23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX my husband and I placed all of our credit card debt with a settlement company, XXXX XXXX XXXX. They settled our credit cards one by one for lesser amounts, and we thought we were getting back on track. In XX/XX/XXXX, XXXX XXXX sued me for the amount owed, which was {$1500.00}. Without my presence in court, the Magistrate ruled against me and filed a judgment for the amount of the debt. I contacted XXXX XXXX, and they told me not to worry, they would take care of it. In XX/XX/XXXX, I received a e-mail from XXXX XXXX stating that XXXX XXXX offered to settle with them for {$1000.00}. I accepted the offer and told them use funds in my account to settle. I assumed that it was taken care of, until I received a letter on XX/XX/XXXX from a collection agency, XXXX, XXXX XXXX XXXX XXXX., XXXX saying that the account had been placed with them for collection.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

My name on my credit report is XXXX XXXX XXXX Writing to dispute these ILLEGAL COLLECTIONS AND INQUIRIES ON MY EXPERIAN REPORT! THESE ITEMS ARE ILLEGAL AND UNAUTHORIZED AND NEEDS TO BE REMOVED IMMEDIATELY FROM MY XXXX, XXXX, AND EXPERIAN REPORT. MY INFORMATION WAS BREACHED VIA XXXX BREACHES, XXXX BREACHES, AND ALSO EXPERIAN. YOU GUYS HAVE FAILED TO DO YOUR JOB AS CREDIT BUREAUS IN PROTECTING YOUR CUSTOMERS INFORMATION AND AS A RESULT I STILL HAVE ILLEGAL ITEMS BEING REPORTED BECAUSE OF YOUR CARELESSNESS. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Collections Date Opened XX/XX/XXXX Balance {$490.00} Account Number XXXX XXXX XXXX {$150.00} Date Opened XX/XX/XXXX XXXX XXXXt Date Opened XX/XX/XXXX Balance {$13.00}
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer, am authorizing XXXX XXXX XXXX and their representatives to dispute on my behalf as well. Complaints have not gone through because they are not recognized as an authorized representative. I give them permission to work on my behalf.
Product: Credit reporting or other personal consumer reports

I am writing this letter to dispute the dismissed XXXX  XXXX bankruptcy that is on my credit report. Under 15U.S.C 1681e ( b ), the CRAs are required to ensure the maximum possible accuracy of the information reported on my credit file. This XXXX  XXXX bankruptcy, although filed, it was dismissed and I did not move forward with the case. Instead, I chose to pay my debt. However, the XXXX  XXXX bankruptcy continues to report to all three CRAs, which is and has harmed my creditworthiness. This is a demand to have the XXXX  XXXX bankruptcy deleted from my credit report. 
I request that the CFPB intervene to ensure that the XXXX  XXXX bankruptcy can be removed from my credit report by the CRAs. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is proffered against XXXX, Experian, and XXXX for reporting incorrect or unverified information from a account named XXXX XXXX under account number XXXX and or XXXX. I filed a dispute with all credit bureaus and all bureaus verified information as correct/ accurate and denied my disputes. No other disputes are pending and a copy of the XXXX XXXX XXXX XXXX XXXX report is included in this complaint to verify said errors. The said errors are as follows : XXXX. Both XXXX and Experian report high balance for this account as XXXX. XXXX reports high balance as XXXX. Both can't be correct. XXXX. All XXXX bureaus report a different date of last activity. XXXX reports XXXX as XXXX. Experian reports XXXX as XXXX. XXXX reports XXXX XXXX. All three can't be correct. XXXX. Experian and XXXX reports are missing Date account was closed. XXXX. Both Experian and XXXX report Date of last payment as XXXX. Contrary, XXXX reports date of last payment as XXXX. Both can't be correct and verified as accurate. XXXX. Experian and XXXX both report Balance owed as XXXX. Contrary, XXXX reports balance owed as XXXX. Both dates can't be correct also. XXXX. Experian and XXXX both report past due amount as XXXX. Contrary, XXXX reports past due amount as XXXX. Both amounts can't be correct either. XXXX. Both Experian and XXXX are missing last date verified. XXXX. Experian report says date of last payment made was XXXX. Contrary on same report under 2 year payment history calendar, it shows last payment made was on XXXX. XXXX. XXXX report says last payment made was on XXXX. Contrary on same report under 2 year payment history calendar it shows in XXXX account was 60 days late. XXXX. Both Experian and XXXX payment history completely differ. Experian shows in XXXX of XXXX account was XXXX XXXX XXXX in XXXX 60 day late. Experian shows 30 day late in XXXX of XXXX and XXXX shows 90 days late in XXXX of XXXX. Experian shows 60 days late in XXXX of XXXX and XXXX shows 120 days late in XXXX. Experian shows 90 days late in XXXX XXXX shows 120 days late. All mismatched information.
Product: Credit card

I have been working with care credit the last few months to get my payment allocation resolved without any success. I have made multiple calls and talked to different people in different departments. I was told I need to wait and call back they could not access my account because it wasnt accessible, etc. They opened tickets to resolve my request. My calls were initially only pertaining to the promotional expiring on XX/XX/2024 with the initial purchase amount of {$420.00} and on my statement with a balance closing date of XX/XX/2024. They were misapplying payments to other promotions that were not expiring until after this one even after I requested to go to this promotion first. I paid way over the expiring balance and because my payments weren't applied properly it showed a balance and still shows on my current statement. 

They finally made some adjustments after much effort. However, after reviewing my statement to ensure accuracy I noticed something new. They can not explain to me why my promotional balance of {$330.00} exceeds the initial purchase amount of {$300.00} on my XXXX statement. I was told that my payment of {$50.00} on XX/XX/2024 was applied to this promotion. If the {$50.00} payment was applied to this promotion expiring on XXXX my balance would be {$250.00} but online it shows as {$280.00}. I am confused and they asked me to call back again. This feels very deceitful they are now moving money around to cover up their error. If I wouldn't have noticed this, I would have ended up paying more money. Please help me.
Product: Debt collection

I was called by a private number in XXXX. I did not answer the call and a voicemail was left. In the voicemail a man told me he would be at my home address between XXXX the following business day to serve me papers due to a lawsuit filed against me. He said that if I was not home he would show up to my place of employment and discuss the papers with my manager. He left a contact number and case number to return the call. When I returned the call a women said she was going to place me on a brief hold to get my paperwork off of the attorneys desk to review it with me. Once she returned to the call she said her company had been hired by Speedy Cash and I was being sued. I informed the woman that she was in direct violation of the Fair Debt Collection Practices Act and ended the call.
Product: Credit card or prepaid card

On XX/XX/XXXX, my credit card was fraudulently charged for a XXXX  purchase of XXXX. After which noticing, I contacted XXXX  and Capital One to resolve. Capital one issued a TEMPORARY CREDIT and XXXX  refunded the Amount. XXXX  refunded their authorization made on their end by another purchase on XXXX  for the same amount. Capital one reversed the temporary credit and I was left with a negative balance from having an over credit. I contacted Capital One and they sent me a refund of the credit minus the amount of a Hotel purchase that was on my card for $XXXX. On XX/XX/XXXX, I was charged again for the fraudulent purchase after which speaking to a billing specialist on XX/XX/XXXX and them reassuring that at that time, this was figured out. This is deceptive billing practices. I shouldn’t be made to pay for a transaction that I did not make
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I noticed Fraudulent accounts on my credit report. Please remove these accounts from my credit report they are hurting my ability to obtain credit.
Product: Consumer Loan

My complaint is with Advance Financial in XXXX Tenn. XXXX They changed my payday loan to a flex loan my loan was {$940.00} due XXXX payment {$35.00} XXXX payment XXXX payment XXXX {$110.00} I have made both payments on time I now owe XXXX My next payment is XXXX {$110.00} the. Interest is XXXX per day and XXXX customary fee.Advance Financial lied to me about this Fllex loan the way they set this loan up I will never get it paid off. Its a rip off big time I have pleaded with them to terminate my loan because they did n't tell me the truth about this new loan.
Product: Debt collection

I would like to file a complaint against a collection company called IC Systems INC for adding this fraudulent account to my Experian Credit Report. I never heard of this company before and I never received anything in the mail from this company nor did I receive a phone call from this company This 3rd party collection agency is attempting to collect and allege debt from a company called IC Systems Inc in the amount of {$650.00}. IC Systems Inc. is required by the state of NC to provide a copy of the License and per their website, it does not show a copy of their company License to collect any debt in the state of North Carolina This collection company NEVER once mailed me, a consumer any information pertaining to this alleged debt. This company has violated 15 USC 1692g- Validation of debts because as a consumer I was never given a chance to ask for validation of the debt.

This collection company is also in violation of the 15 U.S. Code 1692c - Communication in connection w
ith debt collection which states " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt '' I will not contract with this company and I demand that this fraudulent account be removed off of my XXXX  Report and I would like to say they do not have my written expressed consent to having this adverse and fraudulent account report to ANY of the major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have conflicting statuses on an account I know nothing about. When I tried to contact the company one person told me that the account was closed, another person told me that the account was open, and another person told me that there was no record of the account. Consumer Reporting Agencies have assumed a vital role and are responsible for reporting Consumer information to the best of their ability with Maximum Accuracy. I have never opened an account with this company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that this account is opened or closed and also whether or not it is mine. If proof can't be provided I demand this account to be removed as I have been having problems getting approved for many things and this is affecting my lifestyle negatively. I have contacted them to inform them this is me and provided documentation that it is indeed me contacting them to remove this information from my consumer report. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Thank you.
Product: Debt collection

I am a victim of identity theft. When checking my credit report, I noticed debt from a company I had never heard of. I contacted the company to dispute the debt, and asked specifically what form of identification they used to verify the person using my social security number was actually me. They refused to provide that information, and claimed that having my name and social security number was proof the debt was mine. I have never heard of this company. I never took out this loan.
Product: Credit card

XXXX XXXX XXXXcapitaloneXXXX At the above link, an article describes how to upgrade to a new credit card without triggering a hard credit inquiry. Embedded in the article is an unmarked advertisement designed to appear to be in the text of the article. Following the link leads users to open a new credit card account and triggering a hard credit inquiry. A senior account supervisor named Precious, employee ID number XXXX, at Capital One confirmed over the phone that this is an advertisement, and is not marked as an advertisement, included in an educational article. In being misled by this advertisement, whose purpose is opposite to the intent of the article, and embedded to be intentionally misleading, I opened a new credit card account by mistake. 

The instructions in the article are intentionally vague and generic, and the advertisement, which runs contrary to the article, is presented as part of the article. When I clicked the link, it led me to open a new credit card account and hit my credit score, which now impacts my ability to find housing.
Product: Debt collection

I have been disputing this account for some time now with Account Resolution Services. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX Balance : {$66.00}.
Product: Credit card

Hello, I experienced a scam through XXXX that is still not being properly resolved with my financial institution ( Bank of America ) where I filed a dispute or XXXX. 

To explain the situation, on XX/XX/2024, I was purchasing a physical item for XXXX ( {$83.00} USD ) from a seller who showed proof of having the item and agreed to ship it. I paid them the money but never received the item ( Transaction ID : XXXX ). They eventually decided to ghost me when I tried to contact them, indirectly indicating that they were not planning to ship it at all, as agreed upon initially. I paid through my Bank of America debit card and first tried to resolve it through my financial institution, but they would eventually deny the claim. At the time, I didnt know until around late XXXX when I continued contacting them to get some response from the ongoing issue that XXXX apparently told them that they didnt have any rights to working with them with the chargeback case, so they denied me any refund because of that. As a result, XXXX opened a case for me in XX/XX/2024 that would eventually escalate further ( case # : XXXX XXXX due to the lack of any recourse from the seller or the bank. So, my constant circle of calls and getting the same, not so helpful responses from both companies began and still persists today. 

On XX/XX/2024, XXXX closed my claim, siding with me and indicating on their resolution center website that I would receive a refund. However, the refund has never been processed by Bank of America ( who XXXX says is responsible for that ) or XXXX ( who Bank of America says should be responsible ). 

It is unacceptable how my case is supported but no action is being taken to fully conclude my dispute with the refund I rightfully deserve after someone who should have been trusted broke my trust for greed. 

I was wrongfully denied without even being given a chance to provide proof and Ive reached the limit to where I can wait any longer. I plan to file a complaint against both Bank of America and XXXX with my Office of the Attorney General in my state, the FTC and the XXXX  in this case.
Product: Student loan

MOHELA has failed to do the following items as of today, XXXX Auto enroll my account in XXXX Provide an accurate total payment amount of the next due payment Accurately count XXXX qualifying payments Process employment certification and other documents in a timely fashion I do not have a clear idea of my PSLF progress or my total due payment after XXXX
Product: Credit reporting or other personal consumer reports

Went to apply for credit one was denied when I pulled my credit report to find out what was going on and it contained false personal information reported the Id theft and put in disputes for all the wrong information reported but it's still on my report to this day
Product: Student loan

Called XX/XX/XXXX to request refund timeframe that I was told was 60 days. Called several times to follow up and I was told several times that request has been submitted. I called again XX/XX/XXXX way past 60 days only to be told that request wasnt properly submitted and now will need to reset the clock and will take another 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt not owed. Debt was paid in full.
Product: Credit card or prepaid card

I was targeted for a Chase offer on Chase XXXX XXXX card. The offer did not load to my card and I was unable to accept the offer. i reached out to both Chase and XXXX and was told there was a technical issue at Chase, and that Chase was aware of the issue and would address it. I spoke with Chase and XXXX at least 5 x on this. All of my conversations with Chase were documented in the notes. I met all the terms of the offer ( see attached ) with a stay at the XXXX XXXX XXXX in JXXXX XXXX XXXX. 

Chase owes me {$25.00}.
Product: Payday loan, title loan, or personal loan

My vehicle began to malfunction after I had taken it to a car wash on XX/XX/XXXX. The guy that detailed under the hood mustve wet something because ever since my check-engine like was on and my vehicle stopped in traffic twice moments after. Long-story short I towed my vehicle to Kia Dealership XXXX LA the very next day. It has been three weeks since and they claim they dont know what the issue is but will work on it. Then they start throwing prices at me about the fact they even hold my vehicle in storage. Mind you it has been hard to get in contact with who they claim is responsible with my service and when I finally do ( which is 3 weeks later ) he says hes been out. Im not sure how it works but how was my vehicle assigned to someone thats been out? My overall complaint is the unexpected fees charged to me because my vehicle was held in storage. No fees of which I was informed about. I canceled their services in week three and they say itll be {$220.00} dollars. For what? And then I just today find out I was entitled to a rental car until my car was fixed but no person informed me. Even so the services was so poor I would rather tow it elsewhere and have my uncle work his magic. Truly their service is horrendous. ~Kia XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Today is XX/XX/XXXX.
Product: Mortgage

My wife and I bought our home XX/XX/XXXX at which time we paid {$170000.00} and it was appraised at {$220000.00}. With the equity in the home we knew we should be very close if not past the point to be able to have our PMI removed from the mortgage once we made our XXXX payment this past XXXX XXXX. I contacted the bank to get the process started and they denied me by stating that I would have to provide proof of substantial improvements in order to be considered before having made 2 years of payments. I submitted to them work orders and receipts of installing a brand new heat pump system into our home. The house previously only had base board electric heaters and central air. This new system comprised of removing the old A/C system and placing a new air handler and duct work that ran through the basement in order to maximize efficiency and has since decreased our annual electric usage by about XXXX % and saved us almost $ XXXX/year in electric. We spent near {$19000.00} for this system and I understand all that would n't equate into new value for the home but it would have to add some value and make it more attractive if we were to ever sell. We have also added a new door to the basement which was n't there, we have replaced 27 year old wooden windows with upgraded XXXX triple pane windows as well as many other various small improvements. The bank denied me submission stating there was no sufficient work done. I immediately appealed and told them I would take my business elsewhere and they quickly accepted my appeal for a re appraisal. I sent them a check for {$450.00} as requested to pay for an appraisal. The gentleman who came to our home was rude and made a joke of our home whenever I talked about things we had done. He acted like our brand new heat pump was junk and made fun of us for it. His appraisal came back at {$190000.00}. I immediately appealed the appraisal and stated to them since we bought our home the local property values have gone up and our county 's XXXX has changed from 1.26 to 1.29. Plus the major improvement of installing the heat pump it is n't logical for the value to go down, especially not by {$31000.00}!! I attached my original appraisal which has the sale comparisons and they returned my appeal and said it was n't valid because I did n't specify what updates have been done to be considered, which I have said 5 times through this process with them. Somebody has committed fraud against us, either the original appraiser in order to help the bank close on the property or the XXXX appraiser in order to make sure I ca n't get the PMI removed.
Product: Student loan

I was enrolled in a program to pay student loans on XX/XX/22 for XXXX my next payment is not due to XXXX XXXX. After i paid this amount they have been harassing my cosigner my elderly grandma and keep harassing me with all these calls, voicemails. And emails. Then when i call them they like we sorry we see you paid. Then the harassing begin the next day. It is so overwhelming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus XXXX, XXXX  and Experian. It has been over 70 days and I have still not received any investigation results from any credit bureau. I included a copy of my drivers license and social security card as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.