23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I made a purchase at a XXXX, a live selling platform, in the amount of {$1100.00}, for XXXX XXXX XXXX. Approximately five days later, I receive the shipment from the merchant, but only received XXXX of the XXXX XXXX XXXX I ordered. Immediately, I submitted notification to the merchant about the missing cards, along with pictures of the missing cards. The merchants website states that shipments with missing cards are eligible for full refunds, so I requested a full refund with a return label to return the other XXXX cards. However, the merchant refuses to even acknowledge my request for a full refund in a series of emails and instead asked me to supply them with details Ive already supplied them with on multiple occasions. Upon this incident, I looked online and found that unfortunately, this merchant has a poor reputation. 

So, on XX/XX/XXXX, I submitted a dispute with the credit card I used to make this purchase with ( Apple Card, Goldman Sachs ). On XX/XX/XXXX, I received an email from the bank ( Apple Card, Goldman Sachs ) asking me to supply any evidence I have, which I sent on the same day, including screenshots of communications with the merchant and pictures of the missing items. Strangely, even though I sent in my evidence, on XX/XX/XXXX, I received another email from the bank asking me to supply any evidence I have. I contacted the banks customer service via their chat function, and they reassured me that they see the evidence Ive submitted and Im good to go. On XX/XX/XXXX, I receive an email notification from the bank stating that the dispute has been resolved in the merchants favor with the reason as The evidence we received shows the merchandise purchased was delivered undamaged or services purchased were provided as described. Obviously this reason contradicts the evidence I supplied, since I only received XXXX of the XXXX cards I ordered. So, I immediately contacted the bank, asking them to both reopen the case and supply me with the evidence that they reviewed, as I think they may have made a mistake or overlooked the evidence I sent in. They just reopened the case, but told me they cant supply me with the evidence because they dont have access to it and Id have to mail in a request, which is strange because everything else about the card is online, from the card, the statements, the support, and even the support told me on XX/XX/XXXX that they could see the evidence I supplied. When I opened the card, the main selling point about the card was that everything about the card lives on your phone, but apparently thats not the case.

In summary, the dispute was found in the merchants favor, with the bank stating the reason being that the merchant delivered the goods I ordered, however, that was not the case according to the evidence I supplied. Furthermore, the bank is making me mail in a request for the evidence they reviewed in this dispute, even Im pretty sure other banks dont require that, and everything else about the card is digital.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cant get credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern. I'm writing looking for relief of an incorrect bad collection account on my credit report. I have no idea who or how it got on my credit, and was not contacted by anyone pertaining to this account if was accurate. 
account name, XXXX XXXXXXXX XXXX XXXXXXXX date open XX/XX/2022 SAYS : past due as of XX/XX/2022 amount {$1700.00} can you please launch an investigation this is holding me back and may not be accurate. The Fair Credit Reporting Act. 15 U.S.C sec 1681i ( a ) ( 1 ) ( a ) I was pleading for an investigation.

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

-Purchased a washing & dryer from Sears in XXXX, XXXX -Had multiple problems with deliveries -Once the items delivered the washing machine began to malfunction -I paid every month on time & paid off in full in XXXX XXXX -I was NEVER late and paid on time every month prior to the payoff -The washer has had 17 repair appointments -The washer is currently not working -The washer is still under warranty -Sears is reporting me paying late ONE time in XXXX XXXX -I have contacted Sears executive office three different times -I have was treated with disrespect and Sears has refused to correct inaccurate report -I owe NO money -I do not have a working washing machine -The inaccurate report is the ONLY late payment reporting on my credit report -I was also insulted by the Sears rep with a negative racial stereotype
Product: Debt collection

Persistent calls every weekday morning from various phone numbers ( XXXX ) - XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The calls are all from " Credence '' which may be Credence Resources Management ( CRM ), a debt collection company. I returned the first call and heard a recorded female voice speaking in XXXX which I could not understand. Since then the calls have continued every day but I have not been answering them. My wife and I are the only XXXX residents using this number since about 1999. We pay all our bills when due and both of our XXXX credit scores are currently well above XXXX ; so I know we do not have any outstanding debts.
Product: Credit reporting or other personal consumer reports

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan through a financial institution that is set up on auto payment and comes out before the due date every month but on my credit report they show that I have been 30 days late on this account 4 times. I have tried disputing this with the bank in question as well as the three reporting credit bureaus but nothing has changed.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my annual credit report I noticed a hard inquire that I never approved from XXXX on XX/XX/XXXX and XX/XX/2017. I attempted to reach creditor and was unable to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Product: Credit card or prepaid card

Manipulated Interest Rate Charged Capital One Bank indulged with internal manipulation of interest rate with certain value with proportional percentage based on the internal value management prescriptions. The interest rate on purchases us 24.24 % and Cash Advance is 24.24 % I have a balance of {$4900.00} and the interest charged was {$140.00}. I have tried every best financial calculation to justifying the interest rate charged at {$140.00} with 24.24 %. I called the staff and with explanation that certain percentage was manipulated with different rates. I was surprise with the internal management indulgent with associated unjustified charges and variation of interest charges with different co-efficient factors from Capital One Bank This is my second complaints that I ask the FTC for the investigation
Product: Debt collection

On XX/XX/XXXX I received a message from a woman identifying herself and XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX, XXXX. She stated that this was an attempt to collect a debt and to please return her call at XXXX. On XX/XX/XXXX I called the office back and spoke to XXXX XXXX who said that my account representative had just walked in and she then placed me on hold. The woman, XXXX XXXX came to the phone and identified herself and that this was an attempt to collect a debt. I allowed her to present her case to me and she then asked me if I had anything to say about the accuracy of the debt and had I incurred it. I told her that it was my debt but that I had gone to court and the amount that the judge said I should pay was less than what she was quoting to me. Her response after that was " So you went to court and was given an amount to pay and you still have not paid it '', '' XXXX XXXX, I am trying to understand why if you were given an opportunity to pay the debt almost a year ago you still have not made an attempt ''. After telling her there was a terrible echo in the phone, I explained to her that I was unemployed at the time of the event ( eviction ) and only started working full time hours as of XX/XX/XXXX. I also explained to her that I had several collections on my credit account now and was paying them off one at a time with the money I had, smaller ones then larger ones. I also explained to her that I had several failed attempts to borrow the judgement amount but was unsuccessful due to the collections. Her last statement to me is the reason I am writing you. XXXX XXXX, then told me " so you mean to tell me that you have the money and and you are n't going to pay this debt!, well next month ( which was when I told her I could pay on it ) you will be in court and you will pay the full amount. It was at that point that I tried to tell her that her tone and overall demeanor on the phone was unprofessional and aggressive but she interrupted me again. I then tried to tell her not to call me again but she then hung the phone up while I was yet speaking to her. I called back and she answered and when I went to explain the situation she said " yeah I am the one you were talking to '' and hung the phone up again. I called back again and that time got XXXX XXXX again and told her that I would prefer that the office only contact me via mail and not to call again because XXXX XXXX was XXXX, trifling and unprofessional and I was sorry. XXXX XXXX took my information and said the office would oblige. 
I understand that neither your office or the Ga. State Bar can discipline the attorney for this event, however, if you would please, reach out to them about the rude, bullying attacks that this representative of the firm is allowed to launch on debtors like myself. I am sure again, I am not the only one that has been subjected this behavior. I did reach out to the Consumer Assistance Program that is associated with the Georgia State Bar and was told that I might file with you or the FTC. The FTC, referred me back to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX .  XXXX   XXXX ,  XXXX , CA  XXXX   XXXX   XXXX .  XXXX   XXXX ,  XXXX , TX  XXXX  Equifax  XXXX .   XXXX    XXXX ,  XXXX , GA  XXXX  Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made.    XXXX   XXXX   XXXX   XXXX   XXXX  The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA  605B ( b ), 15  U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and  62  3 ( a ) ( 6 ) Under section 605B  of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA  ( f urnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.   Sincerely,  XXXX ,  XXXX  SOC #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   fl  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I am writing to express my dissatisfaction with the way you have handled my previous request regarding the removal of inaccurate accounts from my credit report. As I have stated before, the accounts in question, namely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I want to remind you that it is illegal for you to continue to furnish inaccurate information to consumer reporting agencies. Under 15 USC 1681 Section 602 A, I have the right to privacy, and Section 604 A Section 2 states that you can not furnish an account without my written instructions. Additionally, 15 USC 1681c. ( a ) ( 5 ) Section prohibits consumer reporting agencies from making any report containing inaccurate adverse items of information.

I have already requested that you investigate the accuracy of these accounts and remove them from my credit report. Yet, you have failed to comply with my request, and this lack of action is unacceptable. If you do not take immediate action to remove these inaccurate accounts from my credit report, I will be forced to pursue legal action against your company.

Please do not ignore this request. The inaccuracies in my credit report are causing significant harm to my credit score and financial well-being, and I will not stand for it. I expect your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX Has violated my rights 15 u.s.c 1681 section 602a states I have the right to privacy 15 u.s.c 1681 section 604a section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I reached out to FIRST CREDIT SERVICES when I found a collection being reported on my credit report. On XX/XX/XXXX I disputed the charge of {$110.00} as that was an account open by my ex-wife under my name and with my personal information without my consent. I told them my situation and even attempted to pay the collection if they removed the account from my report, to which they refused. Then I proceed and dispute the account with them and I never received any paperwork or information regarding the account. I called back in XX/XX/XXXX tired of seeing it in my credit report, they could not locate my account, even when they were reporting to the credit bureau. After 15 minutes of asking for information they found the account, and refused to take payment since I had disputed the account in the past. They have a policy that they don't take payments on disputed accounts. So I had to be recorded that I was not going to dispute with them the Payment and that upon payment I could not dispute said account. I agree that I would not dispute it with them but I would definitely do it with the credit agencies.
Product: Debt collection

This company has been harassing me nonstop for months, beginning in XXXX of 2021. I have answered multiple times and have told them to stop calling me. I have also answered and told them they are violating FTC rules and regulations and that I will report them. They call before XXXX XXXX and after XXXX XXXX. They also call multiple family members, whom I've never even lived with. They call multiple family members daily and leaves numerous voice-mail as well. I have kept a phone log of their calls, some days they call 6 or 7 times. Their calls slowed down tremendously the first time I told them I would report them. Now, they are picking back up. They have begun to call under different numbers so that I answer. In fact, today they called with the number " XXXX '' they are masking their calls, using invalid phone numbers, in order to harass me further. I have received 8 different calls today from this company. They need to stop harassing me. The next step after this complaint is contracting the attorney General, because what they are doing is highly illegal, unethical and is harassment. They call more then they should, under invalid numbers, outside of business hours, leave multiple voice-mail daily, and contract multiple family members daily. This company is following unethical and illegal practices.
Product: Debt collection

This collection company is lying that they contacted me via mail. I have never received anything from them. If I did i would definitely reach out to resolve the debt as I am in the process of trying to buy a home. They use this tactic of reporting to bureau before contacting you as they know they will definitely get your attention and response quickly. I will attach a bill from XXXX, now that I know who this debt collection is from and it will show that they did not have this debt in their possession back in XXXX as they stated. I was still receiving a bill from XXXX. As I stated above this debt collection did not contact me!
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report this morning, I noticed erroneous accounts listed, and I don't understand why. Although I check my credit report regularly, these discrepancies appeared suddenly. I tried refreshing my browser, suspecting a malfunction, but the inaccuracies persisted. Consequently, I am requesting a detailed examination of the documents I've provided to ensure this problem is permanently resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed equifax multiple times I am a victim of identity theft and have had an extended fraud alert for years. They didnt respond after 60+ days so I came here and all they said was they could not verify my identity and send them my social and Id which I refuse to do anywhere but here and did such with my last complaint
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Product: Mortgage

I have had a very difficult time with Bank of America. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. My rep XXXX XXXX XXXX never returned any phone calls. Bank of America always seemed to lose my paper work, which I constantly had to re fax. I am XXXX years old and had a XXXX. I feel behind my mortgage. I am now over my hardship an can afford my mortgage.
Product: Debt collection

We used payday loan service XXXX years ago and paid off our remaining debt. Halsted financial services has called us XXXX yr later saying that we owe them money. We do n't owe them money or have we used payday loans for XXXX yr
Product: Debt collection

I was called by a processor ( showed " private number '' on caller i.d . ), XXXX XXXX on XXXX occasions on cell phone and home phone that I wpould be served at my office or home for not paying a 2010 closed checking account if I did not contact what I know to be Niagara Capital Recovery. I was scared and called the number. A XXXX XXXX put me on hold XXXX while he supposedly contacted the original creditor. In the end, I gave him my debit card info. After the call, I realized I didn'nt even know the name of the company, I was so intimidated. I called the collections dept of the original creditor who said they 'd not had any contact whatsoever with XXXX XXXX, that the phone number I had for him was not who they 'd sold the account to and that the amount he was trying to collect was almost {$250.00} above the charged off amount. I cancelled my card and have since received more calls from them and a purported process server. Where do I go from here and are these people legitimate?