23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I've notice a collection debt from THE PHOENIX RECOVERY GROUP/PHOENIX GROUP ACCOUNT XXXX ( THE X 'S ARE INVALID BY CREDIT REPORTING STANDARDS ALONE ) XXXX XXXX XXXX XXXX, TN XXXX, ( XXXX ) XXXX pertaining an invalid account number. This falls under inaccurate/false reporting and must be DELETED PERMANTELY AND IMMEDIATALEY FROM ALL 3 CREDIT BUREAU 'S XXXX, XXXX AND XXXX DUE TO LAW PASSED EFFECTIVE XX/XX/2017 NO JUDGEMENTS ARE TO BE REPORTED ON NEITHER 3 CREDIT BUREAUS. THIS IS ILLEGAL!
Product: Credit card or prepaid card

It's ridiculous because I have always paid this account on time and have never been late.
Product: Credit card or prepaid card

Dear CFPB Repr. The response providsed by Citibank is incorrect. Before making payment I called Cityibank and spoke with representitive who told me that first payment was going to be credited on XX/XX/XXXX instead of XX/XX/XXXX ( 2 days earlier ) and second, that payment was going to be applyed to the balance that was expiring on XX/XX/XXXX. Two weeks ago I spoke with Citibank in a regard to recording of my conversation and I was told that Citibank would proivide it but they have not so far. Recording of my conversation with Citibank will show that Reprsentitve mislead me and therefore payment was applied 2 days earlier. If representitve had not told me that payment was going to apply to other balance i would have waited 2 days and make payment later. Therefore, Citibank must provide recording of conversation to proof that there was no misleading. Please ask Citibank to provide recording. Thanks, XXXX XXXX
Product: Vehicle loan or lease

Lost job couldnt afford payments Company picked car up from job Sold car now debt is owed
Product: Student loan

I got a call tonight ( XX/XX/23 ) around 7. They called my cell and went right into this is a call trying to collect a debt for a debt i owned a XXXX XXXX. I said that i would like more information on loan and the amount. She said that i already know these things and that they already sent it over. I said could you send it over again i never got it, so i could verify the debt and the creditor. She said they work for XXXX XXXX and that they DID NOT PAY for the debt. I asked how that could be true since it's in collections and she gave me the ring around. I said I would look over the email they sent a week ago ( XX/XX/23 ) I felt lied to and pressured. I know my rights and i know they were not honored. 

Williams & Fudge , Inc. are the ones who emailed me and called me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

DEAR SIRS/ DIRECTOR C.F.P.B CONSUMER PROTECTION USA. 

THE CLIENT AND SOCIAL SECURITY DEPOSIT IN XXXX XXXX ON XX/XX/XXXX RECEIVE NOTICE OF SOME COMPANY CASH APP HAS BEEN TAKEN OF MY ACCOUNT XXXX XXXX THE AMOUNT OF {$30.00} WITHOUT MY AUTHORIZATION. {$10.00}, {$10.00}, $ XXXX Cash App XXXX XXXX, XXXX XXXX XXXX, CA XXXX Call us at ( XXXX ) XXXX Available daily, XXXX XXXX XXXX ET MY BANK OFFICER INMEDIATELY CHANGE MY DEBIT CARD FOR ANOTHER TO AVOID FUTURE REPETITION FRAUDE. 

I WAS CALLING AND REPRESENTANT OF CASH APP WAS WORKING SINCE HER RESIDENCE AND NOT INTO COMPANY CASH APP. 

XXXX XXXX XXXX XXXX DO NOT CARRY ANY CARD CASH APP NOR HAS ACCOUNT WITH CASH APP. 

DBT CRD XXXX XX/XX/XXXX XXXX -- XXXX  XXXX BALANCE ADD -- XXXX XXXX  XXXX # XXXX XXXX {$10.00} DBT CRD XXXX XX/XX/XXXX XXXX -- XXXX XXXX BALANCE ADD -- XXXX XXXX  XXXX # XXXX XXXX {$10.00} DBT CRD XXXX XX/XX/XXXX XXXX -- XXXX XXXX BALANCE ADD -- XXXX XXXX  XXXX # XXXX XXXX {$10.00} Operacion realized XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It's unfortunate it has come to reporting these companies that are supposed to be reporting our credit fairly and supporting us. That said it has been well over XXXX months, just this month I spent {$80.00} in certified mail disputing. I have been providing clear and legal documents which I'll include. I have been getting the letters notarized by the state of Pennsylvania, making it a legal affidavit. I have been including more personal information they even need to identify me. All included in the files I attached, this is holding my life back and my family. I am so XXXX  please help and hold these companies responsible for their complete lack of responsibility to uphold the law. I want this fraudulent information off my credit report immediately.
Product: Debt collection

I received a document from XXXX XXXX XXXX XXXX. They requested that I send information about whether or not I owe the debt. I submitted documents by mail on XX/XX/XXXX to request information about the debt. The deadline was XX/XX/XXXX, which was a Sunday I have not received any written information about the debt. Further, it states that Navient can not collect on the debt but they are trying to collect on the debt. This is concerning that this company is reaching out without having authority to collect anything. Further, it is not clear that the debt is even mine. I don't know if this belongs to me. The company 's name is XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

OK so in bed riddin and in and out of the hospital I have stage XXXX XXXX my health is declining fast. I mobile deposited a check into a account. Not knowing I had to pay to open the account they let the check go in it cleared and then told me that they're closing the account. And then explained to me that I had to pay XXXX dollars to open the account, I told them just send me the check back which they keep refusing to do so then I sent them XXXX dollars and opened another account that they're saying it's closed. Closing but will not give me my money. I tried to wire transfer. The money to my son 's account. Everything went through they called me, I verified the transfer and the next day they said it was cancelled by me which I never did. I just need my funds from this credit union, this is b-s, it's been going on for 4 months I'm very sick and I don't need this.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Twice in the last month, I've applied for things ( apartment as well as auto loan ) and my approval has been subject to conditional approval of district managers. While I don't have true detail, I was finally able to get one of the parties to tell me that it was due to a report of fraudulent activity from Summer 2019.

I have no idea what they're talking about and was unable to find anything within my Experian, XXXX, and XXXX  credit reports. This feels like a wild goose chase but I'm extremely nervous due to the fact I plan to begin applying for mortgages within the next month or two.

What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$3100.00} XXXX XXXX XXXX XXXX Balance {$4500.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  I Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out what they call a flex loan kind of like a line of credit loan. During the time of the loan, I became an employee of the company. I submitted new pay stub info everyone working there gets paid on same day so they knew and the XXXX called me at work to confirm. They took out weekly payments from me saying it takes several pay cycles to fix itself. Then she tried taking a payment out a week before our pay schedule. So I stopped payment as its not my pay. Then I got fired and they took the entire remaining balance out of my paycheck. When it was due the XXXX did not call me like she always has and I was not notified they were going to do that. Then the day after I got a letter in the mail that they were doing that. If they got my phone number and always called me before I worked for them and during they should have called me now and that was shady. How can they take a whole balance out of my last paycheck without telling me? I also have XXXX payday loan checks out and they didnt do that to those.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Requested All Credit Bureaus to Delete the debt XXXX XXXX XXXX XXXX for {$1000.00}, because it is over 7 yrs old. Per my attorney, it is Law. If Not removed after this request, he is prepared to move forward with legal actions
Product: Credit card

Inadvertently missed a payment on this CapitalOne account over the weekend ( due date was Saturday XX/XX/XXXX ), I was travelling for work and did not have access to any internet. I made double the min payment first thing this morning ( Monday XX/XX/XXXX ). I have maintained this card account in good standing for many years, and the late fee is excessive compared to the minimum payment amount that was due in the first place. 

Also, I waited on hold for about 30 minutes to ask a customer service rep to please remove the fee. Even after that long hold, I was connected to an overseas call center.
Product: Checking or savings account

I tried getting PNC to verify my account for XXXX and XXXX said PNC was blocking them
Product: Credit reporting or other personal consumer reports

Hello, I was working with a mortgage company for a conventional mortgage loan. I authorized the company, XXXX XXXX, to pull my credit report on XX/XX/year>. Since that time, I have received OVER XXXX calls to date. Thirty calls were received on XX/XX/XXXX, starting at XXXX XXXX  ET, on both my cell phone and my landline. The calls I answered stated Experian provided them with my report and my contact information. I tried to call Experian customer service lines but was continually disconnected when I requested an agent. How do I even request them to stop abusing my personal information for profit? How is it legal that my contact information and credit report are sold to XXXX  of lenders? I have no idea who received the information. I did NOT authorize distribution and am so upset to continually receive calls and texts starting at XXXX XXXX  and continuing through XXXX XXXX  each day thus far. Some of the callers are obnoxious and rude making it more upsetting. 

Please don't allow them to continue this practice. 
Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am trying to login into their website to make a payment for my loan but it is constantly down. I am also trying to set up a loan payment program with my workplace but nelnet website constantly being down is unable to provide the loan account information, amount, and type of loans to my workplace. I am unable to contact anyone in nelnet because hold times are over 90 minutes. This is negatively impacting my ability to pay my loans and decrease the interest I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

When viewing my   XXXX       XXXX   XXXX  , 20 17 cr edit report under : report-summary > account-summary >    XXXX   I s ee I have a total  :   XXXX    open account  XXXX  collection accounts Time since negative : Never This I found very misleading as it says, the time since the last late payment or other negative event was posted to my credit report is " Never '' I continue to Accounts > Open-accounts > pg.3 to se e my CapitalOne account Status : " Negative '' The same page also states "  XXXX  has no closed accounts on file for you as  of   XXXX   XXXX   2017 ''  Finally I reach the Account-details Tab Where my Capit  al One account is reflecting a 60 day past due payment ; so now I 'm really confused!
CapitalOne never reported any missed or late payments previously yet my account Status is negative showing late payments and in the same report  XXXX  reported that " The amount of time that has passed since the last late payment or other negative event was posted to your credit report '' is " Never '' I feel the information being provided to me as a consumer in regards to my credit report are false and misleading.
I 'm providing a copy of my Capital One payment history. Along with my credit report, as I have viewed at  XXXX
Product: Credit reporting or other personal consumer reports

I have sent several dispute to them to delete this inaccurate account from my credit report for violations 15 US 1681 ( a ) Also this account was charged off on XX/XX/23 still showing late payments since then also last payment is incorrect reporting. I want this account removed and no longer reported
Product: Credit reporting or other personal consumer reports

I am extremely frustrated that my credit report contains inaccuracies and incomplete information, and my repeated requests for correction have been ignored giving me immense stress and anxiety - this has been negatively impacting my overall well-being, physically, mentally and financially. As a result, my credit score has been unfairly impacted. The disputed items are currently involved in pending litigation due to reporting errors, making them unverifiable.
Product: Money transfer, virtual currency, or money service

I have been Complaining about a refund from google for over a year. I and my bank have tried to resolve this issue. My bank has wrote letters to them, talked to them over the phone, I have been emailing them, filed disputes with my bank and contacted state agencies. I was told that google sent my payment to XXXX XXXX XXXX and to XXXX XXXX from google.I have been calling them and waiting for reply but have been having issues recovering my refund. I have tried everything to get them to give me my money back as well has my bank XXXX. I have several case numbers and they keep giving me different statements. I keep getting new agents so I have been passed around to so many agents and I am getting upset at this situation. I am asking that they send my money back to me as they told state agencies that they gave me a refund when they told false information.At this point in time I feel they are doing this so they do not have to pay me my money back from these fraud charges. My bank showed them proof that nothing ever came to me and I keep getting excuses as to they already sent a refund, they never sent a refund and get passed around to agents. I will attach the information I sent to them in this dispute.
<P/><P/>
Google case number XXXX. Email used for contact is XXXX.
<P/>
Dear Sir or Madam : I am writing to dispute a billing error in the amount of [ {$1400.00} on my account. The amount is inaccurate because the money was reversed by google when in fact Google was to issue a refund in the amount of XXXX.I am also requesting proof of any payments sent from your company, And transactions that was paid to the right bank.
<P/>
I have attempted to get a refund through your customer service department and have sent letters from my bank, my bank statements, and reversals that google made from my bank.
However, after a year I have still not received a refund of the {$1400.00}.
I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement after the payment has been resolved.
<P/>
.I look forward to your reply and a resolution to my problem.
To resolve the problem, I would appreciate you refund my money that was stolen from my bank.
Please investigate this matter and correct the billing error as soon as possible.
Product: Payday loan, title loan, or personal loan

I told them not to contact me at work and the still calling me and this time the told receptionist that i got a called ftom the XXXX XXXX sheriff 's dep, so i answered the called and it was a debt collector from XXXX, saying that if i don't, pay i will be arrested at my job, i told them that is a process, that i haven't received any court paper to go to court, then they start saying they will start a garnishment from my salary, n then i asked for badge number, then they said the are not police officer, now they admit the are from XXXX.i told them any paper work they can send mecto my address, they got upset then they said they will any paper work to my job
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report, Ive found that payment history is being reported on this account. Transaction history between the consumer is to be excluded from the report and it has adversely impacted my ability to obtain credit. 
According to 15 USC 1681 2a ( I ), under the exclusions section, the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As it relates to my consumer report, the data was furnished from the same data furnisher, yet inaccuracies can still be found on multiple accounts. I request that these accounts be removed from my consumer report to ensure maximum accuracy and fairness, guaranteeing the right to obtain credit. And according to the IRS, a charge off is a certificate of indebtedness, that was reported as income on my income tax returns. Income is not included in the consumer report.

15 U.S. Code 1681a - Definitions ; rules of construction ( D ) consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

15 U.S. Code 1681e - Compliance procedures, states that ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$460.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion XXXX XXXXXXXX
Product: Credit card

XX/XX/XXXX XXXX XXXX XXXX {$18000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$150.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX {$1400.00} All disputes with each bureau
Product: Checking or savings account

I received a letter on XX/XX/ via email but I was unaware of this letter. I don't agree with this decision by The Huntington National Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE ACCOUNTS ON MY CREDIT REPORTS RTAHT DONT BELONG TO ME. THE ACCOUNTS ARE FROM : 1 ) XXXX XXXX/XXXX # XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX ) CITCARDS CBNA # XXXX XXXX ) XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing multiple soft and hard inquires that I don't recognized and I've never had them before and this is badly affecting my credit score.