23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I signed up with XXXX with the agreement that my monthly bill would be approximately $ XXXX/month. I informed XXXX shortly thereafter that when I was at home the signal was so poor that the phone was unusable. In response their " customer retention '' staff sent me what they called a " signal booster, '' which solved the problem. One day the signal booster was not working so I called their tech support line. Rather than troubleshoot the problem they immediately decided to just send out a new booster which arrived several days later. However, about an hour after speaking with XXXX tech support the equipment suddenly started working again, so I called XXXX tech support again and they told me they would now send me shipping materials to return the old equipment. I did n't need the new equipment, and the shipping materials they sent were in no way suited to fit the box containing the shipped item. Rather than waste time and money shipping the unopened package I simply delivered the unopened shipment to my local XXXX store and they said no problem. Due to the inconsistency of their billing, i.e. my beginning monthly bill was about {$55.00}, but over several months it crept up to over {$80.00} per month. Seeing a massive charge on my following bill for the signal booster was the final act of financial misconduct I was willing to tolerate from XXXX. I cancelled my account and paid my cell phone usage balance, but not the charge for the equipment that I saw on my bill. 
Now I 'm seeing these derogatory remarks on my XXXX and XXXX credit reports with a ridiculous charge of {$700.00} by a collections agency called Convergent. I am quite frustrated and confounded and I think the charge and the negative remark should be removed from my credit report. If there was a balance on my cell phone usage for the account I would gladly pay it and have the matter resolved, but to be erroneously charged for an untouched, unopened, and returned piece of equipment is downright unfair. 
I have a decent job and have paid every debt ( besides this one ) in full ... .i.e. not a reduced amount or a settlement, but paid in full so as to encourage positive reports to the credit bureaus. This charge from XXXX or Convergent is inaccurate and out of line. This is my dispute.
Product: Credit reporting

XXXX wireless shows as collection but I 've never had nor opened an account with XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I applied for a credit card on Bank of America online, the credit card was approved but days later I received a letter telling me to bring some documents to the nearest branch, which I did. After that, on XX/XX/XXXX, I called to see what the status of my application was, and some credit analyst agent did a hard inquiry of my credit without asking for my permission or letting me know in advance, for the same credit card they had already check my credit on XX/XX/XXXX, which is illegal and will affect my credit score. I tried to contact with them to make them fix the issues, so they could contact the credit buraus and delete the hard inquiry, but they just keep creating cases and they do not provide any solution. The cases they created are : XXXX ( created on XX/XX/2024 ) and XXXX ( created on XX/XX/2024 ). I have the recorded conversation with their credit analyst, but it is a file with XXXX MB of size and I can't upload to this claim where it is evidenced everything said above
Product: Money transfer, virtual currency, or money service

A check deposit in the amount of XXXX made on XXXX shows funds availability date of XX/XX/XXXX, the processing time frame chosen is ten day days, XX/XX/XXXX is months away not ten days. The transaction ID was provided in prior complaint. That complaint pertains to this error, XXXX XXXX with Bluebird replied and referred to BMA ( Bluebird Member Agreement ) rather than look into the issue, it appears to be a technical error. The BMA has nothing to do with this technical error, I chose ten days a processing time frame instead of money in minutes and again, its showing available on XXXX XXXX. Despite what the rep claims, I did in fact make a call in re and brought it to that rep 's attention, I did not imagine this and the reason there is no record if it is because they do not record and or make note of every call they receive.. If they did record and or make note of every call then their records would be quite extensive to say the least. Needless to say, their claim of no record of call is bogus. Funds should be available on XX/XX/XXXX, which is ten days, not XX/XX/XXXX XXXX
Product: Debt collection

I have sent letter dated XX/XX/ to Credit Management to discontinue collection efforts as this debt is not mine. I have not received any communication other than an invoice for the amount on {$1100.00}.
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS {$3100.00} JEFFERSON CAPITAL SYSTEMS {$640.00} JEFFERSON CAPITAL SYSTEMS {$1800.00} THESE ARE NOT MY ACCOUNTS.I HAVE NO KNOWLEDGE OF THESE ACCOUNTS. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT PROFILE. 15 USC 1681b.
Product: Debt collection

I have attempted to contact this company multiple times for the last few months, which they stated they do not have the account and it was charged off. I have asked for more information and my options. This company continues to report a balance for this account even though they claim it was charged off. I even contacted the company they say they charged it off to which is XXXX, XXXX also has no knowledge of said account. At this point I have no way to locate this account, no way to request more information and no way to resolve this said issue. Its very frustrating for me because it contains to ruin my credit but I am not given the opportunity to request verification and/or settle. 


I have waited a whole year since my last complaint and I am still in the same the position nothing has changed I think this is more than enough time
Product: Vehicle loan or lease

On XX/XX/2023 I called Chrysler Capital to report a XXXX XXXX Payment towards the balance of my car loan. The payment made was for {$1200.00}. I spoke to agent by the name of XXXX. XXXX provided that her XXXX Employee Agent Number was XXXX. I provided her with the XXXX XXXX reference number that is required a XXXX XXXX payment is completed. Up to date the payment I made of {$1200.00} has not been posted on my account towards my car loan. Today, XX/XX/2023, I called back to follow-up on why the payment has still not posted on my car loan. The first agent I spoke with stated that her name was XXXX and that her Chrysler Employee Agent Number was XXXX. The agent immediately stated that I was 116 days past due and owe a payment of {$2200.00} and hang up on me. I called back and get a different agent. The agent stated that her name was XXXX and that her Chrysler Employee Agent Number was XXXX. The agent immediately stated that I was 116 days past due and owe a payment of {$2200.00} and there is nothing that she can do to help me, other than notate the account as it is XXXX XXXX XXXX responsibility to find Chrysler Capital and pay them. I requested to speak to a Supervisor. The supervisor stated that her name was XXXX and that her Chrysler Employee Agent Number was XXXX. XXXX provided that I was 116 days past due and owe a payment of {$2200.00} and there is nothing that she can do to help me other than notate the account as it is XXXX XXXX XXXX responsibility to find Chrysler Capital and pay Chrysler Capital. XXXX further provided that XXXX XXXX reference number for the payment I made of {$1200.00} on XX/XX/2023 was not sufficient enough information which is the opposite of Chrysler Capital expectations that specifically states on their website that to be sure** to call Chrysler Capital at ( XXXX ) XXXX with your reference number or master transfer control number once you have completed the payment process. ** My issue remains unresolved.
Product: Credit card or prepaid card

I went shopping at an outlet mall in Florida when I was about XXXX XXXX XXXX. The lady at the cash register who checked me out, offered me the XXXX XXXX Credit Card which would take 20 % -30 % off of my purchase. So I said sure but I still want to pay cash. I got approved for the card and gave her cash ... But I guess she charged the items to the clothes as well. And I had no idea about this. I was a young kid and didn't know anything about credit cards or how they worked at all, I was only XXXX XXXX XXXX. So 2 months later I get some mail saying I have a late payment due, which I had no idea about. So I called the company to try to figure out what was going on and resolve this situation, but they were of no help. I racked up late fees on the account and had to pay an extra {$92.00} for being late. I was only working part time when this was going on so I really couldn't afford the {$170.00} balance and {$92.00} fee or whatever it came out to, I was a broke XXXX XXXX XXXX. I tried to get them to understand where I was coming from, my mistakes, and how I wasn't aware I was late. I was hoping they would reason with me and take the late payments off since I didn't even know they were though, but they didn't. They said I needed to pay in full, and I could not afford to. They would not help me out in anyway, so I had to borrow money from my dad who was not making much money at the time either, just so I could pay off this card. I Paid it in full, and then closed the account to make sure this did not happen again, and because I was very unhappy with XXXX   XXXX Credit Card support, they made me not want to continue business with them ... As you can see this is the only late charge on any of my accounts and my oldest one is over XXXX XXXX XXXX I have paid on time to everything else and have been extremely proud of my credit standing.. Until just recently.. My credit dropped 31 points!! Out of nowhere! On my XXXX Credit Scorecard it says reasons affecting the drop were number of missed payments.. This late payment with XXXX XXXX was back in 2013. Plus, last time they updated my credit report to XXXX was XX/XX/XXXX, XXXX SO this clearly was already on my credit history and reported years ago, but is just now affecting my score?? I think something went wrong, because this was already on my account and shouldn't just now be affecting me.. Sorry for the long message, but I hope you can understand where I am coming from.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Credit Report Errors and Collections Dear CFPB, Experian failure to correct the disputed accounts in accordance with 15 U.S.C. 1681 ( i ) is a violation of federal law. As of this date, I demand : 1. Immediate removal of the erroneous entries.

2. A written confirmation of corrective action within 5 business days. 

I demand that Experian immediately cease and desist from reporting inaccurate and unverified debt information in my credit report. Pursuant to 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), I dispute : Disputed Accounts with Creditor Names and Account Numbers : Collection 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 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 Experian previously reported these accounts as verified, but I requested proof in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ) AND Fair Credit Reporting Act 609, and Experian has failed to provide any of the following : 1.Verification documents 2. Name of the original creditor 3. The creditors address and telephone number 4. Name of verifying individual 5. Copy of contract between me and Disputed Creditor 6. Purchase agreement of debt XXXX. Insurance claim documentation XXXX. XXXX XXXX XXXX XXXX XXXX ) with original creditor XXXX. Statute of limitations documentation 10. Date of last missed payment 11. The documentation used to verify the dispute If Experian is unable to respond in a timely manner and provide the above items, please delete the accounts from my credit report to prevent further damage and if these actions are not completed promptly, I will pursue statutory and punitive damages under 15 U.S.C. 1681n. Experian intentional non-compliance will also be reported to the FTC, CFPB, Florida Attorney General and state regulatory agencies. 

Remove these disputed accounts immediately and permanently, ensuring 100 % accuracy and send me a written confirmation of corrective action within 5 business days. 

Documentation : Complaint ID with CFPB XXXX XXXX XXXX XXXX XXXXXXXX Also, as asked Experian before, they need to please correct and delete the following personal information : Delete Address History :
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a closed XXXX Auto account in XX/XX/XXXXof 2022. Since that dispute, the account status has now changed to open and the monthly payments amount reported is {$6100.00}. Since filing a dispute with XXXX XXXX, XXXX, and Equifax my score has dropped from XXXX to XXXX. The biggest factor being my debt to income ratio which now is over 100 percent of my income. This is so let attributed to the supposed {$6100.00} dollar monthly payment being reported by XXXX Auto. If you review myXX/XX/XXXX 2022 credit report you can clearly see this account was closed for well over a year. Then after the dispute it e as reported as open and the remarks and monthly payments changed. Almost every negative account on my file has incorrect dates and billing information. Equifax was submitted the same disputes as XXXX and XXXX and failed to investigate any of them disputes to this date. Well over the 30 day time frame. I have a certified receipt showing the day it was received. I have tried multiple times in the the last year and a half to resolve my disputes and have my credit files corrected and updated to no avail.
Product: Debt collection

XX/XX/XXXX I send a Notice of Dispute letter out certified mail # XXXX asking LVNV FUNDING LLC to provide information to support their claim that a debt was owed and proof that they have a valid contract with XXXX XXXX. I have yet to receive any evidence that I owe LVNV FUNDING LLC a debt and for the record I have never contracted with LVNV in association with any services including any debt. They continue to report misleading and false information to the credit bureaus which has affected my credit score tremendously. My next recourse will be to file suite against them for identity theft because I never consented to them using any personal information that could cause harm to me. This is pursuant to 15 U.S. Code 1692g ( b ) and section 809 ( b ) of FDCPA.This includes XXXX XXXX XXXX as well, whom I believe handles some financial aspects of the company.
Product: Checking or savings account

Starting in XXXX my account with XXXX XXXX and Bank of American and XXXX XXXX Where compromise. I was being hack into my accounts. Some accounts where stolen and change over the phone and others money was going missing through online banking. It actually showed on my cell phone that 6 other people where stealing my money. 

I called the bank right away and issue me some money back and we change my account but as soon as they did my money was stolen again. Because the money was direct deposit through Social security XXXX insurance. 

Then I open another account with Bank of American and the same thing happened they stole {$4000.00} from my SSDI again. Still have never got my money back. Then I opened another account with XXXX back all again someone over the phone stole all my money with a fake check that they cash over the phone along with all my money. Four years later no bank has giving back my money. I've been going through Identity theft for 4 years have called the police and made over fifty-five police reports and still the police say they can't do anything. This had lead me broke and homeless. I lost my job dure to all this as well as my car. I'm XXXX and now leaving under a bridge in XXXX California. I'm seeking help if possible to resolve this matter if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have authenticated over the phone that a person in the executive team rapidly sent a correspondence without completely doing their due diligence. The conversation started with the amount owed for XXXX of XXXX. The amount has tripled. They claim that their XXXXXXXX XXXX is no longer in effect. The XXXX XXXX was over many months ago. In fact it should have not been in effect since they closed my account and also caused delinquency. The gentleman that I spoke to started to then go backwards to XXXX of XXXX in which he said I made charges. I asked him did I pay the bill and he authenticated that I did. Then we started moving forward to the months after that and he authenticated that payments were made. Then he skipped all the way to XXXX in which he started to all the previous months and tried to change the conversation. He claimed I didn't make the payments. Meanwhile I said that XXXX XXXX XXXXXXXX didn't allow me to make payments, canceled my card and in addition hurt my credit score. This same gentleman wanted to talk about XXXX and not talk about the issue. XXXX XXXX XXXXXXXX was the fastest to respond and I asked him if he listened to the voice recordings and do his due diligence. He ignored the question. We spent XXXX hours talking about subjects that he wanted to avoid. 
Regardless he claimed the case was closed and I said how can the case be closed if he hasn't done all his full due diligence. He then admitted that he needed to do more research. I mean seriously ... You conclude and then say you need to do more research. 
Regardless I have submitted and uploaded that I have made payments to this website and I also proved to XXXX XXXX XXXXXXXX and they still refuse to accept that they have made massive hurtful errors to me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX  during the amidst of XXXX, my spouse having been XXXX, and loss of income, I unintentionally incurred a late payment on my USAA credit card account. I have no prior late payments or any late payments made after this month. I had thought the account was put on autopay and am not sure what happened. However after discussing with USAA they refuse to remove the late payment which is negatively impacting my credit score. Due to the circumstances at the time, and given my current account status I dont understand why the company has not looked into the matter perhaps it was an issue with the app or something and forgive or dismiss my ONE late payment.
Product: Credit reporting

The institutions are implying I filed XXXX bankruptcies within a 2 year span. This was the same case and was discharged XXXX/XXXX/2012. It was initially filed in the Federal Bankruptcy XXXX in XXXX, XXXX. XXXX This is allowed because of the closeness XXXX. ) I was a XXXX resident at the time. XXXX of the creditors, XXXX XXXX XXXX protested the XXXX XXXX Courts XXXX and the case was dismissed on this technicality and reopened XXXX. The other sited dismissals are movements through the court or a conversion from Chapter XXXX to XXXX. Mortgage Investors denied my XXXX Dream mortgage based on this inaccurate information. Whoever reported this did not read the case and reported this in bad faith and in lieu of an understanding of Bankruptcy law.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Inaccurate Reporting and FCRA Violations Dear Experian, XXXX, and XXXX, I am writing to dispute the inaccurate information being reported on my credit report regarding my XXXX XXXX account. This discrepancy is a clear violation of the Fair Credit Reporting Act ( FCRA ) and has significantly impacted my creditworthiness. 

There are inconsistencies in reporting between XXXX and XXXX regarding my last payment date for the XXXX XXXX account. XXXX states it was XX/XX/2022, while XXXX claims it was XX/XX/2022. Additionally, there is a discrepancy in the reporting of my XXXX, XXXX, and XXXX late payments, with XXXX reporting them as XXXX while XXXX provides different information. 

This inconsistency has caused confusion and undue harm to my credit profile. I have diligently collected evidence through XXXX XXXX to substantiate these claims, and I urge you to conduct a thorough investigation into this matter. It is imperative that this inaccurate information be rectified promptly to restore the integrity of my credit report and ensure fair and accurate reporting. 

I request transparency throughout the investigation process and timely communication regarding the steps being taken to resolve this dispute. Failure to address this matter will leave me no choice but to pursue further legal action to protect my rights under the FCRA. 

Sincerely, XXXX XXXX
Product: Debt collection

This debt I am writing about is an XXXX XXXX XXXX  account XXXX. I was enrolled in their internet program for low income households which is supposed to be at {$10.00} a month. I spoke with the female customer service rep from the XXXX and she assured me that this will be taken care of. She did explain what happened that for some reason I was taken out of the access program without my permission. She said shell put me back in it. I didnt worry because XXXX XXXX XXXX has great customer service. Until I started getting the bill. So Apparently the bill wasnt taken care of as assured. At that time since Ive been enrolled in the XXXX. I am unemployed at the time and I was and still qualified for the program for no cost internet service. The male XXXX who helped me last year set me up with a new account and informed me that the balance of {$52.00} will be no more and that I wont owe it and that charge will be credited so I shouldnt worry anymore. He enrolled me in the XXXX internet program and assured me that the debt has been taken care and I am starting fresh. But now Im receiving these letters about me owing the balance. Can you please assist me with this? Im trying to improve my credit score and this keeps coming up. Thank you so much for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 14 days. I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. XXXX XXXX XXXX XXXX XXXXI had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. Date of Last Activity/Account Status/Date Opened/Date of last activity I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions.Thank you,