23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020, I paid the settlement amount arranged of {$430.00} ( the original amount was {$670.00} ) with the collection agency XXXX XXXX XXXX ( XXXX ) on behalf of XXXX XXXX XXXX XXXX for my account. I also received a letter after the settlement was paid. 

This week XXXX XXXX alerted me of a new derogatory debt on my XXXX  report. In XX/XX/2020, XXXX XXXX XXXX XXXX hired a second collection agency, Credence Resource Management, to collect the " balance '' from the original amount. The balance of the original amount is {$230.00}. This is unfair and illegal because this is the same account I previously settled with XXXX. This is the reason I am filing this complaint. 

On XX/XX/2020 at XXXX PM I spoke with XXXX to ask why did XXXX XXXX XXXX XXXX put another collection on my credit report to collect the balance for what has already been addressed and settled. I informed her that I have a settlement letter from XXXX dated XX/XX/2020. She did not care about it. Her response was, " You have a pending remaining balance. '' She repeated that several times like a robot and had no intention to remove this balance from my cancelled account and/or to request the credit company remove this from my credit report. 

This is illegal and unacceptable. I want that collection off of my credit report. I have worked hard to pay off my debts and I no longer owe XXXX XXXX XXXX XXXX a debt. They are trying to force me to pay or else hurt my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

In Accordance with Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC-1681.

1. Us dept of education TransUnion : account number XXXX XXXX : account number XXXX 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 an account without my written instructions.

15 U.S.C. 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of these following items of information
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that XXXX XXXX XXXXXXXX ACCT # XXXX or Acct # XXXX is attempting to collect on an expired debt. I am invoking my right to cease them, based on factual law that this debt in question is legally expired under the Statute of Limitations and Must be Deleted from my credit report the last date of activity was XX/XX/2018 I am completely aware of how long the debt is legally collectible and how long it is legally reportable. I realize an OPEN-ENDED DEBT is allowed to be reported to my credit for 3 years in the state of Virginia according XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX My research has shown me that often a collection agency and original creditors will reset the date of the original charge off to the date they purchased or sold it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I am informing you of this knowledge so that you can make the credit bureaus do the right thing. 

Also this account is showing 2 different kinds of account number XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all XXXX credit bureaus via phone and mail over the past 3 years to try and establish my credit report, which doesn't seem to exist. I have sent information by mail to establish my identity ( 2020 ), but I still can not access my credit report in any bureau.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, and XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in few fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

We have submitted a complaint for this issue previously but we were told they were n't calling our main number that I listed. The company made no effort to contact us to determine what number was being called. Now I have listed the numbers for our office. This place KEEPS calling over & over for someone that does not work here! I stay on the line EVERY SINGLE TIME so that I can tell the person to remove our number, they kindly say they will and then never do! Today I called Gila Corp and a lady by the name of XXXX picked up to help me, the second I told her I had previously filed a complaint with the CFPB she instantly hung up on me, what great service huh? This company is absolutely HORRIBLE and will not stop calling our place of business.
Product: Credit reporting or other personal consumer reports

My account with those accounts was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 in those account 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. 


Never Sent the periodic statement along with the disclosures from section 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 or prepaid card

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX RE : Barclays Bank annual fee Account number ending in XXXX FCRA Credit Bureau Disputes XXXX XXXX XXXX XXXX DE XXXX Dear Sir/Madam I opened a travel miles card with Barclays bank for travel miles in the fall of XXXX. I used the card a couple of times, paid it, and stopped using the card. I never collected the travel miles. 

I did not realize there was an annual fee. I elected for electronic statements and was not checking them as I did not use the card. I did not pay the annual fee. Barclays said this went on for 4 billing cycles. Barclays says my account now has a XXXX balance and they have reported this issue to the credit bureaus, harming my credit. 

I have called Barclays XXXX times to resolve this issue. Most recently on XXXX and again on XXXX, looking for a resolution. I offered to pay the {$99.00} if they would take this off my credit report even though I did not realize there was a fee. Barclays states there is no balance to pay and to only way to resolve this issue is to send this dispute. I also filed a complaint with Barclays on XXXX case XXXX. 

The following information is from my XXXX card that monitors my credit score. In XX/XX/XXXX, my credit score was XXXX, XX/XX/XXXX it was XXXX, XXXX XXXX it went down to XXXX, and XXXX. down to XXXX. 

Not only is this situation mean-spirited, Barclays has chosen to ruin my credit and not give me a way to resolve it. I asked this question multiple times with XXXXarclays should they be able to resolve the issue as they are the creditor. I would rather not file a complaint, but Barclays has left me no other option. Therefore, I am filing this dispute, and notifying the CFPB. 

Please respond to my letter in writing within 30 days. 


Sincerely, XXXX XXXX Email : XXXX XXXX
Product: Debt collection

Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I sent a person of the name XXXX XXXX who stated on XXXX that he owned a show business called XXXX. He stated that I should send him money through XXXX which is a company used through my bank USAA which I took a dispute out and received a letter back stating I would not receive my refund back for XXXX dollars because it was not a fraudulent transaction. I requested my money back from XXXX XXXX which was a scammer before I realized that I was being scammed. I contacted XXXX through my bank not knowing that my hard earn money would not be reimbursed because I didnt know of this. If I had known about XXXX not having a fraud protection plan I would not used them nor XXXX XXXX. I have banked with USAA for 17 years and I have never experienced this type of treatment or have ever been scammed. I would like to receive my refund back of XXXX dollars. Please do not use XXXX XXXX nor XXXX to do any online purchases. The guy got me for a total of XXXX dollars. I sent him {$920.00} plus {$320.00} on XXXX XXXX  and {$300.00} through XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX 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 in 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  Never Sent the periodic statement along with the disclosures from section 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: Debt or credit management

An unknown company is contacting people I know providing my personal identifying information over the phone and attempting to get their identifying information and to pay a debt over the phone. My concern is that this is fraud as they are attempting to collect a debt and have those people pay over the phone on an account that does not exist nor can they identify where the debt came from. This is the company and the number provided. This is the second time and occurred XX/XX/year>. 
Portfolio Solutions XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that the same of items were erroneous. The 3 credit Bureaus are required to investigate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please reinvestigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XXXXXXXX XXXX 2024 my checking account became overdrawn. US Bank then issued an alert on XXXX XXXX, 2024 stating that I needed to deposit a specified amount by XXXX XX/XX/2024 to be eligible to have the {$100.00} in overdraft fees waived ( XXXX {$36.00} fees ). I made the deposit prior to the specified deadline only to discover on the morning of XXXX XXXX, 2024 that there was apparently another payment draft taken out of my account ( {$10.00} ) and the bank reapplied the XXXX {$36.00} overdraft fees and an additional overdraft fee for the attempted draft. 

I was told that, though I met the deadline and fulfilled the specified deposit amount ( the bank gives you until XXXX the following day to deposit an amount that they specify to have fees waived ), they chose to reapply the fees. 

I explained to the representative that If the additional bank draft was attempted XX/XX/XXXX, how could it be included/lumped into the XX/XX/XXXX overdrafts? I requested the overdraft fees be waived and was told that that would not be possible. I then requested to speak with a supervisor. 

Once I reached the supervisor, he agreed to refund only 3 of the 4 {$36.00} overdraft fees. I voiced that this is unethical due to the fact that the standard next day by XXXX deadline should have applied to the XXXX XXXX draft for which I would be able to cover on XX/XX/XXXX. My request for the additional overdraft fee to be refunded was denied. 

I am requesting the opportunity to cover the {$10.00} draft and have the {$36.00} overdraft fee associated with it refunded.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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: Checking or savings account

There were XXXX transactions that were posted on the XX/XX/year>, Wells Fargo gives a XXXX business day XXXX period. There was deposit made on XX/XX/year> at XXXX am next business day and they still charged the XXXX fees, I called to have them correct error and they refused to fix it. They said they couldn't waive fees and they couldn't expedite my call either dismissing me with a reference number to have the rep hang up on me.
Product: Mortgage

I am a victim of hurricane Ian. My mortgage company received my flood insurance money since I still had an outstanding mortgage. My mortgage was paid off on XX/XX/2023. I was originally told that I would receive the balance of the flood insurance money immediately, then I was told it would take 7 days for me to receive the money, then I was told that it would be 15 to 30 days before my flood insurance money would be sent to me. I have repeatedly called and was transferred to different departments only to be told this last time that it's definitely 15 days before I receive my money. Now yesterday, XX/XX/2023, when I called I was told the check went out on the XX/XX/2023, and that normally it's 7 to 20 days. The mortgage company that I had was Specialized Loan Servicing. You can imagine my frustration when not receiving the funds which are due to me, which should have been relinquished to me immediately following the sale and closing of my home. Specialized Loan Servicing didn't even want to send the check balance to me overnight they insisted that they will only mail the check.
Product: Checking or savings account

Once again, I am getting burned thinking NFCU has changed their ways from the last issues I had. If I remember correctly, NFCU was fined because of their games. 
Monday XX/XX/XXXX I visited the NFCU branch on XXXX XXXX in XXXX, Az, to get a new debit card was lost. I was told I am unable to get help at the branch, only ATM and on the phone. Well, if I dont have a debit card, how can I get help, defies logic I know. 

I called the NFCU to find our why I cant get help in a branch and to get a card. It took over 30 minutes to find out the reason why I cant get help at a branch. Apparently, it was decided after a series of emails with NFCU my in-branch privilege was removed in XXXX, yes, XXXX. I am sure knowing NFCU, this was based on factless in morally corrupt decision processes by NFCU. I was told how to appeal the decision that is now almost nine years old. I sent an email to appeal this decision on Monday, XX/XX/XXXX, at XXXX hours ; I still havent heard anything even though the person on the phone said she was emailing the person she just talked to about my email. 
I decided to unfreeze my card so that I could access my money since I use XXXX XXXX. I found out when I tried to do that ; my card apparently has been deactivated since I could not use it anywhere I tried. 
Saturday XX/XX/XXXX I still have not received my card, just a PIN. 
I was attempting to use NFCU as my primary banking account and open a business account since there are local branches now. I dont think I should do that because NFCU is still in the game of denying members access to their money. 
This seems to be a common theme with NFCU, denying me access to MY MONEY. NFCU denies me access to MY MONEY. 
1. Not allowing me to get assistance at a branch 2. Not providing me a debit card in a timely manner 3. Disabling my debit card so I cant use with XXXX XXXX
Product: Credit card

My home is currently up for sale in XXXX. We moved to our new home in XXXX, and discovered someone is using our XXXX address to obtain credit cards from XXXX XXXX, XXXX XXXX and Discover. XXXX and XXXX XXXX denied this person credit ; however, Discover mailed a credit card in the fraudulent name to our mail box. We think this person comes by our vacant home and checks the mailbox for creditor responses. Our USPS was notified of our move ; however, only some of our first class mail is being forwarded. I hope you can provide advice. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received an alert from my credit reporting company that a hard credit pull was reported on my credit. I have a fraud alert & security freeze on my credit. I contacted TransUnion and was instructed to contact Bank XXXX XXXX to see if they will provide a letter clearing the hard pull. I filed a complaint with Bank XXXX XXXX XXXX department, in which I was told that someone filled out an application for a credit with them but the application has not been processed. I told them that it was fraud and that I did not fill out nor apply for any credit. I asked how was this application even get processed because I have a fraud alert & security freeze on my credit. I was told that the it can still be processed even with all the security measures that I have in place on my credit. Bank XXXX XXXX said that they would investigate & then notify me of the decision. I received a letter stating that the credit pull was correct & they will not withdraw the hard pull from my credit. I did not apply for any type of credit with Bank XXXX XXXX XXXX I want this hard pull removed from my credit. This is fraudulent & I have a freeze on my credit & fraud alert. Im trying to figure out how did this even get processed. It was listed as : BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX ( XXXX ) XXXX
Product: Student loan

I went to XXXX XXXX and I am trying to recover the funds I paid them for an XXXX loan they took out in my name. When I initially enrolled I was told that it was an in house loan and Id have to pay monthly. I specifically remember paying them on a regular basis. My degree with XXXX is not recognized by a lot of colleges when I tried to transfer my credits. They also promised to help find a job or they would pay my bills. I had to find job placement and even my externship places on my own with no help from XXXX. I have emails from when I tried to get my transcripts from them. In those emails you can see that they wanted me to pay my XXXX loan balance before handing over the transcripts. XXXX no longer exists and therefore my degree is not even recognized as being earned from an accredited school. With all the lawsuits surround XXXX foul play. I would like to see if I can recover some of the money I paid them. The thing about it is all my payment and loan info was mostly on my student portal email.