23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX   XXXX   I was out of town and friend of mine got a ticket in  XXXX  for improperly parking my car. He forgot to pay it so it went to debt collections. The company is Professional Account Management,  LLC  in  XXXX . He said he eventually paid the {$72.00} debt but lost the receipt information. I paid the debt because he could not find the payment and neither could they. It was paid on   XXXX   @  XXXX  for citation #  XXXX  according to the receipt I got in email from  XXXX  XXXX  XXXX . A month later I got another letter stating I still had a debt that needed to be paid. I called them and  XXXX  of the  XXXX  agents said that I needed to send a letter and the copy of the receipt to them and they would work on figuring it out. I sent them a letter sometime in  XXXX . I got a letter in the mail from them ONCE AGAIN basically saying thanks for notifying us but you still owe us money. I have reported them to the  XXX  but I 'm taking this all the way to the top. Either they have shady business practices or their  XXXX  Agents are stealing money from the company. I am not the only person with this issue. I looked at their  XXXX  page and it says they have " A+ '' rating but there was a complaint similar to mine.
Product: Mortgage

When my homeowners insurance came up for renewal it was very expensive, the decision was made to do a split policy between XXXX home for Fire and Liability and stay with the state for wind and hail. They were both to be written on the same day and unfortunately there was an issue with either the state system or the agency. Which put the wind hail policy not being pushed through and bound on the same day. I understand accidents happen and I paid the fore placed coverage amount that the mortgage company put in force immediately, even though there were no losses and it was already fixed with the XXXX. About a month later my house note went up and when I called to ask why they stated that it was because they had to set up the escrow to pay my insurance when they first put the coverage into place, but since it was paid it could be removed ( i don't like carrying an escrow because its all over the place ) Next month note comes in and it wasn't removed so I called again. They stated that it was still short XXXX cents so I paid that and was told it would be removed that it was eligible and approved to be removed. Third months rolls around and it's still on my house note. I called and was told this time around that it now has to stay on for the rest of the loan. So now I am paying my own insurance and still paying for it on escrow which makes no sense whatsoever. I had so much equity in my house when it was bought i never had to carry an escrow and never any issues in the past. A mistake was made and now I am being punished for this for the life of the loan and its just for wind and hail coverage only, nothing else just that. I so was so upset with them that i asked for where it states this and i was told that it was in my loan closing documents. Then I was told to get a letter from the insurance agency stating it wasn't my fault. I am not happy about the back and forth on this and my house note still keeping changing! No one seems to know anything in the escrow department as I keep getting different answers each time, I call with little to no resolution. Can you please help me get a clear answer from someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX Is claiming everything on my report is 100 % and they did a thorough investigation well everything is not 100 % accurate they failed to obey the law i have rights to privacy and there violated it. All 3 bureaus are inaccurate and reporting wrong information. 

Last active Last reported Balance Comment section Please review upload and youll find all inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Product: Credit reporting or other personal consumer reports

The representatives of the company harassed family members and filed reports containing non public private information to the private reporting agencies after contacting me daily and failing to submit proof of loan after i requested this information on multiple occasions. I have Opted Out of any sharing of non public private information and the information is on reports being shared by private reporting agencies. This is a violation of the Privacy Act of 1974.
Product: Credit card or prepaid card

I opened an account with Comdata in XXXX of XXXX for my truck drivers to purchase fuel for long distance trips. My account code is XXXX. The cards were setup for fuel only and on situations were a driver needed cash for roadside assistance, truck wash, fax service, etc. I manually generated an EXPRESS CHEK code ( XXXX ) from the Comdata portal and send code to the driver with the amount available on the code to access cash or pay for service. 

On XX/XX/XXXX we hired a new driver, XXXX XXXX XXXX whom managed to withdraw cash advances from the fuel card without me knowing. The fuel transactions Mr. XXXX was making were legitimate but the cash advances were fraudulent. From XX/XX/XXXX-XX/XX/XXXX Mr. XXXX stole a total of {$28000.00} not including the fees for the cash advances. 

On the weekly statements Comdata sends in the mail ( " Daily RECAP SHEET '' ) these cash advances were not listed on the summary only express codes and the total purchases for each card. During the first week of XX/XX/XXXX we had a business slow down but the comdata fuel expenses were still high. I called in Comdata for help and when I spoke to a representative they guided me to a section of their website where I will have to run specific reports for detailed explanations and that's when I realized the fraudulent cash advances Mr. XXXX was taking with his fuel card. 

I have filed criminal charges with the XXXX, New Jersey Police Department against the driver. I immediately reported all the fraudulent transactions to Comdata however they are refusing to issue credit for the charges because they claimed the driver had a card. However I never requested for this drive or any driver to have access to cash advances that was the purpose for the express chek codes. If they would have listed these cash advances on the weekly recap statements I would've notice the fraudulent activity but they were not listed.

I believe Comdata needs to credit me back for these transactions as they never notified me about any cash advances this driver was fraudulently making or any of my drivers, and they also never notified me that my drivers were able to get cash advances with their fuel cards. I have attached a copy of what the daily recap weekly statement looks like and it does not show anything for cash advances.
Product: Debt collection

For the last 45 days, I have received no less than XXXX calls a day from various phone numbers from XXXX. Multiple voicemails are received and ask to return the call to the number on the caller ID. I called and " Summit Receivables '' answers. I asked for reference and they stated me " questioning the debt or asking for validation would reset the statute of limitations. '' I asked for clarification and then to please stop calling my numbers. The agents response was " you're being referred to legal '' then hung up. I continue to receive multiple calls a day from random numbers.
Product: Payday loan, title loan, or personal loan

I asked if this would run a hard inquiry or soft inquiry. They told me it was soft, it was hard and my credit dropped. 

The store was XXXX XXXX
Product: Money transfer, virtual currency, or money service

I paid XXXX through PayPal for and item and I never received that item because the merchant is a scammer and he admitted it. PayPal wont let me have my money back because they dont feel like theres a problem.
Product: Debt collection

This company is contacting anyone that carries my last name. They have called a family member on XX/XX/2020 and said they are looking for me. This company have left threatening messages on my phone and is now calling others. Most of the people they are calling are not close relatives. They are people I met on XXXX XXXX but carry the same last name. This is unethical, embarrassing, illegal and I want them to Cease and Desist reaching out to others pertaining to my financial affairs. 

NCSG Northtown Capital Services Group XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I DID NOT AUTHORIZE THIS ACCOUNT AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THIS DEROGATORY ACCOUNT HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THIS INACCURATELY PLACED ACCOUNT OFF MY CREDIT FILE.
Product: Vehicle loan or lease

I put down XXXX on my vehicle but it doesn't show like I put anything down it's showing like that was my credit down payment information was put out saying they or someone has to pay me that money back
Product: Credit reporting or other personal consumer reports

I am writing to dispute items on my credit report that I believe to be inaccurate. Upon reviewing my credit report, I was shocked to find these accounts listed as negative. However, after conducting thorough research, I discovered that these same accounts are not being reported as negative with other credit bureaus, such as XXXX.
Product: Credit card

I made a purchase for a garden saw for {$99.00} at home depot in XXXX. On XXXX I received a notification that an account was made under my name with a random username. At that time I applied for a credit card, and I was given a paper card to use while in store. They said theyd mail me a card in a few days. The card was then mailed to me, however my entire neighborhood had their community mailbox broken into. The person that got my credit card spent almost a XXXX dollars, and I quickly confirmed on my phone that no those transactions were not mine. I quickly made a police report, and awaited follow up from XXXX XXXX. With that I also closed my credit account. After a few back and forth cases, they first determined it was me. However I am XXXX and only XXXX. There is no way security footage had me on the tape. They told me to send my drivers license as well as signature to their investigations. I did, but after a month they again determined it was me. I called customer support again, and they said to just pay the XXXX while they investigate ; I did that. They called back a month later saying I owed XXXX more dollars and that the charges were put back onto my account because they determined it was me. I told them to send me an explanation and details as well as evidence. They quickly said they would but still have not. Its been XXXX  months since that call. This has been happening/going on since the XX/XX/XXXX. It is now almost XX/XX/XXXX. I have sent them every detail. Now this is getting ridiculous, Ive opened XXXX cases with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from Equifax, XXXX, and XXXX attempting to collect an alleged debt. 
I send a letter to Equifax, XXXX, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Equifax, XXXX, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account?

* Yes * No * Have any Judgements been obtained by any creditor regarding this account?

* Yes * No Equifax, XXXX, and XXXX never responded! 

Furthermore Equifax, XXXX, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that Equifax, XXXX, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Equifax, XXXX, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. Equifax, XXXX, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

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

My mortgage was sold by Rushmore loan to another company over 5 years ago and they think I still owe them money my loan has been sold in the past and I never was asked to keep paying the old company that sold the loan they have been reporting to the credit bureau that I'm late every month for years how do I owe this company if they sold the mortgage that's fake that's like saying I still owe the other companys that sold it this is so wrong I called them and they tried to tell me I still owe them money even though they sold the loan that's not right I need some help here
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report an account that is inaccurate. The service that the consumer agencies provide I did not request or sign up for. The account listed as XXXX Account # XXXX has not been properly validated or verified as belonging to me. They keep responding that the information is verified but does not provide me with the documents or any information to follow up with which makes me believe that have not done a reasonable investigation. You can not keep responding verified but do not have the evidence to back it up. This will be my last and final attempt to get the consumer agencies to turn over the information or I will immediately sue each one and request whoever states this is verified to swear in under penalty of perjury that they did in fact do an investigation and were provided evidence which includes my wet ink signature.
Product: Credit reporting or other personal consumer reports

PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with DSNB BLOOM, XXXX and DSNB MACYS. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, DSNB BLOOM, XXXX, and DSNB MACYS with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon ; I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted many times to remove debt with the companies and no action has been done. I am not responsible for any type of debt on my credit profile and will like it to be removed instantly from my credit report. 

XXXX XXXX & XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/2021 Hard inquires below XXXX  XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  XXXX  Inquiry : XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report, It has been well over 30 days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICTUM OF FRAUD ON MANY INQUIRES ON MY CREDIT REPORT IN WHICH I DID NOT AUTHORIZE
Product: Credit card or prepaid card

I ordered a product through XXXX from a 3rd party company called XXXX, according to the company the product wax delivered. However I never received the product. I contact Chime who my prepaid credit card is with. They opened a claim on XX/XX/XXXX for the amount of {$97.00}. On XXXX the company XXXX sent a email stating the issued a refund. I never received the money back into my account from Chime. I received out to the company again who stated this morning that they refund my money, I just got off the phone with Chime who still hadnt refunded me my {$97.00}. I provided them with emails from the merchant stating they issued a refund.
Product: Credit reporting or other personal consumer reports

NATIONAL CREDIT SYSTEMS is reporting FRAUD AND defamation Of my character! TALISE APARTMENTS is reporting FRAUD AND defamation Of my character! TRANSWORLD INC is reporting Fraud I never had a XXXX  account! 

must correct or delete inaccurate, incomplete, or unverifiable information. If a CRA fails to maintain accurate information, consumers can file a class action lawsuit. CRAs must follow proper procedures when investigating a complaint about an error on your credit report. CRAs can violate their obligations to report accurate credit information if they mix your file with someone else 's file. A credit report may show a creditor or lender that doesn't exist or with whom you have had no financial dealings. Rejected disputes despite providing clear evidence
Product: Credit reporting or other personal consumer reports

Yes I have XXXX diffrent bankruptcys reporting on my credit report that does not belong to me, I have contacted the courts and they verified that its not me and they dont verify information such as those records to the credit bureau , which I have been a victim of identity theft and they get there records from XXXX XXXX XXXX XXXX which is inaccurate and I will like it to be removed from my credit reports
Product: Bank account or service

I already have a file opened. File # XXXX. I am submitting new information and a new complaint. In regards to my first complaints with PNC Bank adding fees on tops of fees, they added {$7.00} a day that money was not in the account on top of the NSF fee ... when the bank received my complaint, a gentleman from the bank contacted me and stated he would look into my account and that he would call me back. Well XXXX week later, I was calling the bank to check on the status of my complaint to see why I could not log into my account with my phone app only to find out that they closed my account. They did a credit of all but {$74.00} and charged my account off with no phone call and no notification. They did not tell me they were charging my account off in which they should not have done that and it was not even enough time that have gone by for them to charge my account off. I want my account back opened. This is bad business on their part and poor customer service!
Product: Credit reporting

An account was paid off in 2011. Collection agency that had the account ( XXXX ) has now sent all XXXX credit bureau 's XXXX letters stating that the account is paid in full but none of none of the credit bureau 's will mark it as paid. I have now opened XXXX investigations with no change from credit bureau. I need this resolved so it can quit negatively affecting my credit.
Product: Credit card or prepaid card

About a month ago I called Capital One to increase my credit line. My credit card has a credit limit of {$2700.00}. I wanted the amount to be increased to {$3000.00}. I called and asked the representative if I get a credit increase will this be a soft hit on my credit or hard? Since I have been with Capital One is it possible to receive an increase on my credit card. The representative tried to increase the credit and I was denied. He then told me that I could apply for another card. I did not want another credit card at the time I just wanted an increase. I did apply for the credit card and was approved for a credit limit of {$3000.00}. I have 2 concerns with this issue. The first is that I only wanted the credit increase for {$250.00}. I was denied and this went on my credit. Then I had to apply for another card and was approved but the interest rate is 26.99 % which is ridiculous. I now have the second card in which I really did n't want but I am responsible for it now. The interest rate when applied to my card is {$60.00} in fees. If I pay {$30.00} a month which is what is asked by Capital One for this second card I am not even making a dent in the paying for the card. I would like the fees and APR lowered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Product: Payday loan, title loan, personal loan, or advance loan

They sent the money to an account that can not be accessed.
Product: Checking or savings account

I signed up for a Business Advantage Checking account on XX/XX/2018 with a sign up bonus offer. The offer was to deposit {$5000.00} and make 10 electronic transactions, to receive a {$500.00} bonus. I believe the promotional code was XXXX. Upon completion, I received only {$200.00} on XX/XX/2018. I have made several calls to the company, both the local branch and main telephone number. They opened up " investigations '' with a promise to call back. I never received any calls back, nor the rest of my bonus.