23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have never used this card and XXXX  XXXX  ago I was billed for an XXXX charge. I called them and told them I was disputing the charge and that I have never used the card at all. They are now charging interest and late fees and calling it a delinquent account which is showing up on my credit report. All of this for an XXXX charge which I never made.
Product: Mortgage

We purchased the home in XX/XX/21. Since then the home has gained value. It's a new construction home. PHH mortgage company said they would be willing to drop the PMI with a new appraisal. I mailed the money to pay for the PMI drop and they received it. A week later they mailed me a letter saying the cost had gone up. I mailed a second check. For one month they said an appraiser would call me to schedule the new property appraisal. The appraiser never called. I called PHH mortgage multiple times and they told me they would escalate the issue with the appraiser. Then one week ago they called and said I needed to make major improvements to the house for them to give us additional value. The home is brand new, we can't and won't make any major improvements. I work for a mortgage lender and completely understand the process and this is not correct. Please help! Our current LTV is 66 % well below the 78 % needed to drop PMI
Product: Debt collection

Advance America XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Phone Number : ( XXXX ) XXXX Payment are supposed to be taken out of my checking account automatically on the 5th of the month. Permission was given to authorize that several months prior. 

On XX/XX/2019 I receive a call that the XX/XX/XXXX payment was " late '' requesting me to rectify a mistake that they had made ... .demanding that I pay the payment by debit card. I said I will do that ASAP via online. The company has continued to call me on a daily basis, even though I told them on several occasions that " I will pay it online before XX/XX/XXXX. '' Today, I called the corporate number only to be told that it is " within '' their right to continue to call until the debt is paid. 

I even now have to place their number on block to prevent the calls. But now they are using another number listed only as " Private '' on my caller ID to continue the harrassing calls. 
All I am asking for is for them to listen to what I am telling them to rectify a mistake that they caused. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I contacted the XXXX XXXX XXXX, XXXX on XXXX to dispute the bill on my medical report because they represent a company that did not send the medical bills to the VA for pay, ent. I am XXXX XXXX  service connected and the VA pays all medical bills. I called them with the VA on the line and gave them the info for submitting the bill for removal from my credit report. They continued to call and harass me and continued to report my credit to collections. 


I contacted XXXXXXXX XXXX XXXXXXXX by phone ( XXXX ) XXXX with the and notified them I was making a formal complaint because I contacted them on XXXX to dispute the bill on my medical report because they represent a company that did not send the medical bills to the VA for pay, ent. I am XXXX XXXX service connected and the VA pays all medical bills. I called them with the VA on the line and gave them the info for submitting the bill for removal from my credit report. They continued to call and harass me and continued to report my credit to collections. 

I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX They have repeated threatened me all of XX/XX/2022 to destroy my credit for medical bills because they represent a company that did not send the medical bills to the VA for pay, ent. I am XXXX XXXX service connected and the VA pays all medical bills. I called them with the VA on the line and gave them the info for submitting the bill for removal from my credit report. They continued to call and harass me and continued to report my credit to collections. 

I contacted Wakefield and Associates, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX They have repeated threatened me all of XX/XX/2022 to destroy my credit for medical bills because they represent a company that did not send the medical bills to the VA for pay, ent. I am XXXX XXXX  service connected and the VA pays all medical bills. I called them with the VA on the line and gave them the info for submitting the bill for removal from my credit report. They continued to call and harass me and continued to report my credit to collections. 


Wakefield and Associates, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX They have repeated threatened me all of XX/XX/2022 to destroy my credit for medical bills because they represent a company that did not send the medical bills to the VA for pay, ent. I am XXXX XXXX service connected and the VA pays all medical bills. I called them with the VA on the line and gave them the info for submitting the bill for removal from my credit report. They continued to call and harass me and continued to report my credit to collections.
Product: Checking or savings account

I signed up for HSBC Premier checking account in XXXX under a {$750.00} welcome offer for new customers. The terms were $ XXXX direct deposit per month for three months. I have completed this requirement in every month the account has been opened. Every month I call for the status and get the run around. I was told I'd see it at the end of XXXX. Then I was told XXXX. Then I was told XXXX. Now I'm told XXXX. This is completely unacceptable. Colleagues that also signed up under the same welcome offer in XXXX received their {$750.00} welcome bonus in XXXX. HSBC needs to honor their offer and deposit the welcome bonus to my account immediately.
Product: Debt collection

A company called Central Credit Services , LLC is attempting to collect an alleged debt that I owe to a collection company named XXXX XXXX XXXX. I am unaware of these collection agencies and I do not owe any money to these companies. This alleged debt has been placed on my credit report and I am requesting it to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The banks are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax report incorrect dates on my credit bureau report for Chapter XXXX Bankruptcy. Information should have been removed XX/XX/2020.  XXXX  and Equifax are verifying information through a 3rd party company and not the Court. I have contacted the court and they have told me that they Do Not verify bankruptcies for credit reporting agencies.
Product: Checking or savings account

I was expecting a check for {$1200.00} from the XXXX. After waiting for two months without receiving it, I contacted the XXXX and was informed that the check had been mobile deposited and cashed on XX/XX/year>. 

The check was mistakenly delivered to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, while I reside at XXXX XXXX XXXX XXXX. This mis delivery has been an ongoing issue, as I have repeatedly failed to receive important mail at my correct address. 

I currently XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, at XXXX XXXX XXXX XXXX. The XXXX provided us with a copy of the cashed check, which was electronically deposited by someone using the name " XXXX XXXX '' at the XXXX XXXX XXXX XXXX address. Upon contacting XXXX, we discovered that while the name on the account matched my friend 's name, the social security number and other personal information did not. 

Further investigation and a property records search revealed that an individual named XXXX XXXX XXXX resides at the XXXX XXXX address. It appears this person forged my endorsement on the check, made it payable to the " fake XXXX XXXX, '' and successfully deposited the funds into their account. This means my best friend 's identity has been stolen and compromised as a result. 

I have filed a police report, reported the incident to the XXXX XXXX XXXX, and notified the relevant banks. However, no action has been taken so far. I urgently request the recovery of my funds and the prosecution of the individual involved to the fullest extent of the law. 

This check was issued by chased bank, but it was mobile deposited into a XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX, XXXX  XXXX, BYL Collections, XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shows a address and name that is completely wrong.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .  <P/> I have never lived there at all! I suspect fraud.  <P/> They also show a name as  XXXX ?  <P/> That is not my name.  <P/>  XXXX  is correct. Why is my equifax score at  XXXX  and my  XXXX  score at  XXXX ?  <P/> How can there be that big of a difference?  <P/> My correct information is :    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   Ind  XXXX   I have worked at  XXXX ,  XXXX   XXXX , and now I work at  XXXX    XXXX  the  XXXX   XXXX   XXXX  .   This is not that difficult, why ca n't these credit bureaus communicate and ensure that information is correct. I believe these credit bureaus have a responsibility to ensure that information is correct.   Please have Equifax remove this fraudulent information. Thank you  XXXX   XXXX   XXXX
Product: Credit card or prepaid card

I applied for Milestone credit card from the company and did used it. 
My first payment i called and attempted t pay my first build and i advised a milestone agent that i have not gotten a bill mailed to me as of yet. 
They advised that it may take up to two weeks. Proceeding to pay the bill though the phone call the agent asked me for my name. 
I told them. The agent then asked if i had a prefix with my name and i advised i never use a prefix with my name and i did advised that i am a " XXXX '' and that my son is a " XXXX '' So " XXXX " would be accurate The agent then advised incorrect. I was advised that i may have to wait for the bill which i never received. I then created an online bill with Milestone and was successful the first time. My second attempt to pay my next bill was unsuccessful. The online bill pay option was down for a day or two. I then called to attempt to pay and had the same issue. They agent oddly advised me to fax a copy of DL. I did from work which is not allowed but got the ok to do it. I called back to se if they had gotten it and the agent advised it will take two weeks to receive. I then i asked if i could speak to a manager to someone with an English language, They put me on the pone with someone who tried to hide their XXXX accent. 
I then accused the agents of fraud and hung up. I called back the following month to attempt to pay the build. I also advised that i still had not gotten a bill. 
They asked me again to fax a copy of my ID i advised that i had done that twice already and will not do that again. At this time this has become just a repeated cycle going round in circles. I couldn't understand their XXXX accent and grew more frustrated and hung up. I advised them if they can not verity me then how do they know i'm " XXXX XXXX? ' They could not answer that question. They even address me as XXXX XXXX. I responded with, " well at-least you know it's me and lets use XXXX XXXX XXXX and get me set up correctly because obviously this is a mistake on you guy 's end ''. The reply I got back was " i'm sorry XXXX XXXX ''. I then yelled " fraud '' and hung up. I still had not gotten a bill but they call me every other day.
Product: Money transfer, virtual currency, or money service

My existing account was overwritten by new XXXX  zelle account and I can't access the account anymore or utilize the service because I'm currently stuck in an infinite login loop.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account on my report furnished by XXXX is inaccurate, and I have disputed through traditional means numerous times. Account has been removed by other credit bureaus yet is still reporting on EXPERIAN. I have yet to receive documentation after investigation that this debt is validated and is in fact a contract in which I entered into with my signature and permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi my SS # was used without my consent I 've been in contact with the IRS, and other creditors that 's been more than helpful
Product: Debt collection

I currently have a collection account on my credit report from XXXX XXXX for a XXXX account. My current XXXX account is active and has been since XXXX. I reached out to XXXX to confirm this reported collection account existed and they stated they have no record of the account or any collection attempt matching my ssn # in the past years that I have been a customer. They also confirmed that I have no past due balances and my account has stayed active. I then reached out to the reporting credit agency, XXXX XXXX, to request removal of this account from my credit report, but they also could not access the account in question and all they could do was confirm there was an account with a {$0.00} balance. XXXX XXXX stated that they withdrew ownership of that account so no action can be taken on their end at this point. I filed a dispute with Equifax about this account and after 30 days they stated that all the information reported was accurate based on their investigation. The attached dispute results also added that the account was paid XX/XX/XXXX, and I have no idea about that payment or where it came from or why. I would like to know why we are getting drastically different results in our investigation since I spoke with both XXXX and XXXX XXXX and neither have access to any active account belonging to me in order to assist with anything and no historical details. I called Equifax support for assistance and they stated that there is nothing they can do as their investigation came back as accurate and only the reporting credit agency can request removal of the account anyway, which means there was never any benefit to filing a dispute with Equifax since they allow whatever the credit agency says to be what is reported. I am not sure why there is no ownership for the account and why it is so difficult to request removal of it when there was never a past due balance to begin with and my XXXX account is still open and active?
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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: Debt collection

Collections account from TSI collections appeared on my 3 credit reports, from XXXX XXXX in XXXX  It was on a closed account that was paid in full at closing. XXXX XXXX verified paid in full at the time. XXXX decided to " re evaluate '' the account a month after closure and added another XXXX. No mail, phone, voicemails, email, etc notification was sent to my new address ( or same phone and email addresses ). A few weeks ago a collections account from TSI appeared on 3 credit reports, dropping my score over 80 points. 

I emailed XXXX  who said " an adjustment was made a month after you closed the account '' so they sent it to collections 2 plus years after the account was closed. I emailed XXXX letting them know that the account was paid in full, verified as such at the time of closing and that I had received no notification otherwise. I told them that I would pay them immediately and directly, although I disagreed with the bill, but that I wanted the collections removed and to pay it to XXXX. They agreed, sent me a link to pay, which I did immediately. 

I emailed XXXX  again, letting them know it was paid to them via the link provided and to contact the collections agency to remove the collection account from my 2 reports ( I disputed 1 report and it was immediately deleted ). I received notification today that it is now listed as " collections- paid '' from TSI on all credit reports instead of being deleted as a collection account. My credit is still hit for over 30 points due to XXXX XXXX  error. I need to have the TSI collection account deleted from all credit reports as promised, as the collection was incorrect and the payment was made to cenhud, who told me that they took it back from collections due to the many errors in the billing. Thank you.
Product: Bank account or service

Citibank atm took my money without depositing in my account, and only paid me back a portion of the funds. The branch is giving me the run around after claiming fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to ELIMINATE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list o items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXXXXXX PL XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX : - XXXX XXXXXXXX Balance : - XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX BANK XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : - XXXX CARD XXXX Balance : {$3000.00} XXXX CARD XXXX Balance : {$2900.00} XXXX CARD XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX OF XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX BANK XXXX Original creditor XXXX XXXX ASSOC. XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Original creditor XXXX BANK XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX Original creditor XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$110.00} XXXX XXXX Original creditor XXXXXXXX XXXX XXXX Balance : {$860.00} XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I dont know who this company/debt collector is. I've never signed a contract with neither one of them!
Product: Credit card or prepaid card

After recently reviewing my credit report, I took notice that the above-mentioned account is currently in Charge Off status. I sincerely would like to take care of this account as soon as possible. 
Due to illness, Iunfortunately got behind on my payments and was unable to meet my obligations. However, since then my situation has greatly improved and I am in the position to recompense this debt. 

I am willing to pay JPMCB - CARD SERVICE ( {$1700.00} ) provided that the above account is updated on all credit reporting agencies to state : PAID AS AGREED, or completely removed from all credit reporting agencies upon my final payment. 

I am not agreeing to an updated credit report that states this account as : PAID CHARGE OFF or the like, as this will not significantly increase my credit score, nor will it reflect my sincere willingness to restore my good name and hopefully, someday, again do business with your company. 

Your written response will serve as an agreement to my proposal and I will pay. Thank you very much for your valued time.