23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Back on XX/XX/, I disputed the balance of {$780.00} that took place at the XXXX XXXX XXXX. I spoke to a collector trying to solve the problem by making an offer, but they declined my offer so I filed a dispute after that. When I spoke the collection agency or XXXX XXXX XXXX, they agreed to freeze my account until they resolved they issue for the payments I provided to the XXXX XXXX XXXX on XX/XX/XXXX for {$300.00}. The {$300.00} I provided cash to XX/XX/XXXX office, I made a mistake of not asking for a receipt that day because I was upset for the unexpected fees that I wasnt notified for. After that, I dont know what money has been credited to my balance, all I know is that I am in collections for fees that I wasnt aware of. XX/XX/XXXX XX/XX/XXXXsupposed to stop the late fees after I disputed the account because thats what they agreed to, but they didnt do it they kept on adding fees to my account which is making it more difficult for me to pay it off.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate.

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 maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 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 reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I HAVE TWO CLOSED ACCOUNTS TAHT ARE NOT MINE AND SHOLUD HAVE BEEN DELETED, EQUIFAX SENT ME DOCUMENTATION STATING THAT THEY DELETED THE INFORMATION, HOWEVER IT IS STILL SHOWING ON MY CREDIT REPORT. 
I NEED THE TWO ACCOUNTS DELETED FROM MY CREDIT REPORT/
Product: Debt collection

I have received a mail letter from Sage Capital Recovery , LLC Company trying to collect a debt that is owed to XXXX XXXX XXXX 
I do not have any account with this company, I do not know anything and have no information about this debt.
Product: Money transfer, virtual currency, or money service

XXXX Made XXXX $ electronic transfer on the EDD bank of America app . 
XXXX Representative tells me it could take a week because this is my first electronic transfer. 
XXXX I contact XXXXXXXX XXXX XXXXXXXX about the {$900.00} to see if the money is pending. The representative says that there is no pending transaction to call Bank of America. 
XXXX-Representative sends me to transfer services ( XXXX from Nebraska ). He makes me repeat my account number and routing number to confirm that I didn't send it to the wrong account. It matches and I was told the transaction was still pending. He asks if I just want the money sent back to the prepaid card and I said Yes. Then I was told it would take no longer than a week. 
XXXX I call again because the money is still not there. I called over half a dozen times and was repeatedly hung up on. 
XXXX A representative sends me to transfer services again. I speak to XXXX this time and he tells me that he can't do anything. I get sent to the XXXX Department. I speak with XXXX. She said she was going to file a claim but never gave me a timeline to call back if I don't get any word back. I also ask XXXX if I should send my bank statements as proof that I never received the money into my XXXX XXXX XXXX XXXX XXXX. XXXX does not give me an answer and moves on with filing my claim. 
XXXX Receive a letter about my claim. Bank of America says they won't do anything, but will contact XXXX XXXX XXXX  as a courtesy. 
XXXX Receive a letter from the claims department that they confirmed my transaction posted to the requested account. 
XXXX I contact XXXX XXXX XXXX about the posted transaction. XXXXXXXX XXXX XXXX  denies that a {$900.00} deposit was posted. 
They ask me to contact Bank of America for proof of a transaction. 
XXXX Today I call Bank of America asking again about the transaction and get sent to the claims department. I have been on hold for over an hour and a half with the number XXXX. I log into my Bank of America 's website for EDD, and click dispute transaction. They number they provide on the website is XXXX. It is unacceptable that Bank of America has lead me on for over 2 months. I have called repeated to get this transaction fixed. 
resolved. It is {$900.00} that they have lost and refuse to refund me. 
XXXX Bank of America receives my complaint on this portal. 
XXXX They reply that they need an additional two months on top of their two months to reply. They stalled so CFPB could do nothing. 
XXXX I haven't received anything about my claim and it has been way passed the extra two months they asked.
Product: Credit card or prepaid card

On or about XX/XX/2021 I made a big purchase ( {$570.00} ) through XXXX and was offered an option to finance it with 0 % interest for 12 months ( {$48.00} monthly ). After this purchase, I made other purchases totalling {$230.00}. I sent payments to pay those additional purchases as they completed processing online in my account and awaited the interest free payment monthly. Chase is now claiming that the money sent to pay the additional purchases, was put to the bigger purchase financed and that they intend to charge and collect interest on the purchases made after ( {$230.00} ). Same for any new purchases I make in the future. In my experience, if you agree to terms of 12 months with a company for a loan, it stipulates to those terms. Example would be getting an additional loan for a vehicle after getting one for a mortgage... .the terms of one has nothing to do with the other. I feel that both Chase and XXXX are responsible for putting these facts up front and that this is an attempt to deceive hard working middle class people, with motives of gaining interest that wasn't supposed to be imposed. I spoke to 6 customer service reps last night ( after receiving my new statement ). Not one could explain to me exactly how this formula worked or why I was being charged most of my purchase amount ( {$270.00} ) the 2nd month into the agreement. Luckily I can do basic math and figured it out on my own when my attempts to have explained failed.This would have been a great option for bigger purchases for family 's like mine if in fact it was an agreement that was legitimate. I always pay my balances in full and not carry from month to month. In fact my limit on this card was almost tripled a few months ago. Luckily, I can afford to pay the interest saving balance without making future purchases and avoid paying interest on any of my purchases. The issue is, that isn't what was agreed to. The agreement was for installments, interest free. That is the only reason I made this particular purchase at all. I avoid interest every month on my regular payments as well. Searching specific keywords provides these answers, the agreement is made upon checking out thru XXXX and that is where the information from chase should be provided, not hidden down deep in the World Wide Web. Thank you for your time.
Product: Credit reporting

After being turned down for credit I contacted the XXXX credit bureaus by letter and was able to speak with a person by phone with XXXX. None of them addressed the issues I raised regarding a serious delinquency that I am disputing. They sent me a credit report.
Product: Mortgage

I have been in review with my lender for XXXX 7 months for a modification. They have been requesting documents and I have been sending them and they have postponed the sale dates every thirty days. They requested documents ( bank statements ) which I sent last month and despite confirming that the sale date would be postponed they went forward with the sale today. They confirmed last night that they would postpone and today they changed their tune. This is unfair as I complied with their last request, they failed to provide me with ANY options to foreclosure and they completely lied and now have foreclosed on my property.
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 USCS 1681. 

These are the inaccuracy to stopping me to get the ability for apply new Car Loan, applying for the credit cards or in the future to apply for a Mortgage or personal Loans, All of these Accounts has violated my Rights. 

These are my CLOSED CREDIT CARDS with Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section Sates : 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 conviction of crimes which antedates the report by more than seven years. 

15 U.S.C 1681 S -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: Checking or savings account

I was hacked the week of XX/XX/XXXX, reporting this incident to Columbia State Bank ( XXXX XXXX - XXXX, XXXX ), on XX/XX/XXXX, including my police report, FBI ( IC3 ) report along with all text messages and documentation of each day 's occurrence. 
* I asked XXXX about FDIC coverage for the financial loss that incurred and received no response ; also, I asked for a Currency Transaction Report ( CTR ) and received no response. I also said to her that if I didn't have online banking this situation wouldn't have occurred, inferring I didn't receive the proper protection *I asked XXXX if I could call the Fraud Dept. , she responded with " no '' we're handling this internally. 
*With XXXX XXXX help I was able to withdraw monies in order to open a new account with my new bank. 
* On XX/XX/XXXX, I withdrew my automatic DRS deposit and asked XXXX to call me and she said she would tomorrow XX/XX/XXXX, ( to this date she hasn't called ( ( it's XX/XX/XXXX ) ). 
* I'm feeling I'm being disrespected and ignored by staff members that I respected deeply by not informing me of this ongoing investigation.
Product: Credit card

On XX/XX/year> I engaged with a company called " XXXX XXXX  '' which guarantees artists that they will not use BOTS to generate fake streams. This is a signed contract and XXXX also has said they will remove any artists from the platform immediately if they discover bot activity. When I went into my account on XXXX for Artists, it was clear there were huge spikes that fell to XXXX, and other classic signs that XXXX XXXX used bots. I tried to contact the merchant who would not refund the money, and I submitted a dispute to Amex. Amex now uses AI to handle credit card disputes, so the first time they closed down the case without reviewing. They only sent me a general PDF the company sent, which is a sales pitch on how the company works and never linked my account. The second time I re-submitted upwards of 17 pages, showing my account specifically which has clear bot activity, and upwards of several trusted music and tech periodicals which show patterns of bot activity and outline bot activity. I also included XXXX 's policy which says they will kick artists off the platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received a copy of my consumer report XX/XX/2022 and am frustrated to have found so many inaccurate accounts being furnished in errors. Pursuant to 15 USC 1666b, a creditor may not treat a payment in a credit card account under an open-end consumer credit plan as late for any purpose. Congress has noted that Experian, XXXX and XXXX XXXX is not backed by any government agency and is simply an elaborate mechanism developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character and general reputation of consumers. Congress has also made it clear that Experian, XXXX XXXX and XXXX have assumed a vital role in assembling and evaluating consumer credit and other information on consumers pursuant to 15 USC 1681. Per Congress l, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. Experian, XXXX XXXX and XXXX acted impartially towards me because you furnished inaccurate information l, defaming my character and reputation, with no proof. Not to mention l, I never gave Experian, XXXX XXXX and XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b as well 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) because information solely as to transactions or experiences between the consumer and the person making the report should be EXCLUDED from a consumer report so you have no authority to furnish this information. Experian, XXXX and XXXX XXXX has caused me severe stress and anxiety due to these abusive and unfair practices.
Product: Debt collection

Issue, just graduated high school went off to college. I am on my mothers insurance and all Bills are sent to my mother who will handle bill if received. I did not receive a bill while in college nor knew that I owed a balance when XXXX  insurance company said my yearly deductible was meet. I have never spoke with this agency until I viewed my credit and called and ask a question. The lady on the phone was rude, got FLY and said You are responsible for this bill period. She did not give me any detail nor did she explain what was it for. I tried over and over to prob for more question but the more I did the ugly she was, it was just pointless. 

I felt so lost and did not understand why was I treated like a criminal. College student first year in college as a freshman did not have a job just a struggling student coming from a 1 parent household. My mother is handicap and does what she can to help me while in college and pay bills with her XXXX. Even my mother called and ask question but they are rude and told her he owes this bills. Now Texas does have the HIPPA LAW. They violated this. All info was given. My information should be private and not released to any one. When a payment was made HIPPA rights was violated, then years later Im still looking at this same bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Citibank twice now in last 6 months for Credit Line increase to my Best Buy Credit card account. 
Both times they have run Hard Credit Inquiries with out seeking permission from or prior approval from me. 
Yesterday when I called them on XX/XX/XXXX, they told me that Credit inquiry will not be made and then they made a Credit inquiry, after telling me that inquiry will not be made.

This is not good faith business practice.
Product: Checking or savings account

Hello, I received a CP2000 from IRS on XX/XX/XXXX for an error on my XXXX tax return because of a mysterious debt cancelation that occurred in XXXX. This is the first time I became aware that I was a victim of identity theft and fraud on XX/XX/XXXX with my social security number being used along with an old address I occupied 16 years ago to open some sort of online bank account with US Bank NA, XXXX XXXX XXXX  XXXX. XXXX XXXX, MN XXXX. The perpetrator unlawfully received {$10000.00}. US Bank says it was some sort of debit card and bad deposit transaction. Since a 1099C has been filed with the IRS, the IRS now looks to me for the " unclaimed income '' and is charging me with a {$2300.00} invoice. 

I have officially filed a police report with my local department and have an open case with USBank. 

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

I am a victim of identity theft please remove this inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have several times and long time to request and to fix the credit that has been in the credit reportfor a long time and they dont respond back ever. please see previous complaint # XXXX complaint againts EQUIFAX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT AND NOTICED I HAD UNAUTHORIZED COLLECTION FROM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. THAT I DO NOT RECOGNIZE I BELIEVE SOMEONE XXXX HAVE APPLIDED FOR SOME THINGS IN MY NAME AS FRAUDULANT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. As I reviewed my recent report, I have found an erroneous information reporting on my XXXX Credit Report. I am not sure if you have conducted a thorough investigation for the stated item below : XXXX XXXX XXXX XXXX Balance {$6000.00}
Product: Debt collection

I have submitted a letter of cease and desist to Portfolio Recovery on XX/XX/2020 after receiving about 100 calls in the last 6 months, to only contact me by mail communication. I have been constantly receiving harassing calls from this company from different local area codes, I have made them aware of the letter that was sent to them and they have neglected my plea. I recently found out that I am able to file a complaint with the FTC. I have documented numerous calls with times and dates and some of the representatives names to keep for my records : XX/XX/2020 at XXXX XXXX  XXXX XXXX, XX/XX/2020 at XXXX XXXX  XXXX XXXX, XX/XX/2020 at XXXX XXXX  XXXX XXXX XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX. Please help me resolve this situation. I have also requested a debt validation under FDCPA sec. 809 ( b ), and they have failed to respond.
Product: Debt collection

I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.
Product: Credit reporting

XX/XX/XXXX I requested copies of my XXXX credit reports thru the annualcreditreport portal. I noticed that my Transunion report had a XXXX XXXX XXXX credit card account listed under " adverse accounts '' because of a late payment XX/XX/XXXX. I knew that I had never had a late payment on that account, so i submitted an online dispute with Transunion notifying them of the error. A few weeks later I recieved notice from Transunion stating that the information had been verified by XXXX XXXX XXXX and would remain as adverse on my credit report. Becaus I knew that i had never had a late payment, I called XXXX XXXX XXXX and spoke to a rep in their credit department. The XXXX XXXX XXXX XXXX confirmed that I had never had a late payment. I asked if they could send me a letter stating that the account was never late, and they did. After I received the letter from XXXX XXXX XXXX, I initiated another dispute with Transunion. This time I mailed the dispute, along with a copy of the letter from XXXX XXXX XXXX that said my account was never late. XX/XX/XXXX, I received a letter from Transunion with the Investigation Results from the latest dispute. They had removed the XXXX XXXX XXXX account from Adverse Accounts, removed the late payment, and listed the account under Satisfactory Accounts. I was satisfied with this and assumed the matter was finished. But recently when I requested a copy of my Transunion report, I noticed that the same XXXX XXXX XXXX adverse / late payment information had been reinserted into my file. I called Transunion dispute today, and they said they had no record of the information ever being removed. I would like for Transunion to remove the negative information from my report agian and to please not reinsert it. Also, if they do reinsert negative information that has been previously disputed / removed, i think Transunion should notify me in writing of the reinsertion. Otherwise my credit history is being damaged without my knowledge. Thanks for your help with this matter!