23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a bill ( {$86.00} ) for a phone service I didn't use and don't owe. In XXXX, I bought an XXXX XXXX from XXXX XXXX XXXX with the option to return it within 14 days if unsatisfied with the service or the phone. I returned the phone within that timeframe without using the service for the full 14 days. It's unethical for me to receive a bill for the subsequent month after cancelling my service and returning the phone. The service had been cancelled. I believe this bill was received because the manger ( at the local store ) was furious that I left a XXXX review about my experience at his store. The company admits their error but hasn't offered any resolution they say due to the time that has passed since the incident. Then, to fast-forward to the collections company ( Sunrise Credit Services ) I received a letter informing me that I had a debt, and if I wish to contest it, I should respond within a certain timeframe. Which I did respond by email on XX/XX/XXXX and did not receive a response from the company.
Product: Checking or savings account

On XX/XX/XXXX I went to get a hair cut and when it was all said and done I payed for the cut and was on the way to tip my barber but the accept button was being blocked by the keyboard on the phone so in trying to press the accept button a couple times I added 3 XXXX  and XXXX $ turned to XXXX dollars. I immediately called my bank XXXX XXXX right after 2x and both times they told me not to worry about it cause the spending limit is XXXX. My account is in the negatives and the bank has denied my claim to have it overturned. My barber also sent the money back to me as virtual receipt but a couple days later I called my bank cause their was no change to my account and they told me they don't know where the money went And Im being told that when they close my account it will affect my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of ID theft THIS IS NOT A DISPUTE. I have notified the XXXX credit bureaus numerous times on this crime and they are willfully, knowingly with intent refusing to REMOVE AND PERMANENTLY BLOCK several of these fraudulent accounts in an attempt to cause me damages. They are even allowing the alleged creditor to change the account numbers and dates to keep the fraudulent accounts on my report to cause me damages. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Please see Affidavit of ID Theft for a complete list of all fraudulent accounts associated with this crime. Willful refusal to remove and block is now a violation of several sections of the FDCPA AND FCRA specifically sections 605 ( b ), 615 ( f ) and 623 ( A ) ( 6 ). PLEASE IMMEDIATELY REMOVE AND BLOCK THESE FRAUDULENT ACCOUNTS within 4 days of receipt of this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out dispute of information reporting to bureau, came back VERIFIED, sent request for method of verification as my right in accordance with FRCA, no response was given to my request within reasonable time frame ( 15 ) days to ( 30 ) days. Instead an automatic XXXX XXXXXXXX response was sent 3 times stating that it had been verified disregarding my request for what method was used to verify this account. That is clearly in violation of my consumer rights even disregarding a solution or anything to the previous complaint I submitted to CBRP. I am demanding that this account be REMOVED PROMPTLY, as they were in CLEAR violation of my rights according to FCRA 611 ( 6 ) ( b ) ( iii ) I have  attached supporting documentation. 
Accounts Court # XXXX Court # XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF IDENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX
Product: Checking or savings account

I opened a free checking account and it's U.S. Bank XX/XX/2022 was supposed to have no fees they cancelled all the no fee accounts and are charging monthly fees of {$6.00} each month will not credit fees. 

I didn't not agree to a monthly fee account at US Bank this is fraud they are stealing my money since XXXX {$70.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the XXXX XX/XX/XXXX in reference to an account with Barclays. After the XXXX contacted them I got a call from someone in HR 3 weeks later saying they were working on my complaint and someone would address it in a few more days. I called back several times before I reached someone who saw the notes on the account indicating a settlement offer could be initiated. I was told the settlement offer was {$1100.00} and it could be sent overnight to XXXX XXXX XXXX XXXX DE XXXX. I was pre-approved for my mortgage XX/XX/XXXX. I was told this account was still showing an open balance of {$2500.00}. It was never updated to " balance XXXX, settled for less than the full balance. On XX/XX/XXXX, myself, my lender, and the credit department from my lenders office called on a conference call, and was told the payment was received and I owed nothing. Fast forward to Monday XX/XX/XXXX I called Barclays inquiring about why the debt hasnt been updated on my credit report and I was told because I didnt pay the entire balance. I asked the rep to review the notes on the account, which she did. She came back and apologized after seeing the notes, gave me a reference number XXXX and no explanation as to why 3 months have passed and this has not been updated on my XXXX credit report. They acknowledged the payment had been received and I know it was received because it was sent certified mail. I need it DELETED from my credit report at this point. Calling is a hassle because a person will be transferred 3-4 times before getting to the correct department and the problem still will not be resolved.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 XXXX  days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 card

Over the last month, I have now requested statements for XXXX through XXXX of last year for my amazon synchrony card several times now but to no avail.

Each time, I either login to the website and select on request past e-statments and also request them through the rep. Each time I'm told statements will be sent to me and nothing is sent and I keep requesting this synchrony over and over again.. No one can explain why my previous requests weren't fulfilled. For any phone contact please one call me at XXXX between the hours of XXXX XXXX, any other time is inconvenient I need these statements to file my taxes. I am requesting that synchrony resolve this matter asap.
Product: Debt collection

AFTER RECIEVING MANY PHONE CALLS, I SENT LETTER DATED XXXX XXXX, 2016 REQUESTING COMPANY CEASE ALL ATTEMPTS TO CONTACT ME PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). THIS WORKED UNTIL XXXX XXXX, 2016 WHEN CALLS RESUMED, THE MOST RECENT CALL CAME TODAY XXXX XXXX, 2016. ANY ALLEGED DEBT WOULD CERTAINLY BE OVER 10 YEARS OLD SINCE DATE OF LAST PAYMENT. THE STATUTE OF LIMITATION FOR LITIGATION HAS LONG PAST ( 5 YEARS FROM DATE OF LAST PAYMENT IN ILLINOIS ).
Product: Vehicle loan or lease

Around XX/XX/XXXX, I called bridge test to see about getting a deferment due to Covid hardship. As my unemployment ended and was only able to get part time work. I was told I could qualify but wasnt in hardship yet and need to call back in 2 weeks, I called back 2 weeks later and she stated that I still didnt qualify since I was not in hardship, although my payment was going to be 30 days late in a week on my first loan on XX/XX/XXXX. My second loan would be 30 days late on XX/XX/XXXX. She once again stated I call back. I received a call from bridge test on XX/XX/XXXX and went through the whole situation again. The customer rep then kept trying to get a partial payment for the vehicle that was going to be 30 days late on XX/XX/XXXX. I kept asking for a deferment and he stated he could turn it in but we would not qualify, and that by making partial payments we would not get repossessed. I asked him why we wouldnt qualify and he said because I wasnt working even after I told him I was. Then he proceeded to tell me that I would be worse off die to interest occurred during deferment than to just do partial payments. He also stated that it would be worse if we didnt make the next payment after deferment because it would put us in automatic repossession. I told him that we would be paying it off next month since we were receiving an inheritance. He proceeded to ask me about that. He kept just telling me I can put in deferment but you wont qualify due to hardship and kept proceeding to tell me to make partial payments. I explained to him that had they told me this 3 weeks prior we could have possibly made other arrangements since we didnt want a 30 day late on our vehicles. He just kept telling us our loan had more in interest on it than principal being paid and that it need to be fixed too. We didnt understand this since we made our monthly payments. On their website it states if you are having hardships due to Covid to reach out they will help. So now Im going to have 30 days late and worry about repossession when this could have been disclosed. After researching it I discovered we arent the only ones, they do this often. Making customers 30 days late and staying in predatory lending due to this. I actually recorded the whole conversation from XX/XX/XXXX from XXXX the representative, however it is too large to upload and unsure how to send it. I do believe the conversation and the questions he was asking were not standard in debt collection. He was quite invasive. At one point prior to this request during the high point of XXXX we had tried to do a deferment then but the customer rep told me I would owe {$30.00} a day in interest so I would be better off just paying the late fee, and he proceeded to ask about a stimulus that we hadnt received. But we thought the 30 a day was worth not damaging our credit but to find out from XXXX on XX/XX/XXXX that the interest was only 8 a day. I have attached a picture that states if you have hardship to call and make arrangements
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.
Product: Credit card

I just want to let you all know to be very careful with Capital One - they are known to be the credit card to help you build and or repair your credit - but seem to do the complete opposite. I have had a credit card with them for about three years ( always pay on time ) and towards the end of last year I had one of there XXXX reps set up a 3 month recurring payment ( prior to auto-pay being available over the phone ) - well this person failed to set-it up properly and my account defaulted one time. As soon as I became aware I brought the account current immediately and was advised that it would not report late on my credit report. Now I 'm purchasing a home and when they pulled my credit I realized it did report late and called - I had another over seas rep tell me she would remove the negative remark from my credit but it was not done. 

I also had my dentist overcharge me and not want to give me a refund so I did a dispute for the amount my dental insurance advised I over paid - they did credit my account only to recharge me later. They say I did n't return the papers they sent me which I never received - after hours on the phone I was told if I faxed the documents they would re credit me a little less than half of what I was over charged. I faxed the papers and nothing. 

After numerous calls and complaints I got as far as speaking to their executive office which you need a special pin for. The account manager handling my complaint at the executive office was XXXX at XXXX XXXX XXXX XXXX XXXX - he finally called me today to let me know that after the " executives '' quote on quote reviewed my complaints they came to the conclusion that - well basically they are not going to fix either error they caused. 

After numerous hours on the phone with them XXXX by now I should be on their payroll XXXX a big fat NOTHING. I just want you all to be careful with Capital One - If you do n't babysit them and you do n't catch their mistake in time they will not help you correct them and in the end it may damage your credit more than help it!!!
Product: Debt collection

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX XXXX XXXX and the collection company FRANKLIN COLLECTION SV a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Product: Debt collection

I am receiving collection telephone calls from a medical collection agency called Optimum Outcomes. This company is attempting to collect on a debt which is 7 year old or more and pass the statute of limitations for debt collection. The calls are appearing on my home telephone number. 

Since the SOL has expired for the debt, there is no continued need to contact me. Legally, the company can no longer contact me.
Product: Debt collection

This account was discharged in a bankruptcy on XX/XX/year> in the State of CT. I've contacted Prosper numerous times over the last few weeks to tell them but they continue sending me emails, messages and today I received a letter from them in the mail.
Product: Student loan

I have a loan with XXXX XXXX/NAVI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX/NAVI with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX - XX/XX/XXXX.
Product: Mortgage

Caliber Home Loans did a XXXX Modification on my home back in XXXX I fill out Application and Modification was approved, about XXXX  months has passed and I received a letter stating my mortgage was increasing due to me not paying my XXXX Fees and my escrow was in the negative the Caliber paid over {$8900.00} from my escrow because they received a letter from my XXXX XXXXXXXX XXXX that I have not paid any XXXX  Dues. On completing my Caliber Home Loan XXXX, I stated I did not have any outstanding XXXX Dues and I attached a copy of Cashier Checks from my back. In total XXXX XXXX XXXX  received over {$14000.00} of XXXX dues. Caliber Homes never asks the customer anything regarding payment to XXXX  dues. Instead, Caliber Home Loans pay XXXX dues on top of what I have paid. In turn, my mortgage lender has changed over to XXXX XXXXXXXX XXXX I have several documents that I was told to fax in a know one has never responded. This brought great XXXX  to me and my Finances. I am about to lose my home. I have every copy of Cashier checks banking statements emails and copies of cashier payments to my XXXX XXXX XXXX and my current Mortgage XXXX XXXX XXXXXXXX XXXX  XXXX. I have done everything to resolve this issue with no prevail
Product: Student loan

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I LOOKED AT MY REPORT AND NOTICED FRAUDULENT ACTIVITY. THERE ARE ACCOUNTS AND INQUIRIES THAT ARE NOT MINE. 
1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I discovered a fraudulent hard inquiry on my credit report from XXXX XXXX due to identity theft. I contacted XXXX XXXX and they confirmed the fraud. XX/XX/year> ], I received a letter from XXXX XXXX stating that they requested Equifax to delete the inquiry from my credit report. 

Despite this confirmation, the fraudulent inquiry has not been removed by Equifax as of XX/XX/year>. I have taken steps to resolve this issue but have not received any further updates or action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account, its fraud account, I do not know it so please delete it forever
Product: Credit reporting or other personal consumer reports

I have already filed one complaint against this issue with XXXX XXXX XXXXXXXX and they agreed to have account deleted from credit report. XXXX acted in a timely manner and within 2 days promptly had my account removed and my credit report with XXXX reflected positive changes and my score increased. Trans Union has failed to update their credit report to reflect this account as closed, as well as they have had issues in the past updating my other personal accounts. I need this account with XXXX XXXX removed as the company agreed.
Product: Credit card or prepaid card

I have had an account with kohls charge card for about 7 years. I have always paid on time and never been late and have perfect credit! This company stated I made a late payment in XXXX, I have called this company several times to dispute this as well as XXXX, I have mailed XXXX letters and their customer service explained all my payments were received and even though I pay them in advance they were applied to the wrong statement months.
Product: Checking or savings account

A Bank of America settlement check from XXXX was issued to me in the amount of {$1900.00} XX/XX/2021. I went into Bank of America and requested to cash the check and make a deposit into my account on XX/XX/2021, and the teller made the mistake of crediting the check to my account which had a negative balance at the time of my intended deposit. The branch manager XXXX XXXX had authorized the teller to do a counter credit for her error, and correctly cash the check as I intended and instructed me to deposit the cash in the ATM for funds to be available immediately. On XX/XX/2021 my account was charged a {$12.00} return charge fee, along with returning the full amount of the check of {$1900.00} stating the check was fraudulent leaving my account with a negative balance of - {$1100.00}. 

I spoke with the XXXX adjuster who issued the check, XXXX XXXX, and he assured me funds were good and the system shows the check has been cashed. On XX/XX/2021 I went back to the branch I cashed the check at and spoke with branch manager XXXX, he then called Bank of America specialist who could fix the mistake in its entirety. Said funds for the full check amount would be back in my account within XXXX business days, Tuesday XX/XX/2021 at the latest and apologized for the grave mistake. 

It is Tuesday XX/XX/2021. I have not received my money and I have been unable to get a hold of the branch manager who assured me the mistake would be taken care of.
Product: Debt collection

collection company reporting outdated and fraud accounts not mines ... XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX ... .never done business with companies