23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Yesterday, XX/XX/2018, a man called my employer by the name of XXXX XXXX and was very rude to the receptionist when she explained that I was not there. He indicated that he was collecting on a debt and told her to demand that I call him back at XXXX. As I researched this, it is to XXXX XXXX ... a debt collection agency. I do not owe them money. They contacted my work at XXXX which is unusual because I have never used that work number on any loan or credit card that I have applied to. Honestly, I do not know what that number is. What I do know is that this XXXX found out where I worked for the national register for XXXX that is posted on the internet as I am licensed nationally and then called my work. I CAN NOT ACCEPT PERSONAL PHONE CALLS AT WORK ... I WILL BE TERMINATED. Yet ... this firm continues to call. I have no paperwork in the mail telling me what this debt is. I've never heard of them. XXXX XXXX also claims to be an attorney. I do not appreciate him calling my work telling a receptionist that I have bad debts and bad checks.
Product: Debt collection

XXXX XXXX notified me that they were collecting on an account with capital one. I asked them for validation of the debt XXXX times and so far they have only sent me a bill. The are also in violation for report a charged-off account as past-due. Under the FDCPA only the original creditor can report an account as 30.60.90 or 120 days past due.
Product: Debt collection

I have contacted by Jeffcasys, theyre asked me about {$510.00}. XXXX that I owed to XXXX since XXXX but I explained that I paid it, long time when I changed to other phone company. They insisted to charge me that money and theyre calling threatening me. During the pandemic also called many times a day. Now I found a derogatory marks on my credit report. I feel very frustrated cause My credit score went down. I want to remove this issue from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving m ' account vulnerable and unprotected.

+ Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

There are several addresses on my report that do not belong to me. Also one name has never been mine.
Product: Credit card

Visited the office of a physician XXXX XXXX XXXX XXXX TX. for a XXXX. Listened to information and was hard sold and reluctantly agreed to give my CitiCard as payment. After a few days of research and speaking to my primary physician I decided the service was not for me. I have contacted the office of the physician to get a refund which they are denying me. I have contacted CitiCard to dispute the charges providing written documentation from the physician showing I have received no services and CitiCard refuses to reverse the charges, stating that the services are available to me when I wish to take advantage of them. The key here is I do n't want this stuff in my body and I should not be forced to pay for something I do not want and have not received.
Product: Credit reporting or other personal consumer reports

I have a Land Contract with XXXX XXXX XXXX Reported : XXXX XXXXXXXX XXXX as current with a XXXX Balance. On or before XX/XX/2023, XXXX XXXX XXXX attempted to contract with XXXX XXXX XXXX XXXX to purchase my contract for which I received a voicemail verifying that they were in the process of purchasing my contract and that Covey Financial would be collecting the payment. I am still currently paying my contract at XXXX XXXX XXXX and have been advised by XXXX XXXX XXXX that an agreement had not been signed by XXXX and XXXX XXXX XXXX I advised XXXX XXXX  that Covey Financial had contacted me and continued to try to collect on the contract that was still owned by XXXX XXXX XXXX XXXX They advised me that they would correct the issue since Covey Financial was reporting to the credit bureaus of the failed payments for which they legally can not collect or report. I have disputed the Covey Financial reporting with XXXX and notified Covey Financial that they legally can not collect on the debt. Covey Financial refers me to XXXX XXXX XXXX. for which they have a contract, who assured me on multiple occasions that they would correct the problem. XXXX has researched my dispute and reports that Covey verified that the account belongs to me and currently is reported as delinquent even though I pay XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

( Confidential info attached, please redact ) I have discussed with XXXX multiple times in the past 2 weeks about removing the records of delayed payments from 2017 on my credit report. The representative on the phone agreed but then I never heard back. I had to call XXXX multiple times and every time I got a different answer. It also put me on extended hold. Although I am glad that XXXX agreed to remove, but the internal process of XXXX is confusing and it is not giving me a clear picture of how it would be resolved. my last four digits of SS is XXXX.
Product: Debt collection

Hello, I bought furniture last year from a company thru Wells Fargo credit card. I been trying to pay off what I can every month. However my mother got sick and I cant make the min payment at this point. I been trying to see what can I do.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been several years and I am having difficulty getting an item cleared up on my Credit Reports from XXXX XXXX XXXX. I have made several requests to all three credit bureaus as well as contacted XXXX XXXX XXXX responsible for reporting the charged off debt. All three bureaus indicate that they have verified that the information contained on the credit report is accurate and to follow up with the original creditor. Unfortunately, the original creditor has ceased operations and directed me to contact the new loan service provider. The new loan service provider does not have any information pertaining to the account in question and is unable to resolve the matter. Therefore, I am unable to secure credit that I'm seeking due to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX purchased a potential delinquent account from XXXX XXXX belonging to XXXX XXXX of XXXX XXXX, West Virginia. XXXX XXXX has not lived at the address where this charge would have occurred in over 8 years. There literally is no way possible this " apparent debt '' is less than 8 years old.

It appears the delinquent date that is showing on his credit report is the date the company purchased the account, not the actual date of the delinquency. There is no legal way this information should still be on his credit report, yet this company is showing the account has only been delinquent since 2016, so it will take that much longer to fall off the credit report. This is FRAUD and I'm filing fraud reports with every known agency that handles these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request via certified mail : I am requesting the removal of  XXXX  judgment and  XXXX  bankruptcie s ( below ) on my credit report due to Civil Case No .  XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   Equifax  Information Service , LLC, I di d not know the source of their information on those judgments and bankruptcies and due to this, Equifax ha s violated the Fair Cred it Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible.   Bankruptcy  Ref.  #  XXXX  Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.     My request have been ignored and unfulfilled and not validated
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CALL XXXX  THEY HAVE THE DOCUMENT!!! 
IS HAS BEEN OVER 30 DAY AND STILL HAVE NOT DELETED THOSE FRUAD INQUIRIS. THEY KEEP RESPONDING THEY WORKING ON IT. BOUT HAS VIOLATED THE 30 DAY RESPONDE OR DISPUTED TIME.THEY HAVE NOT DELETE THIS FRUAD INQUIRIS SHOWING HERE. 

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 FTC REPORT HAS BEEN FILE HERE ARE THE DOCUMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect reporting on my credit report Account name : XXXX XXXX When account was open : XX/XX/XXXX Account balance : {$7800.00} Account name : XXXX When account was open : XX/XX/XXXX Account balance : {$4000.00} Hard inquiries : Account name : XXXX XXXX XXXX date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX  XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX  XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX  Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Account name : XXXX, XXXX Inquiry date : XX/XX/XXXX Account name : XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX Account name : XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX  XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Account name : XXXX - XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX - XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Names Reported : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Correct name should be reported : XXXX XXXX XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission and I also have Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account OPENED DATE : [ XX/XX/XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Student loan

Navient took over my student loan and never worked with me for a repayment plan. They attached so many fees that now, when I went to reenroll in school, I ca n't because their fees pushed me over the maximum allowed amount.
Product: Credit card

I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover personal loans is reporting that I am more than 30 days late on 3 payments which isn't true I have bank statements and discover statements showing I've paid them. I contacted the credit agencies as well as discover and they reassured me the problem would be resolved but it's not and it's ruining my credit.
Product: Credit card

Case number : XXXX XXXX I chatted with Amex agent XX/XX/24 in reference to my request for a credit line increase via phone. Ive was told they will review my account because they see that I have EXCELLENT credit history with them and it was strange that they wouldnt increase my credit line and she would call me back once they review it over with management. I never received the call back but I did get a email stating a card replacement was being sent. Today I call to ask why is a new card being sent verses the credit line increase and the new agent today stated there was no record filed for a credit line increase only a card replacement request which never happened. How is that possible as that was the initial reason of my complaint with AMEX and I sent it through CFPB database? 

Today the agent tells me that I have to now wait until I receive and activate the new card in order to ask for a credit line increase. I will be including the emails provided. 

This is highly suspect as I never requested a card replacement as I had to use my account on the card to verify my information. I did provide the agent a current address but never once asked for a card replacement only a credit card line increase for the highest amount available for that card type.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Consumer, XXXX, XX/XX/XXXX5 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the aforementioned accounts reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Debt Validation Letter for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Re : Account Number : XXXX XXXX of Debt : $ 933Date of Debt : XX/XX/XXXX Dear XXXX XXXX, I am writing to request validation of the above-referenced debt. I do not acknowledge this debt and would like to see validation under the FDCPA. 
Please provide : 1. The name and address of the original creditor.

2. A detailed statement of how the amount was calculated.

3. Any agreements or contracts I allegedly signed.

4. Proof of your authority to collect debts in my state. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card XXXX account under an open end consumer credit plan as late for XXXX and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were two hard inquires that I did not authorize. I do not know how these inquires were made and why. 

One was from XXXXXXXX XXXX - XX/XX/2018 Another one was from XXXX XX/XX/2018
Product: Credit card

We used a Chase VISA credit card for services at a veterinary clinic. The services were sub-standard and were harmful to our pet. Although, we disputed the charges, XXXX XXXX, disputes dept. XXXX, extension XXXX said that services rendered could not be disputed. However, this is incorrect as XXXX publishes that services can be challenged if they are not in accordance to a reasonable standard when compared to similar merchants. Although we provided extensive evidence that the merchant failed to provide services in accordance with a reasonable standard by contacting XXXX major veterinary clinics, XXXX XXXX refused to proceed with the dispute saying that even if that were true, Chase can only ask the merchant bank for a credit which she was certain they would not provide. I was surprised by this as I had been a XXXX year customer of Chase bank. I was even contacted by the Chase " Executive Office '' only to disover this was another level of customer service with no ability to make decisions. The agents name was XXXX XXXX, XXXX, ext XXXX and she said that Chase did contact the merchant bank but they refused to issue a credit saying the charges were valid. Again, since we were able to provide evidence that the services provided were substandard, caused harm to out pet, that was XXXX results took XXXX hours to receive thus extending the hospital stay and costs, unnecessarily ( 24 hrs is standard turn-around time for results at all vet clinics of similar size ), we dispute the services as substandard and useless due to timing issues which provided little to no options for us to consider in the treatment of our pet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit bureaus a certified letter, requesting this closed account from XXXX XXXX from XX/XX/14. To be deleted from my credit report. It has been well over 90 days and I have yet to get any correspondence from them at all. This violates the FCRA law that States the bureaus have a responsibility to respond to the consumer within a timely manner.
Product: Student loan

I filed for XXXX XXXX loan forbearance on XX/XX/XXXX through the XXXX website and Edfinancial confirmed when I reached out to them and they said the forbearance would be processed within 30 days. I reached out again on XX/XX/XXXX about the status of my forbearance since it still has not gone through and they said, " I know with XXXX we are very backdated due to an influx of requests. So it's possible I will not be able to submit another request for you and you will just have to be patient. '' My XXXX loans are accruing interest while EdFinancial is not processing my forbearance promptly and now can not give me a timeline on when the application will be processed. My payments are required to resume on XX/XX/XXXX and they won't submit an emergency application for my forbearance even though it is after 30 days.
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, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove 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 Balance Owed XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$70000.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00} Account Name : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666a, a creditor may not treat a payment on a credit card account under an open end plan as late for any purpose.
Product: Student loan

I have been unable to access my account online. XXXX XXXX " upgraded '' their website, so I have been unable to make payments during this time. Every time I log into my account, I get the message that there is no loan associated with my log in information. I try to chat, but it is a computer that tells me to log into my account or to call. When I call, the recording tells me that the wait time in anywhere from 400 - 800 minutes. If you choose the option to have someone call you back, they never do. I can't mail in a payment since all the account information is online and that can't be accessed. Now I am certain that they will charge late fees and penalties for non-payment, but something needs to be done about their poor customer service or lack of it. What can be done to help us? If you read reviews about them, there are many others who have the same problem that I have.