23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hello, I have my credit score drop from XXXX to XXXX in last few weeks because XXXX credit card account is not able to pull up my disputes and has been charging me interest rate and mimumum payments on the disputed transactions since 2022. They initially gave me the refund took it back and then gave it back to me and then took it again without notifying me. I have called them several times and told them that i changed my bank account and I was tired of the automatic withdrawal for minimum payment every month. 
I told them to put hold or do I need to keep making payments but they told me don't worry we will take care of it. But instead they made my account deliquent and ruined my credit. 

Even after staying on the phone with them over an hour they didn't give me any resolution and told me to call back again. I ended up paying {$480.00} for charges that I do not owe. I have not used the card in the last 3 years besides monthly XXXX subscription being charged to the account. 

I really need help to restore my credit and fix this issue! 

Thank you. 

XXXX XXXX XXXX
Product: Credit card

I believe the account is invalid. TRANSWORLD SYSTEMS INC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.TRANSWORLD SYSTEMS I XXXX
Product: Mortgage

At the end of XX/XX/2019, I received a call from PHH Mortgage Services that I was in arrear in my mortgage. I told them that this could not be the case since my account has automatic payments being made and a payment had been made. The PHH individual indicated to me that they saw the payments and since there was money in my account that I shouldn't worry because the monies would be applied to my mortgage. That was not good enough for me. I asked to speak to an escalation officer. 

When I spoke to the escalation officer he told me that they were reviewing my account because there was a first and second on the account but that everything would be resolved shortly. 

PHH Mortgage had been acquired by Ocwen Mortgage. Originally my loan was with Ocwen bu they transferred it to PHH to service it. 

Subsequently I started receiving default letters for non payment and then recently I received a letter stating that they would stop accepting my automatic payments because of the status of my account. 

Last week I tried to reach out my point of contact, XXXX XXXX ( XXXX ext XXXX ) and was told she wasn't available but I spoke to another representative about my situation and she wrote up a ticket for Ms. XXXX to follow up regarding my payments, credit reporting, and to provide me with a detailed accounting of my payments. When I called this week ( yesterday, XX/XX/2019 ) to speak with Ms. XXXX, she was again not available and when I asked about my ticket, I was informed that Ms. XXXX had closed out the ticket. 

I was livid and asked to speak to another escalation officer. This time I spoke to XXXX XXXX ( XXXX ) XXXX and told her my frustrations with PHH. She told me she would immediately have the billing department apply my payments, correct any credit reporting, put me back on the automatic payment plan, and provide me with a detailed accounting of how my payments were applied. As of today, the payments have not been applied to my mortgage. 

I am filing this complaint to help me resolve the situation regarding the payments on my mortgage with PHH Mortgage Services. 

Thank you P.S. I have direct payments made from my bank and I should be current through XXXX or XXXX since I have made advance payments. 
The bank statements show all of my payments being put into suspense accounts.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ) Representative, I am writing to express my deep frustration and concern regarding the ongoing inaccuracies on my credit report managed by TransUnion and the negative impact it has had on both my credit score and my employment opportunities as a XXXX XXXX. Despite my diligent efforts to address these inaccuracies, including working with a reputable credit repair company, I have encountered serious challenges with TransUnions dispute process. When I submitted a dispute regarding the incorrect information, TransUnion stated that the information was verified. However, it is clear that no genuine verification took place. The company appears to rely on automated systems or technical scans, rather than conducting thorough investigations to confirm the accuracy of the data. This lack of proper verification is profoundly troubling. 

Moreover, TransUnion has claimed that my disputes did not originate from me, which is entirely false. This claim demonstrates a lack of accountability and transparency on TransUnions part. By failing to appropriately address legitimate disputes, TransUnion is perpetuating inaccuracies that drastically lower my credit score and harm my financial standing. As a XXXX XXXX my credit score directly impacts my professional opportunities, as employers often conduct credit checks as part of the hiring process. These errors on my credit report, compounded by TransUnion 's failure to investigate thoroughly, are jeopardizing my career and financial future. 

I urge the CFPB to intervene and hold TransUnion accountable for ensuring that disputes are properly investigated, rather than relying on flawed automated processes. Consumers deserve a fair and transparent system to resolve inaccuracies in their credit reports without being dismissed or ignored. 

Thank you for your immediate attention to this matter. I look forward to your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft, Every hospital bill on my reports are fraud. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  And XXXX XXXX are fraud. 
I did not consent. My identity was stolen. 


Please send to all credit bureaus
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX XXXX XXXX  : {$420.00} Account Date : XX/XX/2022 Please remove all names other than " XXXX XXXX XXXX '' and remove all previous addresses. 

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

15U.S.C 1681 section 604A. section : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing 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.C. 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX and inaccurate information on my credit reports with XXXX and XXXX in the amount of XXXX After months of begging them to validate the debt by providing copies of anything baring my signature they have refused. I have been repeatedly disputing this item on my credit reports and I also filed a complaint against the credit bureaus for not completing an accurate and proper investigation as they continue to report this false collection on my reports. I have provided them with my information and copies of the mail and emails from the original creditor and they all refuse to refrain from violating my rights. Also there are two inaccurate accounts reporting on my credit report with XXXX and XXXX from Wells Fargo Home and Wells Fargo Auto. The dates are inaccurate I was never late and I paid my car off in full owing nothing to the bank. I asked both bureaus to investigate and they electronic submit my dispute and report it is verified after I have asked them multiple times for proof. Wells Fargo Home has inaccurate information reporting that I have late payments no proof of this has been received and they continue to falsely report the wrong dates on my report the age of credit is incorrect and the amounts. I disputed all three inaccurate accounts again XX/XX/year> and filed a complaint with the bureaus that does nothing at all.
Product: Debt collection

Notice for Proof of Claim Account : Sentry Credit and the balance of {$1100.00} .To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill XXXX or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Debt collection

Hi, Ive been disputing with this company XXXX XXXX XXXX XXXX for awhile about this fraud debt. The company verified the account was not mine and the charge was not mine. Also the XXXX  office said the charge was not made by me or anyone on my plan. However, they sold the debt and the responsibility to remove fraud was on the debt owner. This company continuously gives me the run around. When I started disputing months ago providing all documentation the debt was around XXXX $ now its a over XXXX . I asked to pay off to get it off my credit report and they tacked on more fees and have no online system to verify payment and get documentation of proof of payment. 

Originally company took over 60 days to respond which would be an automatic deletion from credit file. However, I wanted to gain as much information about the fraud to report to FTC. This account is fraud. Rep even looked up the account and gave me the name of the person and told me I needed to contact them and go to court to sue the person to pay them for the debt which is unethical. Please remove as this is fraud. This was a line of credit and not part of any plan I had XXXX office proved it wasnt anything covered by my plan and I did not sign for the treatment nor was the treatment done on anyone from my plan. XXXX office states it was fraud.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXXXXXX BALANCE {$1500.00} Account Name : XXXX XXXX  XXXX XXXX BALANCE {$1100.00} Account Name : XXXX XXXX  # XXXX BALANCE {$5500.00} Account Name : XXXX XXXX  # XXXX BALANCE {$20000.00} Account Name : XXXX  XXXX # XXXX BALANCE {$3600.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$0.00} Account Name : XXXX XXXX XXXX XXXX # XXXX BALANCE {$4600.00}
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


The address are as followed : XXXX XXXX XXXX XXXX, XXXX CA XXXX AND XXXX XXXX XXXX, XXXX XXXX CA XXXX There are XXXX invalid and inaccurate addresses listed as my place of residence. Due to concerns for identity theft please delete all invalid addresses.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I recieved in the mail a letter explaining that I qualified for a XXXX loan which could be paid back in installments instea of the next paycheck payoff. It was mailed to me on XXXX XXXX, XXXX offer stated that I was pre approved for $ XXXX and that the offer expired on XXXX XXXX, XXXX the letter state that this was not a payday loan. nowhere on the letter dose it state the interest rate or the length of time I would have to pay back the loan amount. It simply gave me the imprestion the loan would not have to be paid back the next pay period, rather I would be able to make payments. I was hesitant in getting involved with this with concerns that it would be a repeat event from a payday loan I took out for 5 days and ended up paying hundreds of dollars back. I did not want at all to get mixed up in that again. I was given a phone number to call XXXX I called the number and started the loan proccess. I spoke with someone who I can only assume was a representative of the company. she said lots of things about loan and about truth and lending but did n't disclose the interest It wasnt till after I accepted the loan offer was I made aware that the {$400.00} loan would be financed at over 600. % interest. and that if I were going to be making all the payments I would be paying {$200.00}. on each consecutive payday ( the XXXX unless its on a weekend ) until the loan was paid back totaling {$1900.00} or a onetime payment of {$600.00}. at this point I was taken back by this info and quickly put to paper the the XXXX found out that they are not charging the amount that the interest came to be they rounded down or something. If you ask me this is a payday loan.which they faulsly claimed to not be. even worse then a payday loan have they turned out to be. I am recieving social security XXXX XXXX.which before I pay for my medicare premiums so I get {$840.00}. directly deposited into my XXXX checking account as you can guess a {$600.00} hit would be very damageing for that current month.
Product: Debt collection

I just received a notice on my door of someone trying to deliver " court documents ''. I searched the county court records and found that a debt collection company ( MIDLAND CREDIT ) that purchases debts is suing me. I never signed anything with this company. I looked them up and everything says this is a scam. They have a form on their website where you can " look up your debt ''. When you attempt to, it says in small letters " by clicking continue, you are agreeing to the terms and conditions ''. So I clicked on the terms and conditions and it says by clicking continue, you are agreeing that you have a debt/ account with them. They're trying to trick people into a legally binding agreement with them even if you don't have an account with them! I've also read that one of their tactics is not attempting to have you served until right at your court date. I haven't been able to obtain any court documents, summons or anything and they came to my house today, the day before XXXX when I wasn't home. I've read that they hope to have you not show up so they can get a default judgement and garnish your wages. This is not legal!
Product: Credit card

Yesterday, XX/XX/25, I was notified that my last standing AMEX account was closed effective immediately. 

They immediately forfeited my XXXX membership rewards points. I hopped on live chat immediately and began inquiring into this matter. They refused to reinstate my account or my points and told me to pound sand essentially robbing me of {$1200.00}. I transferred these points, after thorough confirmation from live chat previously, numerous times, from my XXXX card which I cancelled on XX/XX/XXXX. I funded the account that day with these rewards points. 

They are refusing to reinstate and will not give me my points. I want my points. Thats it.
Product: Checking or savings account

I opened a checking/savings account package with Citi Bank through a promotional offer. The offer was that if I maintained a combined balance of {$15000.00} for 60 days, Citi Bank would give me {$400.00} within 90 days after the 60 day balance requirement was met. 

I opened my account in XX/XX/2018. The {$15000.00} balance requirement was fulfilled on XX/XX/2018. 60 day requirement was met two months later in XX/XX/2018. 90 days had passed in XX/XX/2018. I called Citi Bank as I had still not received the bonus. The customer service representative could not help me. I tried the chat service. All the customer service representative just repeated what the promotional offer was but the issue was not resolved. Both of the customer service representatives had no updates and had no information to resolve the issue. The representatives told me to continue waiting additional days on top of the 90 days I already waited. 

Citi Bank shows no urgency or respect for my time, nor do they show that they care that they are misleading their new customers with a false advertisement promotion.
Product: Checking or savings account

dear sir, the problem being that i submitter a payment from XXXX XXXX in XXXX, louisiana of XXXX to authuris this payment to XXXX/us bank , on about XXXX instead they were 2 seperate transferes on the same day within a short amount of time and another transfere of XXXX was transfered from my account @ XXXX, i want XXXX returned to my account, i only authorised one payment of XXXX.called XXXX for assistance and was turned over to someone i could not understand what the problemi is or how to fix it, ... ... ... because of this, there will probaly be checks that will bounce..please help out, i live on social security and every dollar counts, i am a old vetran trying to live in this world to see my grand child before i die. XXXX XXXX The name of the supervisor I am dealing with at US Bank is XXXX XXXX phone number XXXX.
Product: Debt collection

I was called by ARS, Account Resolution Services, agent " XXXX '' at XXXX XXXX on XX/XX/XXXX. I was already in a stressful situation as a company I am in good standing with debited my checking account and I was scrambling to resolve the issue of an overdraft. I informed her that I was unable to pay anything at this time due to not being employed due to XXXX for over a year, and now having this debit on my account that I was not expecting so I had nothing to spare anyone at this time. She then stated, " Well, if you have debits coming off your account already that is going to be us shortly. So, what are you going to do about it? '' This in my mind implied garnishment of my already dwindling savings as well as any money in my checking account. As my XXXX are aggravated by stress this did not help the already escalated situation. I was on the verge of rash behavior as it was, and this almost put me at the edge. I have sent a written letter to the company informing them of the agents actions, that fact that I am currently in the process of a XXXX claim with court date pending, and that due to the ramifications of that call all contact is to be terminated. The agent in so many words threatened me, and this has caused XXXX. I have not denied the debt, but at this time and until my XXXX hearing, I can not pay and I don't appreciate being threatened.