reporting act XXXX Accounts # XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the the fair credit reporting act XXXX Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

15 US. C 1681 section 602 A states I have the right to privacy 15 US. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Medical Bill was already paid by XXXX to XXXX XXXX on XXXX 2016, but CIB still shows a balance of {$680.00} dollars, this account needs to be in a XXXX balance. 

CIB account # XXXX
Product: Debt collection

To Whom It May Concern, XX/XX/XXXX I took out a payday loan at XXXX XXXX XXXX XXXX. I took out a loan for XXXX I Miss a late payment. I paid the entire loan off In  XX/XX/XXXX. I have receipt to prove my merits On this matter.
Product: Credit reporting or other personal consumer reports

i got an alert from XXXX  my ssn got exposed on data breach someone used my ssn that effected my credit scores, the phone number and address on data breach aren't mine. i'm from XXXX texas.
Product: Mortgage

We have a owner builder construction loan. We are now ready to close which is over the time limit because of the virus. Contractors closed and had to put construction on hold under contractors could once again proceed. Now the bank wants to charge us at closing for going over the time limit thru no fault of ours and not willing to budge
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 has violated my rights. 


15 U.S.C. 1681 section 602 A. Status 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 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report counting 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.Cs-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: Vehicle loan or lease

I had a previous issue with my checking account which i have resolved by obtaining a different checking account with a new bank however because I have had too many NSF checks because of the previous bank I was with Santander Consumer USA will not allow me to either make payments online or send a check to them as they will not accept them and they expect that I now either call in and pay with my debit and pay an outrageous fee on top of the ridiculous interest I already pay them or they expect me to use XXXX XXXX or XXXX XXXX  which costs even more in fees to pay my bill.. What I am seeking is for them to accept check from the new banking institution that I am with and allow me to use the free pay options that they offer to other consumers. I feel as though I am being held hostage and being discriminated against because I don't have the same options to pay my bill with no fee that every other customer has. I want the ability to either send a check to them and have them accept it or to be able to pay online. I cant even pay the lower fee of paying with a debit card online as they have that locked too. I don't have the time to be calling them every month and speaking with them is very stressful because I don't get consistent information with my questions. They are the worst financial institution I have ever had to deal with. Hopefully the CFPB can help restore my opportunity to be treated as an equal consumer amoungst my peers.
Product: Credit reporting

I have made several attempts with Experian including sending them copies of the correspondences sent to the unauthorized company ( XXXX XXXX XXXX ) of which I have no contract with nor have I done business with them and they have never responded to any of my debt validation letters to verify validity of this alleged debt that they are stating that I owe and Experian is continuing to allow this unknown company ( XXXX XXXX XXXX ) to continue to report fraudulent invalid debt to my personal credit file without my consent hurting my credit and also communication with this 3rd party who I have no knowledge of ever owing a debt to or having a valid contract with nor have they proven to me that I owe a debt and they have the authority to collect a debt on behalf of some other alleged creditor and report negative items to my credit file. Experian and this alleged debt collector are both 3rd parties communicating with each other and Experian is sending this third party debt collector information that I am sending them without my consent. Even after the documented certified proof of the debt collectors failure to respond to the consumer to validate this debt, Experian still refuses to remove this unverified invalid account from my personal credit file because they are stating that XXXX XXXX XXXX is verifying my name, address, phone number, and S.S. # but not providing proof that they completed a true and correct real physical investigation regarding the validity of this debt and account. I have completed all of my Administrative Processes to get both Experian and XXXX XXXX XXXX to verify that this is a true lawful debt that I owe and they are both ignoring my correspondences as I am following the procedure provided to me by law to validate this alleged debt of which I can not get any feedback from XXXX XXXX XXXX proving that this is a valid and lawful debt that I owe and that they have the authority to collect on the behalf of the Original Creditor by producing to me a certified true and correct contract signed under penalty of perjury stating that I owe them or the original creditor any kind of debt.