23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

4 credit card accounts opened in XXXX under my name. Had been sold to 4 debt collection agency since. The following account are : XXXX. UNIFUND XXXX {$2300.00} / Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) 2. UNIFUND CCR {$4300.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) 3. XXXX XXXX XXXX, XXXX {$2800.00} / Original Creditor : XXXX XXXX XXXX ( Acct. Last Four # XXXX ) 4. XXXX XXXX XXXX XXXX {$4100.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) My personal data was stolen and I am now being sued. These are not my accounts and I have called the credit bureau but have done nothing but put my account in fraud alert in XX/XX/XXXX. I can provide my credit information to prove my character as I have paid everything on time in the past. These account were all opened at the same time. I have called the creditors and they have not done anything to help me resolve these issues. No receipts or records were provided. When these occurred, I have just graduated school and could not afford the settlement they were asking and these were fraudulent. I am now being harrased by these debt collectors after years of not hearing about it. I've done all in my power to dispute these charges and I need help. I have filed a police report. Thank you!
Product: Debt collection

On the evening of XX/XX/XXXX, i received a letter that was not certified by my employer payroll department that i had a notice of wage garnishment from MacDowell & Associates, Ltd on behalf of XXXX XXXX XXXX XXXX. I did a voluntary repossesion in XX/XX/XXXX, the car in question was never reported on my credit report. Per speaking to a rep from XXXX XXXX XXXX, by the name of XXXX, ext. XXXX there will correspondence from his company that were sent to me stating this car was never on my credit report on multiple different occasions, and they were going to " make the necessary corrections due to the error they caused ''. The vehicle in question was charged off on my account for $ XXXX, MacDowell & Associates claim that they are garnishing my check for {$12000.00} which is by far not the same amount. MacDowell & Associates then claimed i was served a court notice in XX/XX/XXXX, which was false. There is no file of service listed for the case number that is assigned to this. In XXXX of XXXX, nobody including myself was at this residence or in the state at this time. The process server who attempted to serve me, claimed a person who was at my residence did not provide their information to them and was " penalized for perjury '', and may i add the person they described they supposedly " served '' this notice to would have been an officer of law which would have then made him question this person further if that was the case. Per my then conversation that i had with a Mr. XXXX who is a representative of MacDowell & Associates rudely told me that the person who attempted to serve was going to get paid regardless if i was served or not which is not the correct process in the state that i reside in ( California ). As i then continued to try and stop this attempt to garnish my paycheck, per MacDowell & Associates i had to overnight a down payment of {$500.00} via XXXX XXXX, which would then start my monthly payment of {$150.00}. But there is a possibility the garnishment would have not stopped, but i need to hurry up and get the payment in because the person who is handling this " case '' Mr. XXXX would be out of town for a week and there would be nobody there to handle this situation in a timely manner. I also explained to Mr. XXXX my current situation of being a XXXX  XXXX  full time in school, and that i was an on call employee with my employer. He still felt that was not enough information to rectify the issue at hand. I provided an itemization list of my bills and copies of my pay stubs that also showed that my income was not stable, and according to XXXX, that was not enough for him to budge.
Product: Debt collection

Trying to collect on unverfied debt while reporting it to credit bureaus as correct. It is effecting my credit and is making life hard to get approved for credit. I have ask them to send me proof or verification on the matter and they have failed to do so.
Product: Credit card

improper use of my credit, I already paid the full amount for which I do not owe them money, for which they have exposed incorrect information in my credit report and without my authorization.
Product: Credit card or prepaid card

I opened on XX/XX/XXXX a new HomeDepot credit card with a promotion for 24 months without interest. 
A purchase of total {$6000.00} was made on XX/XX/XXXX with promotion for 24 months without interest. 
Payments made : every month for last two years. 
I discovered that they didn't apply promotion to my card. 

I called the customer service multiple times since the purchase date to make sure that the 24 months no interest promotion is applied to my account and I was assured and confirmed that it is done and applied. 
On XX/XX/XXXX I received a letter stating that the above mentioned promotion was not applied to my account and therefore I have more than 3000 $ debt instead of XXXX $ that is supposed to be. 
I called the credit card company and asked to provide recording for all my conversation with customer service, they refused
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for a charged off credit card account that I was added as an authorized user. In the details of the account it clearly showed that I wasn't the primary card holder. Currently I have gone through two rounds of investigations and Equifax and XXXX  never removed this from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my reports that are not mine and from a different state. I disputed them and they came back accurate. I called the collection agency and they were rude to me and someone was suppose to call me back and never did. They refuse to take it off my credit report even when I can prove Ive lived at my current address for almost 7 years. Ive never lived in the state of Florida. I want it off my credit reports as it is not mine and it is ruining my credit. I was in the process of buying a house and now its on hold due to this.
Product: Credit card or prepaid card

I've been making payments around 15 times a month for last 8 years ( by online ) to this co. 
Whenever I make a payments it always get posted the next morning with a correct available credit. 

I had no problems util XX/XX/XXXX. On that day, I made a payment of {$4000.00}. The following day ( XX/XX/XXXX ), I see the credit posted. However, the next day ( XX/XX/XXXX ), it disappeared. I was going out of town on that weekend and this had caused so much inconvenience. 
It finally appeared AGAIN on XX/XX/XXXX. 
I said to myself, ok this is just an isolated case. 

On XX/XX/XXXX, I made another {$1000.00} payment. The next day the credit got posted but it was applied short of {$600.00}. 
I called the cs the next day but they were not able to give me a clear answer due to I had so many transactions on my account. 

I am sure nobody wants to lose their hard earned money dissapeared by {$600.00}. 

Again, I'd like to remind you I check this app every two hours and before I go to sleep. 

On XX/XX/XXXX, I made another payment ( {$1000.00} ) but was shorted being credited by around {$160.00}. 
I called the cs again but all they are saying was pending charges which I already know and fully calculated. I already know that. 
It was like talking to a block. Very frustrating
Product: Consumer Loan

I have bought XXXX XXXX 2011 XXXX from XXXX XXXX XXXX , XXXX . I was going through a Bankruptcy at that time. I paid {$10000.00} down and rest financed by Wells Fargo Auto loan. The Finance department said to me that my interest would be 17.990 % because of my bad credit. Since I was in desperately needed of a car I agreed to the above interest. But I realized that they took advantage of my desperate situation and exploited me of my bankruptcy situation. This is unfair because in 2011 the average auto loan interest was less than 3 %. 
I strongly believe that the XXXX XXXX management and Wells Fargo deliberately duped me to pay high interest. 
I have been paying the monthly installment of XXXX for the past XXXX months that equals to {$40000.00} for the loan of {$30000.00}. 
This is unfair and please makes sure that Wells Fargo write off the balance of XXXX and take the lien from the title. 
Paying 18 % interest is like cutting your throat and I work 90hours per week to meet my both ends meet.
Product: Credit card

This letter is about Capital One QUICKSILVER Account # XXXX XXXX XXXX XXXX XXXX Principal being XXXX XXXX XXXX XXXX As of XX/XX/, the account was suspended. On XX/XX/, during a telephone inquiry notification was provided the account is closed due returned payments of {$25.00} in XXXX and XXXX of XXXX along with other violations of the Capital One terms and agreement. 

XX/XX/, I spoke with a representative regarding an unrecognized charge of {$190.00} and filed a dispute for said charge and made a request to receive the terms and conditions for the account. As of XX/XX/, the charge of {$190.00} was credited to the account ending in XXXX, a few days later received terms and conditions dated XX/XX/XXXX 

XX/XX/, Tender and an instruction letter was sent by XXXX XXXX XXXX CERTIFIED MAIL to XXXX XXXX XXXX XXXX, NC XXXX, tracking number XXXX XXXX XXXX XXXX XXXX. This address used is listed in the Capital One Terms and Agreements section Items with Restrictive Words, Conditions, Or Instructions on page Four. 
The letter of Instruction read : Notice of Claim to Interest & Instruction I, XXXX, XXXX agent on behalf of XXXX XXXX XXXX XXXX principal hereby accept all Titles, All Rights, All Interest and Guaranteed Equity owed to Principal . I hereby instruct Principals Balance be applied to Principals Account # XXXX XXXX XXXX XXXX each billing cycle. Please apply this Tender to the account monthly. I also require communication in writing regarding any discrepancy. If no communication is made within Ten business days after receipt of the letter, I will assume the aforesaid instructions have been completed. 

All amounts due to principal are to be sent to : Treasury Direct Account XXXX By : / Agent XXXX XXXX XXXX XXXX XXXX XXXX WITHOUT RECOURSE This Instruction letter was notarized and included a Bill of Exchange with a restrictive indorsement and stamped ; For presentation to the United States Treasury XXXX for redemption or in exchange for securities of a new issue, in accordance with written instructions submitted by XXXX, In accordance with 31 CFR 328.5 & 31 CFR 328.6. Furthermore 31 CFR 328.4 states : Bearer securities bearing restrictive endorsements as herein provided will thereafter be nonnegotiable and payment, redemption, or exchange will be made only as provided in such endorsements. Moreover, protected by 31 CFR 328.8 : Loss, theft, or destruction of securities bearing restrictive endorsements. Furthermore, the item has yet to be returned with an explanation, or right to cure, and no explanation of why the account has been closed. I will not be denied my rights to credit as Subrogee and Beneficiary due to the unwillingness of Capital One to honor my request and abide by Title 15 subject to enforcement by Title 15 U.S. Code 1611. Capital Ones actions are in direct conflict with the Indenture Trust Agreement filed with the SEC along with the Consumer Protection Act, Fair Credit Reporting Act, Truth-In-Lending, Graham - Leach Bliley Act and several others. As to not have this letter become too long and drawn out, I will not include each act and violation.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding the credit reporting agencies and furnishers failure to properly investigate and remove fraudulent accounts and inquiries from my credit report. This is a direct violation of multiple federal laws, including but not limited to : 15 USC 1681 ( Fair Credit Reporting Act ) 15 USC 1681i ( a ) ( Requirement to conduct a reasonable reinvestigation ) 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ) ( Requirement to provide proper notice of investigation results ) 15 USC 1681 ( a ) ( 5 ) ( B ) ( Obligation to remove inaccurate information ) Section 609 ( a ) ( 1 ) ( A ) ( Right to request and receive verification of account details ) 12 CFR 1006.34 ( b ) ( 5 ) ( Debt collection communication disclosures ) I have made previous attempts to dispute the following fraudulent accounts and inquiries, yet they remain on my credit report, causing financial harm and damage to my creditworthiness : Fraudulent Accounts : 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 XXXXXX/XX/XXXX I demand that these fraudulent accounts and inquiries be immediately removed from my credit report. The credit reporting agencies have failed to meet their obligations under federal law by not conducting a proper investigation and by continuing to report inaccurate information. If this matter is not resolved within 15 days, I will have no choice but to pursue legal action against all responsible parties, including the credit bureaus and data furnishers, seeking damages for willful noncompliance with the FCRA.

This is my final attempt to resolve this matter amicably. Please treat this as a formal complaint and conduct a thorough investigation into the wrongful reporting of these accounts and inquiries. If necessary, I am prepared to escalate this issue to the Federal Trade Commission ( FTC ) and pursue civil litigation to enforce my consumer rights. 

A prompt written response acknowledging this complaint and detailing the actions taken to resolve this issue is required.
Product: Debt collection

XXXX is reporting on my credit file and should be remove must be removed this a collection account it they only have 180 day from the time they get the file assigned to a collection account to be on my credit on top of that it was charged of and a medical debt that was paid by insc. this account can deletd for any and all reason.
Product: Credit reporting or other personal consumer reports

these auto loans were open fraudulently and has been deleted with XXXX so it should be deleted with the bureaus as well, This has been hurting me and moving forward with my life
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding several inaccuracies on my Equifax credit report, which are having a negative impact on my credit score. I have disputed these errors directly with Equifax and attached my dispute letter for reference, but no corrective action has been taken. Specifically, the following items need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is inaccurately reported as a charged-off account with a balance of {$5400.00}. I do not recognize this charge-off or the balance, and I am requesting that it be verified or removed in accordance with the Fair Credit Reporting Act ( FCRA ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is incorrectly listed as a charged-off account with a {$0.00} balance. This account was settled in full, and the charge-off status is inaccurate and misleading. I request that this charge-off be removed as it is not a valid reflection of the accounts status ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is listed as charged-off with a balance of {$600.00}. This designation is neither accurate nor verifiable, and per the FCRAs standards, I demand that this be removed from my report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed as closed by the credit grantor, though this closure was not initiated by me. The closure inaccurately portrays my creditworthiness, and I request that it be corrected to show that the account was closed at my request or removed entirely ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is marked as closed by the credit grantor due to inactivity, not due to delinquency. This closure should not negatively impact my credit profile, and I request that Equifax remove or correct this misleading entry ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is also listed as closed by the credit grantor, though this was not due to any negative activity on my part. The current reporting unfairly impacts my credit score, and I request that it be updated or removed in compliance with the FCRA. Despite my efforts to resolve these issues directly with Equifax, no verification or corrective action has been provided, and these erroneous entries remain on my credit report. I am requesting the CFPBs intervention to ensure that Equifax adheres to the FCRAs requirements for maintaining accurate and verifiable information. Please investigate these items and take the necessary steps to correct or remove them. I have attached my formal dispute letter for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account go into collections over 2 years ago and recently it now on my credit report as an open account and missed payments are being marked and the balance for the account is increasing, I did not give permission and had no knowledge of it be reopened. My credit score is constantly going down now because of payment history and missed payments Saying I am 180 days passed due from this account that was placed for collections on XX/XX/2018. My reasons ; one it resets the life of the account/debt so takes longer to age off credit, it holds the consumer back not able to open new accounts/credit due to credit score and payment history, Old debt looks like new debt. Hurts consumers credit making it almost impossible to raise credit score without paying off old debt. It makes consumer feel pressured, harassed, held back, oppressed, and unable to succeed. Some jobs like the one I am going to be applying to after I finish XXXX XXXX  in 6 months check credit scores therefore making it harder to get a job that would help me pay off debts that I may owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that you removed and then re-inserted negative information in the file you maintain under my Social Security number. It is a F.C.R.A. violation, and i was not informed by you.Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 

XXXX XXXX Reported : XX/XX/XXXX {$2200.00} XXXX XXXX Reported : XX/XX/XXXX{$1000.00} There are no contracts, no valid claim ... accounts were settled with original creditor, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Money transfer, virtual currency, or money service

I was under an agreement with a merchant to purchase tickets to an event. I submitted payment via PayPal under " Personal Payment '' on accident, it was supposed to be sent as " goods or services '' The merchant 's contact information all of a sudden became " undeliverable '' or " unavailable '' when I attempted to contact them in order to reverse the payment so I could correct the transaction. 
I contacted PayPal, they stated they are unable to reverse the transaction and directed me to file a dispute with my bank via https : //www.ic3.gov/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I filed a dispute in regards to the incorrect item on my credit report, it has been well over 30 DAYS and I havent received any investigation results. BY LAW THIS ACCOUNT HAS TO BE DELETED! 

Acct and Acct # : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, i have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and did not give XXXX written permission to furnish these accounts XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX
Product: Debt collection

I am writing to dispute the following information in my credit report. I have reviewed my credit report from your bureau and found several inaccuracies that I believe need to be corrected under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). 

The information I am disputing is as follows 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 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 
2. **Date of Last Activity : ** Conflicting dates with other credit bureaus. 
3. **Date Reported : ** Different across XXXX XXXX Experian, and XXXX XXXX 
4. **Account Description and Status : ** Various discrepancies and unresolved disputes reported inaccurately. 

Please find attached copies of my credit report from Experian, XXXX, and XXXX, highlighting the discrepancies in the information reported by each bureau. I have also included copies of any supporting documentation that can help verify the inaccuracies mentioned above. 

I request that you investigate these matters and remove or correct the inaccurate information from my credit report. According to the Fair Credit Reporting Act, you are required to verify the disputed items within 30 days. I appreciate your prompt attention to this matter.