23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am receiving daily calls from Capital one on a car that we are behind on the payments. They are threatening to repossess it on a daily basis. Same questions are ask and same threats every day.
Product: Debt collection

Got two calls from XXXX XXXX XXXX. I then got a notification from my credit report saying they placed a collection on my report. I never got a letter of dispute which is against fair debt collection practices. 
I then called XXXX XXXX XXXX and they state that I do not and have not had a balance of XXXX with them for the date of XX/XX/2015. I also checked with any other physician I saw and I do not have a bill for XXXX with the er at XXXX XXXX. They confirmed this. 
This company I called back and they said they were collecting for XXXX XXXX XXXX. 

There is no bill due for XXXX all of my bills with XXXX XXXX as of this date have been paid in full. This is a fraudulent bill collection attempt
Product: Credit reporting or other personal consumer reports

XXXX has fail to fufill its legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable rein investigation of disputed of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian. Experian has neither corrected or removed disputed items despite the evidence provided causing ongoing harm to my credit. I am requesting immediate removal or amend to the disputes listed. As Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 consecutive times I have tried to remedy this matter with Experian. 
I have discovered inaccurate information on my Credit Report. I am demanding that you stop reporting this incorrect information immediately, or I will be left with no choice but to file a complaint with the appropriate agencies. Your actions have caused me a denial of credit, I'm being charged higher interest rates and I'm receiving very unfavorable loan terms. I am very diligent in my book-keeping and records and I am sure that the following information is inaccurate : XXXX XXXX XXXX XXXX, XXXX XXXX, MD Inaccurate information, delete it immediately By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. Also, be sure to include the name and address of the Company or individuals who were directly contacted regarding this matter. 
Thank you for your prompt attention to this matter Thank you for your prompt attention to this matter. I apologize for being so upset ; however, your mistakes are causing me immense damages. 

see attached letters
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

During XX/XX/2018, I applied for a student loan for my son and cosigned the loan as his parent ( legal guardian ). The loan application process was done at the bank branch by the branch manager. I requested the deferred option with a fixed rate. 

The branch manager completed the application on her computer and told me the loan was sent to my e-mail account to e-sign, which I completed. 

It turns out the loan payment option chosen by the manager was payment of interest immediately instead of deferred upon graduation and the rate is variable. 

On XX/XX/XXXX, I received a late payment notice in the mail from the banks collection party demanded {$170.00} interest payment that is late. I called the collection agency immediately and that is how I discovered the loan application was done erroneously at the branch. The branch is Citizens Bank on XXXX XXXX XXXX, XXXX XXXX, MA XXXX
Product: Debt collection

The company IC sytems stated i owe XXXX XXXX {$1600.00}. I called asking for specific dates and they were unable to give me specific information. The rep XXXX XXXX from IC Systems said it was a bill from XXXX  and i have been in XXXX XXXX. She didnt have any information on payments and didnt have address on file just my current address which is my XXXX  address . Im trying to clean up my credit report and have a record of ontime payments, im not sure of where this outstanding bill is coming from and would like it resolved and investigated.
Product: Debt collection

I tried to send them a letter last XX/XX/2020 asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which XXXX XXXX is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. 

XXXX XXXX is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching all letters sent to PORTFOLIO RECOVERY ASSOCIATES LLC ( PRA ) along with proof of delivery and copies of certified mail documents. 

On XX/XX/XXXX I mailed out TWO ( 2 ) extensive letters to PRA regarding DISPUTED and ALLEGED DEBT on two accounts that they claim I allegedly owe them money on. PRA did receive these letters since both collection accounts were marked as disputed on my credit reports shortly thereafter. 

I NEVER RECEIVED A RESPONSE. 

On XX/XX/XXXX I resent both letters via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX in an envelope packet that was received at XXXX XXXX  on XX/XX/XXXX at their XXXX, VA address. 

Again, NO RESPONSE. 

PRA was provided with my current address ; a copy of my utility bill verifying my current address ; a copy of my Social Security Card ; and, a copy of my drivers license ( which shows an older address not used since moving to my current address on XXXX XXXX in XXXX ). 

Since PRA has ignored my numerous attempts to contact them, I am demanding they DELETE and REMOVE all reporting to ALL CREDIT REPORTING AGENCIES. Furthermore, I demand that they extinguish their claim to the alleged debts they claim I owe.
Product: Debt collection

XX/XX/2019 {$980.00} I called and told them this is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to look for a car and before I could even step on the lot the car salesman told me that they had to run my information first so I told them I don't want my credit ran and they did so anyways and without my permission. They added around 20 inquires from unknown sources to my report. i have filed a report with identitytheft.gov as well and these are the names of the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

National credit systems XXXX These people are vile and rude. They yell and cuss you out for no reason. Im trying to dispute a debt due to the fact that I slipped and fell on the property ( XXXX at the XXXX XXXX XXXX XXXX ) and the office lady who was so vile and nasty let me out bc they were afraid that Id sue. I had been through XXXX and was put on a third level apartment and charged more. But that is another story. I was told I wouldnt be charged a lease break fee and would receive a XXXX balance letter. Never did and received harassing calls from these vile people ( who are just as bad as the ladies at that complex.who were fired for this and many more reasons ). I never received anything stating I owed anything from the complex or the collector and the complex had my forwarding address for I can prove all of this, I filed a complaint with HUD, the attorney general and now you guys. But this complaint is about a debt I wasnt aware of till I checked my credit!! I never received any letter from this debt collector ( National Credit Systems ) for any debt owed and being is how I tried to get my info from the office and they locked the doors and wouldnt answer my callshow am I supposed to fight something still weak from XXXX?? They took advantage of me and discriminated against my XXXX. And now Im getting harassed by nasty mouthed collectors for something I was told wouldnt be happening to me!! This company that collects this debt is screwing people left and right. Where is the integrity to get this looked into so people have to stop getting violated and mistreated by collectors???? How are they allowed to put something on my credit without giving me a chance to dispute it??
Product: Debt collection

This company has called me numerous times after I did not respond to their mailings. On XX/XX/, a representative called me while I was at work and when I told him that I want no more calls and for them to communicate with me solely via us mail, he continued attempting to collect the debt. I repeated myself XXXX more times, and he kept attempting to collect the debt from me.
Product: Credit card or prepaid card

This XXXX had a carryover balance since approximately XX/XX/XXXX. I was making more than minimum payments. On XX/XX/XXXX I paid the full amount due on this card in the amount of {$1600.00}. When the payment cleared my bank I checked the balance on this account and it reflected {$0.00} due.
On Monday, XX/XX/XXXX I called the customer service line and said I paid off this account and I do n't understand why I now have an amount due of {$12.00}. The rep said it was for " residual interest ''. I stated I never heard of such a thing and asked for this charge to be reversed. She said she could n't do it. I called again to the customer service line today, XX/XX/XXXX and again asked why I was being charged this fee. He said it was " easily missed '' if you did n't know about it. I explained that I have had this card since XX/XX/XXXX and carried balances before and then once paid in full I did not get hit with " residual interest ''. Again he said it 's easily missed. I asked for it to be reversed, he said he could n't. I then asked for a supervisor. This supervisor was rude saying I was going to ruin my credit if I did n't pay it. I said it 's a " scam '' and I refuse. If this fee is " easily missed '' then the bank is counting on consumers just letting it go without a complaint. I 'm not willing to do that. This is a hidden fee and I do not like being taken advantage of. I told the rep I am a very good customer and it would be a shame for the bank to lose me as a customer over {$12.00}. He said it was up to me if I wanted to see my " credit go down the tubes ''. I stated that I have other charge cards that carry a balance and once paid in full I do not get hit with hidden fees. Any assistance you can give to get this reversed is greatly appreciated.
Product: Debt collection

This account was open fraudulent and needs to be remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent out letters to XXXX, XXXX and Experian through certified mail in regards to these six accounts that I felt did not belong on my credit report : XXXXXXXX XXXX XXXX  ( Account # XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX. XXXX XXXX ( Account # XXXX ) Reported Date Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX. XXXX XXXX ( Account # XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXXXXXX XXXX ( Account # XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX ( XXXX ) Reported Date Opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX ) XXXX It is to my understanding and under the provisions of the Fair Credit Reporting Act that these three bureaus have 30 days to complete a sound investigation of my disputes and in that time, must temporarily remove those accounts from my credit report as well as mail out to be copies of my credit report respectively. It has been well over the 30 days since those letters were received and there have been absolutely no updates to my disputes. There was no sound investigation completed, no letter mailed to me with any decision, no contact by phone or contact in any way shape or form in regards to the temporary and final deletion of these accounts. I was never mailed copies of my credit report as requested in these letters, and still have not heard back from those three credit bureaus. It is no longer the time now for a reinvestigation. I want these accounts removed immediately from my credit report or I will take further legal action. I have a right to privacy and a right to a true and accurate credit report. This is causing damages to my report and preventing me from getting fair credit deals and rebuilding my credit.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Rushmore purchased loan in middle of short sale. Lost all documentation over and over during several months. Point of contact for them ( XXXX ) is never available, and has not once returned a call. We lost 3 potential buyers because they can't respond or keep documents in order. Now we get a notice to foreclose, but they can't explain why. We have proof of submitting the same documents up to 8 times, but still unavailable by them. They repeatedly yell and cut you off when you are trying to talk to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to correct or discard this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Bank account or service

I made a purchase for furniture with XXXX XXXX, check # XXXX is with my checking account at Chase Bank account. The salesman ( XXXX XXXX ) used wife 's ( XXXX XXXX ) name on the check instead of the furniture store. Someone cashed the check and did not deliver the furniture. The furniture store is no longer in business, and we are having difficulty verifying who cashed the check. This constitutes fraud. I want a refund. Chase Bank refuses to provide the information about who cashed the check. After several months, they now say it was cashed at XXXX. Chase confirmed that they do not verify payees, and will clear a check with anyone 's signature even if it does not match the payee 's name on the check. I contacted XXXX, upon Chase Bank 's insistence. but XXXX is saying to contact Chase Bank. Neither wants to take responsibility for verifying the payee. XXXX refuses to give any information to me and says Chase Bank should contact them so both banks could resolve the issue. Chase Bank refuses to handle the matter.. Attached is a copy of the Chase check, and a copy of the audio recording made with XXXX who says Chase Bank must contact them. THIS COMPLAINT IS FOR XXXX PARTIES -- XXXX AND CHASE BANK.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX ACCNT XXXX XXXX XXXX ACCNT ACCNT XXXX XXXX  XXXX  ACCNT : XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I looked at my Experian credit report on XXXX XXXX and noticed somethings are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individuals about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation s under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In light of discovering unauthorized credit inquiries on my credit report received on XX/XX/XXXX, I am promptly following up to insist on their removal. These inquiries, which I did not approve, persist in my credit file, detailed as follows along with an incorrect address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Certified letters have been dispatched to each listed company to declare the inquiries unauthorized with a request for cessation and deletion from my credit report. Accompanying this action is my latest FTC report, numbered XXXX.
Product: Payday loan, title loan, or personal loan

on XX/XX/2018 I got misleading information from one main a personal loan company. when I was in the process of requesting the loan nothing was explained in regards to inquiry on my credit report. There was never an explanation as to why the loan was denied. they never sent me a letter to my home either. I attempted to reach out to management to speak to them in regards as to why I was denied and was unable to get a clear answer or resolution. I was told that this would be removed from my credit score and has not be removed since XXXX
Product: Debt collection

I was contacted by XXXX XXXX, agent XXXX from Accounts Recovery on behalf of XXXX XXXX XXXX XXXX. 
XXXX XXXX advised that he would be taking legal action against for me for a debt from XX/XX/2015 in the amount of {$1200.00}. 
I asked for a copy of the loan agreement and details so that I could file a police report. 
XXXX XXXX advised that he did not have this information. 
I then requested that he not contact me further and ended the call. He called an additional 3 times in a 5 minute period.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I had XXXX and was severely affected by it. I was off work and unable to submit my XX/XX/22 mortgage on time. I called and was told I would be covered under the XXXX XXXX XXXX for 3 months. Late payments will not be reported. Late payment was still reported for XX/XX/22. Ive spent over 6 months trying to get it resolved but they are doing nothing about it. The negative credit reporting has affected my credit and I will like it removed.
Product: Checking or savings account

On XX/XX/2018, after my XXXX check was automatic deposited into my Wells Fargo checking account ( only income due to total and permanent XXXX for over 8 years ) it was immediately sent to a unknown person that I have never done any business or received any complaint regarding a debt. Wells Fargo is aware that this is XXXX benefit and allowed a judgment that I was not aware of take over my monies which now I am unable to pay my bills, go to the doctor, buy food, insurance payments, etc. I was not notified of any judgment from the person or Wells Fargo. I have filed several complaints but Wells Fargo is ignoring the laws on XXXX benefits and my complaints. 
Still, today I can not get any information as to where is my money. The whole check is gone. Also, I continue to miss money or had several complaints over the last year about someone going into my account taking my money.
Product: Checking or savings account

I had to cancel my bank debit card and add a new one. At one point it accepted my card but when I tried to transfer money it gave me an error. Then I tried to add a cash app debit card and I actually made some transactions. Then when I tried to add my bank debit card again it said I was trying to add too many cards at once. I tried adding cash app again and it said they didnt support that card. Even though I had used it there before. The same thing happened to my PayPal card. I ended up using bank transfer. And it took a really long time. They told me it could take up to 5 business days. I am still unable to add my new bank debit card with an error saying I was trying to add too many cards at this time. There is also a business account that I dont recall signing up for.