23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is my third complaint as I did not find out until today P & B Capital Group hired XXXX XXXX XXXX to harass me, XXXX XXXXargued at me that he is a lawyer and that he is going to sue me for several fraudlent debit card tranactions, When I keep asking for a legit name or address, Im told I am a XXXX XXXX XXXX that dont pay their bills, I was called XXXX XXXX. I was arged at and threated that I would be sued  and possible XXXX  time. When I ask for anything in writing, they tell me that P & B Capital Group already gave me that as P & B capital Group hired them to sue me, That P & B is their client. P & B is harrassing me through their own people and through this second business, I want the harassment to stop,
Product: Mortgage

I sold my home and paid off my mortgage on XXXX XX/XX/XXXX. Prior to this I thought that my home would not sell and had requested a new homeowners insurance quote. An invoice was sent to Freedom Mortgage. Shortly after the quote, but before the insurance went into effect, I received an offer for my home and called to cancel the insurance. I also notified Freedom Mortgage to not pay the invoice. I was told this was annotated on the account, but the invoice was paid. 

I notified Freedom Mortgage around the date of the sale of the situation. They did not put a stop payment on the check and just told me that the funds would be returned to me. I had another call but do not remember the day. On XXXX XXXX I called when I saw the funds applied to my escrow account. I was told a check should be processed by XXXX XXXX On XXXX XXXX I saw the funds were still in my escrow account so I called again. I was then told that they need 10 working days and I would receive the check. I saw the following Monday ( XXXX XXXX ) that the funds were still in my escrow account, so assumed I would not receive the check within the original 10 days as promised. I called back and was told that a ticket had been opened and that I would receive funds the following Wed, XXXX XXXX. I was also told if I didn't see the funds to call back. I did not see the funds called again, and was now told the account was reconciled, but it's next Wednesday, XXXX XXXX, when I should see the funds. I have been promised these funds, which are a refund to me ( my funds ), on multiple dates.
Product: Mortgage

We have a mortgage with Citizens Bank on auto pay since XXXX. Suddenly XX/XX/XXXX we can't pay our mortgage. All payments are reversed. Payments are coming from our XXXX XXXX Account, which they forced us to open with the mortgage. Concerned about staying current, we transferred over {$3500.00} from the XXXX XXXX to the XXXX XXXX, which was shown as removed from our checking account but was NOT credited to our Mortgage. We spent hours and hours on the phone, only to be shuttled between Banking and Mortgage departments. No one could explain or help us. Finally, they said that we changed the account number on the Checking account, which the online banking portal does not allow a consumer to do. They promised us a call back, which they did not honor. We made a phone payment from a checking account with another bank, but we are not sure that this will be credited to our Mortgage, thought the money is showing debited from the other checking account. It looks like they are stealing our money. My husband and I have each spent hours on the phone with them and they can't give us any explanation or help us in any way. Very concerned about what to do next.
Product: Credit card

I called Capital One multiple times starting XX/XX/XXXX. I spoke to a senior fraud account manager named XXXX Initially, I was told the dispute was closed because the item was received in the condition the seller described. I then provided proof of the item 's condition, including stains and tears. Capital One then changed the reasoning and said I am responsible for the item. 

Before purchasing the item, I asked the seller if there was anything wrong with it, and they said no. Capital One then requested the receipt for the item. I provided the receipt, even though an XXXX agent informed me that XXXX had already provided all this information to Capital One and that they shouldnt be asking me for it. 

In addition to the receipt, I provided images of the item, my conversation with the seller, and proof showing that I was not allowed to return the item through XXXX or to the seller directly. I have evidence that the item was not in the condition I purchased it in, as well as proof of my attempts to return it. The seller did not allow returns and intentionally sent me a bag with stains and pulled treads. 

Despite all this, Capital One continues to deny my claim, even though the bag was not in the described condition and I was unable to return it through XXXX or the seller. I called Capital One on XX/XX/XXXX and spoke to Mercy and another agent, and they informed me they could not provide the steps or documentation they received from XXXX to evaluate my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with XXXX  3 times already XX/XX/XXXX and all were denied. Complaints against XXXX, original XXXX XXXX XXXX. We aquired a camp membership in 2003 and did not have any other new contracts. This should of been removed. It is over 16 years old and XXXX has the same contract listed 3 times on my credit report in which they keep changing the date of aquirement which was XX/XX/XXXX only. It was a membership to use the campground. I called the campground to remove my contract and they didnt. We only used it one year for XXXX. This was for use of campgound not ownership.
Product: Credit reporting or other personal consumer reports

I didn't authorize these inquiries, so please remove them as I'm not familiar with them.
Product: Credit reporting or other personal consumer reports

There are accounts under my name that are a result of Identity Theft as well as inquiries in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these accounts I am complaining.
Product: Credit reporting or other personal consumer reports

I requested debt validation XX/XX/22. I received a copy of a bill dated XX/XX/22 which is not debt validation. In accordance with the Fair Credit Report Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Sections 2, it also states a consumer reporting agency can not furnish an account without my written instructions, Under 15 USCS 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding sales handling of disputes, particularly in the light of recent CFPB lawsuit, highlighting significant issues with the platform, despite using Zelle numerous times and reporting discrepancies my financial institution and failed to investigate my claims adequately. they informed me that recovering lost funds was impossible in that tracking these transactions was unfeasible the CFPB findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users Vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Canceled my services in XXXX and moved out of my house. I asked during cancelation what i owe and i paid my final bill. I went to return the equipment a few days later in XXXX to a store and I asked them as well if i owed anything and they said no. Months later today i see a derogatory mark on my credit report so i called the debt collector and they told me its from an XXXX XXXX I called XXXX to clarify this and it was a pain to get a live person on the call. So i initiated a live chat online and I explained it to 3 people and i was transfered after a promise was made to resolve this for me. They took over 2 hours to " work '' on this and I still do not have a resolution. I was bounced around re-explaining the situation and that i need them to fix it but no one has helped me with it so far. I have a perfect billing history and I always paid all my bills in full before the due date and never had a late payment so i have no reason to withhold this from XXXX, had i had been made aware of it. I'm looking for a letter from XXXX to give to the debt collector that says this was erroneous and i want the derogatory mark removed from my report and the collector said that is how they can do it. I asked XXXX for the letter and i was immediately transferred without a proof. i have the entire chat history with all the 4 representatives that bounced me around if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit card was closed XX/XX/XXXX and there was a delinquent remark on XX/XX/XXXX from both XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apartment was looted and flooded. Cards was taken and charge fraudently
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently been in contact with the credit bureaus over the past couple of months due to accounts appearing on my credit report that I never opened or received any goods or services on behalf of. Even though this has been a ongoing dispute I've noticed yet another clear violation of the Fair Debt Collection Practice Act being permitted by Convergent Outsourcing whom has violated section 1692e 8 (  Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed ) Convergent Outsourcing has failed to mark this debt or account has disputed which is automatic grounds for removal of this account from credit report. I will included supporting documentation along with this claim.
Product: Credit reporting or other personal consumer reports

Another person was using my information for open credit card accounts and another account, please remove this from my credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several names listed on my credit file that are not accurate or me and items that do not belong to me listed on my credit file. I have tried to clean this up myself and getting no where. Please help My name is XXXX ( XXXX XXXX XXXX ) last  name XXXX NOT MY NAMES XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Unknown items listed XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX   {$200.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX Pleaes help me get this matter cleared up
Product: Debt collection

I received an income execution letter from a creditor that I do not know,. The creditors name is New Century Financial Services Inc. Please advise on how to fix this situation. This creditor sent a letter to the XXXX County Sheriffs Department demanding that I pay {$1500.00} immediately. I thank you in advance for your attention in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many ACCOUNTS which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these accounts as soon as possible. 
XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$2100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$1900.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX Balance : {$230.00}
Product: Debt collection

XXXX Credit Report reviewed date XX/XX/XXXX Collector = Procollect Inc XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) Original Creditor = XXXX XXXX XXXX XXXX XXXX = {$74.00} Review of my credit report list the above credit collection account twice ( duplicated ). It was paid in full XX/XX/XXXX. I was not aware of the debt until I received their collection letter in XX/XX/XXXX which you can see I paid promptly. ProCollect refuses to remove these negatives on my credit report. Due to the age and their error duplicating, I've made attempts via online dispute and phone calls with no results. Agent answering the phone is rude and hung up on me. 

I request both collections be removed ASAP. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Non-Compliance with 15 U.S. Code 1681o Civil Liability for Negligence I am writing to formally dispute inaccurate and/or misrepresented information on my credit report from credit bureaus Equifax , TransUnion and Experian, which I believe is a direct result of negligent non-compliance with the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681o, Equifax may be held civilly liable for failing to comply with its legal obligations, which has caused me harm.

I previously attempted to resolve this matter. However, Equifax, TransUnion and Experian failed to properly investigate and correct the inaccuracies as required under 15 U.S. Code 1681i and other provisions of the FCRA.

Due to this negligence, I have suffered actual damages, including but not limited to [ list financial losses, credit denials, emotional distress, higher interest rates, etc. ]. The law entitles me to recover damages resulting from this failure, along with reasonable
Product: Credit reporting or other personal consumer reports

This account belongs to my dad who has the same name as me. This is his account not mine.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Credit reporting or other personal consumer reports

Experian with in 90 minutes notified me that XXXX NOW STILL working on the issue of 3 complaints that are exactly like all the other complaints which is Experian NOW has stolen almost 19 months of on time never late payments to XXXX and refuse to give them back
Product: Credit reporting or other personal consumer reports

Equifax is reporting inaccurate information on my reports and they keep reporting it. I have provided my credit report showing how they are reporting these inaccurate accounts.
Product: Bank account or service

PNC Bank charged {$140.00} in overdraft fees, claiming XXXX transactions resulted in separate overdrafts of my account. I believe they manipulated the order of transactions in order to maximize the fees that could be charged. As the attached screenshot shows, they processed higher transactions first, which resulted in each small transaction ( each less than {$8.00} ) resulted in a separate {$36.00} overdraft fee.
Product: Consumer Loan

I purchased a mattress for XXXX $ from XXXX and selected 2 years no interest financing. I told the financing officer to set the auto pay to pay off the mattress in 2 years. I set up an auto pay to have the mattress paid off in 2 years, so as not to be hit with any interest. I came to find out Synchrony Bank only collected the minimium payment for those 2 years, then charged my remaining balance ( XXXX $ ) with over XXXX $ of interest charges. The loan was then charged a monthly 29 % interest rate and I owe XXXX on the mattress today. My explicit instructions to the finance officer at the mattress store was to set my auto pay to be complete in 2 years, and I was not aware of a possible 29 % interest rate, as well as being charged for back interest. 

At no point was I contacted by the company, I never received a loan document, nor was I called or emailed. I have moved, but submit address change documents with the post office.
Product: Credit card or prepaid card

I simply used my accounts and the bank closed them. I was sick and had to take time off work which made me need to use my credit, now I am better got back to work trying to get things back under control and JP Morgan Chase decides to do massive damage to my finances and credit score for absolutely no reason.
Product: Credit reporting or other personal consumer reports

I would appreciate it if you could swiftly remove the fraudulent entries from my credit report this time since I already file a complaint way back due to this situation, as well as take the necessary steps to correct any inaccuracies or fraudulent activities. I have attached documents from the relevant authorities to support my claims.
Product: Debt collection

XXXX  wanted me to pay a bill of unused service. I had called XXXX for their prices/deals. I asked for home set-up but not to send the equipment as I had type of pay & could not pay. I asked if I can just set up an account & call back to send the items. They still sent the equipment. I never asked for it, never used it, nwver opened the package the equiment came in. It was never plugged in, nor opened. I didn't know the service was " on ''. I assumed how can it be on if it was never connected. After returning equipment XXXX  still wanted me to pay. After speaking to multiple of their callers always saying the same thing about payments. I finally managed to speak to a higher up who claimed the service was on & I still had to pay. O told them they can check the data if I even used but they claimed they don't store that but there is a way to check they just ignored me. After telling the woman about the first time I called I did not arrange the equipment to be sent they had sent it without my consent. She said she might be able to find that same call. Although she still claimed she will try to find out but I still had to pay, so they never even bothered to find or check the call, check if data was used. Now they've involved debt Collectors who still want me to pay for service I never requested, never used, nor should I have to pay any of it. After speaking with them they said they don't have any data they're just the company XXXX  hired. They never bothered to check the backstory or bother listening to me claiming I still have to pay. Wanting me to do payments little by little but that is still paying for the bill I should not be charged. The company name is Mercantile Adjustment Bureau.
Product: Credit reporting or other personal consumer reports

DUE TO TRAFFICKING, THESE ACCOUNTS WERE CREATED WITHOUT MY PERMISSION.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here the item I am asking you to verify as accurate. 

XXXX XXXX XXXXXXXX - XXXX
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 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Delete Late payments from Exeterfinance from XX/XX/2023 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n
Product: Money transfer, virtual currency, or money service

This was for a rental of a home for my mother. 
I contacted my bank ( XXXX ), I contacted Zelle and no one could help me, I tried for weeks to get help. I called and chatted with reps online and got no help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Still trying to get the money back they owe me. I have filed several complaints, but to no avail. I need assistance in retrieving funds from the company and help with enforcement of the lender.