23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

American Express Savings constantly & non stop sending me email asking me to fund my savings account. So time came i had some money and funded mentioned Savings Account. Ive probably move movie ( {$20.00} not more ) from my external pre paid account to this savings & vice versa. Until one day I eas to login to check status of a certain transfer, i couldnt login so I call and talk to someone and asked whats the status of my account why dont i have the access to it? 
He went put me on hold, then came back and told me, theyve decided to close my account due to suspicious activity? Anyways, long story short, i accepted their decision bec i dont wan na have to argue with themnbec funds are less than {$100.00} dollars! Which is not my point though. My frustrations are.. theyve closed my savings account and kept my funds too??? Why is this happening to me to much? I cant put my life back together bec of all these XXXX! Please XXXX me retrieve my money back! I need it!
Product: Credit reporting, credit repair services, or other personal consumer reports

it is showing on Transunion report that I have a derogatory account with is not mine, That information was opened on XX/XX/XXXX, I did not even had a credit history in that time, not even a social security nor a ITIN number, this information is fraudulent and I already call to the bank to check the information, now its remarked again. 
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT TTACHED Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted TRANSUNION and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

TransUnion Credit Report Check your credit report for signs of theft, fraud, or error. 

Updated : XX/XX/XXXX Back to Credit Summary Accounts With a Negative Pay Status LENDER TYPE BALANCE XXXX  XXXX XXXX COLLECTION/CHARGEOFF Credit Cards {$0.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Paid Account Details Account Type Secured credit card Responsibility Individual Credit Limit {$300.00} Credit Used 0 % Available Credit {$300.00} Highest Balance {$400.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX Remarks Payment after charge off/collection. Settled - less than full balance.
Product: Mortgage

We took out a XXXX mortgage with Green Tree for our childrens school and medical bills. ( I 'm on the XXXX at the University XXXX ) I have written, called, Green Tree so many times and have gotten no response. All I wanted them to do is lower my interest rate of 9.65 to even 5 would help. I have never been late on a payment but its getting harder and harder to make those payments especially when principal is only XXXX from a payment of XXXX. Any help would be appreciated. I have told them when the transplant happens we may not be able to afford this with the medications being so high. I have NEVER heard back from them ... XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act XXXX account XXXX XXXX acct # XXXX, XXXX XXXX  acct XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, original creditor monthly payment acct # XXXX, XXXX acct # XXXX 120 day late payment, XXXX XXXX XXXX XXXX 30 and 60 day late payment have 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I noticed an unauthorized inquiry on my credit report and so I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  via certified mail on XX/XX/XXXX and asked that they remove this inquiry because I did not authorize them to pull my credit file and that they are in violation of my consumer rights under 15 USCS 1681 ( b ) permissible purposes. They never responded in the allotted time of 30 days provided to them through the FCRA nor did they remove the inquiry from my credit file. I later contacted Equifax on around XX/XX/XXXX informing them that XXXX did not have authorization to pull my credit file and that I contacted XXXX to remove it from my file however Equifax did not respond either.
Product: Student loan

I graduated from XXXX XXXX, XXXX, CA in 2009. Since graduation I have struggled to pay my student loans, due to terms of unemployment and low - wage paying jobs. I am in a better situation than I was 6 years ago but still struggle to pay my monthly payment. This has brought down my credit and increased the interest on my loan. I have tried numerous times to refinance my loan to bring down the payment to a more manageable monthly rate, each time Wells Fargo, who holds my loans, denied the request. With this I am on the verge of going into deferment with my loans. This is an issue many of us our dealing with. Who can help us out?
Product: Credit reporting or other personal consumer reports

I am writing to you with regards to an erroneous collection account that appears on my credit report. According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to demand full debt validation if a debt collection agency intends to report any debt on my credit profile. It has come to my attention that the collection account listed under your companys name has not been appropriately validated. 

I am hereby formally requesting that Transworld Systems Inc. and XXXX provide the following documentation, which constitutes full debt validation : 1. A copy of the purchase agreement between the original creditor and Transworld Systems Inc., clearly indicating the transfer of debt over the account in question. 
2. The original contract bearing my written signature, affirming my agreement to the services provided by the original creditor.

3. Documentation proving that Transworld Systems Inc. sent me a disclosure of full debt validation, notifying me of the alleged debt and my rights as a consumer under the FDCPA.

Please be aware that mere account information and statements will not be accepted as full debt validation. As a consumer, I reserve the right to demand stringent validation measures to protect my creditworthiness and rights.

Failure to provide the requested documentation within [ state a reasonable timeframe, from the date of this letter will result in further action on my part, including filing a claim against Transworld Systems Inc. for non-compliance with federal consumer protection laws. 

I trust that Transworld Systems Inc. and XXXX will promptly address this matter with the seriousness it warrants and take immediate steps to rectify the erroneous listing on my credit report. 

Thank you for your prompt attention to this matter.
Product: Debt collection

This is NOT MY DEBT nor do I have a contract with XXXX XXXX  or Jefferson capital I called to find information about this debt that isnt mine, when I called the person I spoke to was very rude I asked for dates of debt she said the Was charged off in XXXX then XXXX XXXX sold the debt to them in XXXX as I mentioned to them that it is not my debt and my credit report says different from the information being told she continued to talk over me without allowing me to continue or get more information. 

I also asked what effort did the company make to notify me on this debt and was told that they know my information is wrong in their system but refused to tell me how they knew and not notify me. 

I was denied verification to be sent via Email I was put on hold and then hung up on as a tried to call back for the information they somehow blocked my number from connecting.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from sec

tion 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

I have an Citi Dividend card. expired on XXXX. XXXX 2015. Last year i used this card to subscribe an subscription for a year. The subscription service was supposed to terminate in XXXX 2015. Anyway they charged the subscription fee last year. But subscription service provider automatically renew my subscription and tried to charge {$250.00} from my card again. I did n't know it because i was out XXXX at that time. Also At that time the card already expired. they issued me a new card with the same number. I never activate the new card. The credit card still let the charge go through. I did n't know there was balance on my card and never received any notice from the credit company. One month later when I came back, I miss the payment deadline 5 days. I had been charged {$250.00} plus {$25.00} late fee and {$4.00} interest for it. I immediately paid it to avoid more interest. the statement shows XXXX balance. Next month I used the credit card a couple of times, and I paid the balance on time. When I checked the statement online, I found they charged me a big piece of interest again. And the interest is not only from the {$250.00} but also from the balance i used after my previous payment although i paid in full on time that month. That is ridiculous and not honest. The total interest and late fee charge is about {$83.00}. Also I called the subscription service provider they canceled the service for me and issued refund for me. But the credit company hurt me a lot. Let the charge go through even I did not activate the card. And they tried hard to charge interest and late fee on it even the original charge was not placed by myself. I would want all my interest and late fee back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear. CFPB My name XXXX XXXX XXXX XXXX XXXX, XXXX, Transunion CREDIT REPORTS on collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Its not my collection. please remove it. 
Thank you. 
In accordance with the Fair Credit Reporting act XXXX Account # 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
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 ) ( XXXX ) ( 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 investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$170.00}
Product: Mortgage

Land Home Financial is reporting a debt discharged in CHXXXX Bankruptcy on my credit reports. I have notified them of this error previously and they have admitted their error but every year or so they start reporting the debt again.
Product: Credit card

fraudulent charges were made to my macys credit card. Someone obtained by my information and made charges to my account. Macys sent correspondence to the wrong address. I never lived at the fake address that Macys sent letters to. I filed a claim on XXXX XXXX, 2015. They claimed to have proccessed it on XX/XX/XXXX. Since then they have been investigatin without any indication of whether the charges were fraudulent or not. Now recently, under threat of litigation, there was some progress. The company stated that they were going to clear the charges and report it to the credit bureaus. I asked for a letter detailing the investigation was indeed over but a few days later, I get another call stating that the charges are clear but they are still investigating. They denied the request for letter given.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following fraudulent accounts are still appearing on my Equifax credit profile : ( no name ) Account number XXXX {$92.00} ( no name ) Account number XXXX {$83.00} ( no name ) Account number XXXX {$58.00} ( no name ) Account number XXXX {$0.00} ( no name ) Account number XXXX {$0.00} I disputed these accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 The fraudulent accounts are still on my Equifax profile.
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 investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX : {$130000.00XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX Balance XXXX {$130000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$35000.00} XXXX XXXX Balance : {$26000.00} XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX  XXXX Balance XXXX {$130000.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$35000.00} ( tied up ) XXXX XXXX Balance : {$26000.00} ( tied up XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint w/ the CFPB due to unlawful, inaccurate inquiries are on my Equifax and XXXX credit report that I don't recognize and need to be deleted.. They are a direct violation of the FCRA and my federally protected consumer rights..I informed Equifax, XXXX , and XXXX about the unlawful inquiries on all 3 credit reports and only XXXX did a proper investigation and found the truth.. XXXX honorably and promptly Deleted all the unlawful inquiries off my XXXX credit!! However XXXX and Equifax has ignored the truth and continued to intentionally & unlawfully list these inquiries on my credit and ruin my credit and my life!! 
XXXX, Equifax, and XXXX/XXXX  of XXXX XXXX needs to be punished if they don't delete these inquiries off of my credit right now! PLEASE SEE XXXX '' S ( XX/XX/20 ) FINDINGS TO THIS COMPLAINT.. Thank you in advance for your help.. 

XXXX XXXX XXXX
Product: Credit card

This is regarding my experience with Elan financial services. I had moved to XXXX, XXXX and became working resident here since XXXX 2013. I was locked out of my online account as I was using a different computer. Upon calling customer assistance they told me I needed a current credit card to be able to have access to my online account. However, my current credit card was sent to an old address in XXXX Colorado. Another thing worth mentioning is that the mail system in XXXX is extremely corrupt and I received about XXXX % of my mail sent from the U.S. The supervisor told me that the only way I could see my financial statements was if they sent them to me, or if they sent me my current card in XXXX. If they send me my CC to XXXX both my personal information and CC is in high risk of being stolen. All I want to do is pay off the balance, but I wanted to review my automatic payments over the last three years to ensure that my payments were properly allocated to both prinicpal and interest per my terms and conditions. However, they will only provide this with current CC information and they will only send this by mail, which will open me to both CC fraud and identity fraud. They will let me pay off the balance but they have denied me the right to review my statements and balance that I have been paying on for the last three years.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$28000.00}, {$0.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- XXXX ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DIDNT APPLY NOR GIVE ANYONE ELSE THE CONSENT TO APPLY WITH ANY OF THE COMPANIES LISTED ALL ARE DONE FRAUDULENTLY. 

1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXXXXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX  XXXX XX/XX/XXXX 7. US SM BUS ADMIN XX/XX/XXXX 8. XXXX / XXXX XXXX. XX/XX/XXXX 9. US SM BUS ADMIN. XX/XX/XXXX 10. US SM BUS ADMIN. XX/XX/XXXX 11. XXXXXXXX XXXX XX/XX/XXXX 12. XXXX XXXXXXXX XXXX. XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to XXXX, Equifax, and XXXX on XXXX XXXX to request some information on my credit report be investigated. I did not receive a response in the 30 days allowed so I sent another letter on XXXX XXXX with the same request and also advising they have infringed on my rights as a consumer. I have not received a letter in response to any of my investigation requests therefore I sent a third letter on XXXX XXXX. Please help me to resolve this matter. Thank You
Product: Debt collection

XX/XX/scrub>XXXX I was served court papers. This debt is years old and they never sent me a card so I wasn't able to log in and pay off. I called and tried and they said they do not see me in their system. I received XXXX letter for payment from a debt collector. They also want my card number and I cant supply them with XXXX as i do not have XXXX. I don't know what I am supposed to do. I don't not have any text or email with either company. this has also never hit my XXXX XXXX. now i dont know what i am supposed to do with court papers. 
bank of America id the original and first source advantage is the collector. amount shown owed is XXXX