23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX, 2016 I talked to representative at Transworld Systems about my student loan account. I never given my new number out and the number that the company had was an old number. After speaking with the individual she was to send me a email via fax system for application as a Financial Disclosure for Reasonable and Affordable Rehabilitation Payments. I filed out this form and on XXXX XXXX, 2016 called and asked for the email to send it I was given a email to fax address. After which this woman representative continue to talk over me or past me trying to collect the debt when I was instructed to talk to woman I spoke to on XX/XX/XXXX. I asked for supervisor but no one would get the woman I spoke to in XX/XX/XXXX on the phone only said she would call be back it never happened. However, later this day XXXX/XXXX/16 I received a call from another company saying the company can lower my amount and payments. Now this was a new number because the it was only when I gave it out to Transworld Systems then I received this call from another company called " XXXX '' department. Today was also when I gave Transworld System the correct number because in there system the number was off by one digit. Therefore, my information and personal debt information was given without my permission and someone in the company gave it to a third party. I was never told that my information would be given to anyone or shared. 
This company that called me was " XXXX '' also texted me that 's third party violation as well because anyone can see text on my phone my wife, sister etc.. 
What I want from this? .. restitution. My reference numbers at Transworld Systems are : XXXX, XXXX. Transworld number XXXX and the number from this company called " XXXX XXXX XXXX '' is : XXXX
Product: Credit card or prepaid card

They keep giving me excuses that the late fees were for previous months. In XXXX I paid two payments, paying off the card XX/XX/23 ( due date XX/XX/23 ) and was charged {$40.00} late fee. Purchased an item on XX/XX/23, paid two payments one on XX/XX/23 and one on XX/XX/23 which paid the account off again. Received a late fee of {$27.00}. Made two charges on XX/XX/23 to XXXX which was only supposed to be {$72.00} but was charged {$180.00} ( disputed all but {$72.00} on XX/XX/23 - still havent got a response ), and the second charge of {$210.00} for the XXXX XXXX on XX/XX/23 for one night stay ; I now have a pending ( suspicious ) charge for the XXXX XXXX for {$20.00} dollars dated XX/XX/23. I checked in on the XXXX and checked out on the XXXX.
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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. 1681s-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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX RADIUSGLOBAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RADIUSGLOBAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

please delete all the fraudelent accounts and inquiries. I NEVER ACKNOWLEGDE THE ACCOUNTS AND INQUIRIES. PLEASE DELETE Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have tried to dispute the issue but the company says it has no record of my information.
Product: Credit card or prepaid card

On XXXX I realized that Citi Bank was charging 28 % on one of my credit cards with them. I immediately called customer service, I have been a member since XXXX never missed a payment until my husband died suddenly in XX/XX/XXXX. I called and explained the situation, they increased my APR at that time I did not realize it until XXXX. I called and did not get satisfaction, so I wrote a letter on XXXX to customer service, when I received my XXXX statement they had lowered my APR to 19 %. I called customer service again, asked about the change and to get a credit for the high interest charged and was told no. I paid off both credit cards on XXXX, they posted the payment to only one account, leaving a credit balance on one and a debit balance on the other. I call customer service again and was told it would take 7 days, it is now XXXX and I have yet to see the payment applied to the correct account, needless to say, this is being reflected on my credit report. Can you please assist?..
Product: Credit reporting or other personal consumer reports

In accordance with the Federal Credit Reporting Act the following creditors have violated my rights : - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.Code 1681 Section 602 states I have the right to privacy. 15 U.S.Code 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.Code 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Recently, while reviewing my credit report, I discovered several fraudulent accounts that were opened and used without my consent. These accounts are severely damaging my credit history and negatively impacting my ability to obtain fair credit. Under consumer protection laws, I have the right to have this information corrected and ensure my rights are protected. The applicable laws include : 15 USC 1681i : This law grants me the right to dispute inaccurate or fraudulent information on my credit report and requires credit reporting agencies to conduct a reasonable investigation and correct errors promptly.

15 USC 1681s-2 : This law outlines the responsibilities of information providers to ensure the accuracy of the information they report to credit bureaus and prohibits reporting fraudulent or incorrect data.

15 USC 1666b : This law provides protections for consumers against unauthorized charges or billing errors, requiring prompt correction of such issues. 
15 USC 1681c-2 : This law allows consumers to request a block on fraudulent information resulting from identity theft to ensure it is removed from their credit reports.

Identity Theft and Assumption Deterrence Act ( 18 USC 1028A ) : This law criminalizes the unauthorized use of personal information and provides penalties for identity theft, reinforcing the need to address fraud promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, i contacted XXXX XXXX to dispute identification records as well as public records like bankruptcy information. I called in XX/XX/2023, and they informed me that all information including bankruptcy records were deleted and my consumer file has been updated. I tried disputing the information with all XXXX buraus but they do not want to delete the information. On their websites it states that they get their information from XXXX XXXX.
Product: Checking or savings account

Unauthorized Card Transactions. On XXXX XXXX I was reviewing my bank statement and noticed transactions that I did not make. I had my card in my possession and did not authorize anyone to use my card. There was a lot of transactions that was made from XXXX, XXXX and other stores in Washington XXXXXXXX, and I havent been to Washington. I live here in California. Also while I was talking to the investigation unit from the bank, I noticed too that someone just used my card that day. It was started XXXX XXXX and just noticed the transactions XX/XX/XXXX. I have checking account with Citibank but I just keep getting letters from them that they needed more proof for the investigation. I gave them my bank statements already from the time the unauthorized transactions were made. Citibank says they dont have enough information to complete their research. But they have all the information like my bank statements. The total of the unauthorized transactions are {$3000.00}. Citibank dont wan na give my money back. Kindly pls help me regarding this matter.
Product: Debt collection

I have never had an account with this company, yet they have reported a delinquent account on to my credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly a collection in the amount of {$23000.00} on XXXX partial account number ****XXXX. ( Please see page 23 of the attached credit report. ) Number ( 1 ), this account is a business credit card account, and ( 2 ) this account should not be reporting at all on my 'personal ' credit report. Also, Equifax and XXXX  are reporting incorrect information on the XXXX partial account number ****XXXX. This account as well should not be reporting on my credit report. ( Please see pages 3 and 4 of the attached credit report. ) This inaccurate and incorrect reporting is harming my credit score and these multiple line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XXXX I received a letter from XXXX XXXX stating that a credit application had been denied back on XX/XX/2022 and listed a credit score that was incorrect to my credit score. 

I immediately called the company was transferred multiple times with no resolution. After asking for a manager several times I was passed off to TransUnion and told they were the ones who provided the incorrect information and this was based on a review of my closed account with them. I told them this doesnt make sense because this letter is stating that I was denied for a credit card I did receive and that was closed due to inactivity. I also asked once I contact Trans Union they advise of my correct score and it does not match listed score who do I contact then. Representative hugged and did not answer my question and requested I contact Trans Union I did contact TransUnion and they did confirm the reflected XXXX score was not correct on their end and they would not have reported that. 

I called XXXX XXXX back and told them this information and was basically told they could not help me and I would have to submit written confirmation and now they could not see this letter. 

Claim XXXX  with TransUnion is XXXX XXXXXXXX XXXX Did not provide a reference number to any of my calls just that I spoke with XXXX Rep Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and a copy of my Ballot with my name and address for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I submitted lawful affidavits to this company demanding the removal of all unauthorized information, a permanent freeze on my account and data, and a full revocation of any presumed consent to collect, store, or report my personal information. 
I am the Secured Party Creditor over the private estate associated with this account. This company has no verified contract, no valid consent, and no lawful authority to access or use my data under 15 U.S.C. 1681b, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), and applicable trust law.

I have demanded proof of authority or contract, which has not been provided. I am now escalating to the CFPB for enforcement and resolution. Affidavits documenting my demands are attached.
Product: Credit reporting or other personal consumer reports

This account doesn't belong to me. I do not have a loan with this company. Neither have I try to get along with this company. This has been listed on my credit report since XXXX. I've requested for it to be deleted multiple times throughout the year, it's now XXXX and it's still in my credit report. I want it off. I want to delete it. I do not wan na see this account anymore. This is fraud.
Product: Checking or savings account

On XX/XX/24, I paid my XXXX XXXX Property Taxes online, as I have done for the past 16 years with my same Wells Fargo checking account, by entering my account number and routing number. 

On XX/XX/24, I received an email from the XXXX XXXX treasurer stating the payment was not successful due to : No Account/Unable to Locate Account ( refused by the payer 's bank ). I was assessed a {$25.00} penalty and interest in the amount of {$55.00}. 

I called Wells Fargo to see what happened and the female rep only confirmed the routing and account number I provided were correct and to resubmit but not what caused the problem. She directed me back to XXXX XXXX and would not investigate further.
Product: Credit card

I had someone use my BestBuy Citi Credit Card on XX/XX/2023 to purchase a camera in the amount of {$1000.00}. BestBuy refunded this charge and issued me a new card. I have never even removed the sticker from this new card or used it, but today ( XX/XX/XXXX ), I received another fraudulent charge in the amount of $ XXXX. I have tried asking Citi Bank what I XXXX do to prevent this from continuing to happen, besides closing my account, since I do like to use this card on occasion. I have the physical credit card in my possession, but you are able to use this card in the store if you have a Social Security Number and Driver 's License. My Driver 's License is also in my possession and has never gone missing, but my Social was compromised during the XXXX breach. The associates must not be requiring a copy of my Driver 's License and are authorizing purchases simply using my Social Security Number. BestBuy can not provide any solution to this.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, a woman and a consumer who is a victim of identity theft. Someone has stolen and compromised my identifying information causing my credit standing to be damaged. My credit reports with Trans Union, XXXX, and XXXX have all been compromised due to the theft, and there are accounts being reported that include negative information as a result of the ID Theft. The accounts are : XXXX XXXX amount : {$10000.00}, XXXX XXXX amount : {$18000.00}, XXXX XXXX amount : {$17000.00}, and XXXX amount : {$1300.00}. I have filed an identity theft report and seeking remedy for the compromised accounts to be permanently deleted from my credit reports from all three credit reporting agencies. I need these accounts to be blocked, deleted, and removed from my credit report within 4 business days as required under FCRA Section 605B. I do not known anything about the crime or the suspect. I just want my credit standing restored. Please see my attached documents.
Product: Debt collection

Hello I have been contacting XXXX and also the creditors in regards to this matter. My identity was stolen, I am now working with XXXX identity works checking my credit report and I see something that isn't mine. I reached out to the creditors they agree that the account isn't mines and that it should be removed but they keep updating on my report. I am requesting that this account be removed from my report I have submitted documents to the company More than once to no avail also a c'est to disist letter.
Product: Mortgage

I applied for credit and was declined but never received a letter of declination. I did complete and online application and waited more than 20 days for a credit decision to be made when they state much faster review times on their website.
Product: Credit reporting or other personal consumer reports

I've submitted multiple disputes regarding information on my credit report by the company that are unauthorized, inaccurate, incorrect, and false. This is my XXXX request for your company to delete the disputed information and to correct my credit profile. I've attached copies of my recent credit reports and highlighted the inaccurate information to support my claims. I've found that the company has violated MANY of my rights according to the XXXX XXXX XXXX Act.The company has neglected to ensure the maximum accuracy of my credit report, failed to properly investigate the disputed information, continuously reporting inaccurate information, not complying with the regulations of the FCRA by providing me all relevant documents to support the decision of the investigation, and providing me a accurate credit report. I am holding the company responsible for their negligence