23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXXXXXX XXXX XXXX XXXX claimed that their equipment was not returned. After providing proof that the equipment WAS returned and signed for, XXXX acknowledged their error then issued a refund to my bank. The following month, incredulously, they decided to rebill my account. The charge was disputed, investigated by XXXX XXXX XXXX XXXX, who found in my favor. Since then, the supposed " debt '' has been passed on to different collectors, and I am constantly having to provide proof that this is not a viable debt.

The latest collection agency to handle this non-debt, has been Resurgent, and although I have sent them proof that this is NOT a viable debt, they continue to refuse to acknowledge the truth or remove the debt from their books. Instead, they continue to send a form letter telling me of their intention to collect the unpaid amount. Calls to their XXXX number are ineffective as they claim a previous cease and desist order prevents them from discussing the case. 

They have also refused to establish the validly of the debt, instead, they have provided me with the date and amount of the supposed debt, but have not made any attempt to actually verify the debt with XXXX, or investigate or acknowledge the undisputed evidence that they have received clearly indicating that there is not a valid debt. 

Despite the acceptance of a stop and desist order, the refusal by Resurgent to remove the bogus debt from their books, leaves this issue unresolved with possible consequences to my credit rating.

I need to have this issue resolved once and for all to prevent future possible damage to my economic standing.
Product: Credit reporting or other personal consumer reports

The list has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things 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 individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation 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 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

Just stated account updated i didnt receive no letter or info on account example repo how much sold for plus never received letter when car be sold to have chance buy back only phone call saying car sold
Product: Credit reporting, credit repair services, or other personal consumer reports

Information that I own money to the dept of defense is incorrect and I do not own this I have sent the information for dispute as well as the reason I dont owe XXXX this was an error on the finance ( unit ) And XXXX XXXXt which Im up to date on
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX XXXX a letter was sent via certified mail letter TRANS UNION know that my consumer rights had been violated no response was send in over 45 days not even a certified slip came back I have no response and at this time I am demanding as the consumer all listed items in the letter be removed immediately due to violations of my consumer rights and also not responding within the federal time period given
Product: Debt collection

XXXX XXXX / XXXX / {$7100.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$11000.00} XXXX XXXX / XXXX / {$0.00} XXXX XXXXXXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things 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 individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation 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 USC 1681s-2 they are suppose 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 had a private student loan that was in default in XXXX. In XXXX, I received a judgement on my credit which I was not informed of prior to it happening. In XXXX, they filed a garnishment against me. I had changed employers and moved so they had not received any payments. I had not heard anything about the debt since XXXX, and then in XXXX of XXXX, I received a letter that they filed a XXXX against my real estate. I looked at the court records and in XXXX they had revived the debt which I had not received any notifications about to dispute it. I had requested proof from their collection lawyer that is proceeding through court for proof of the debt and proof of the original date of default of the debt and they responded but only provided me with the public record court documents and not the original proof of debt. I also just received notice that they are trying to garnish my wages through the court. I looked up the company, XXXX XXXX XXXX XXXX XXXX XXXX and read about the other claims against them recently with court settlements. I am wondering how a company can file these court documents against me without notifying me or try to collect on a XXXX XXXX XXXX debt that is now over the statute of limitations for collection from the initial date of default?
Product: Debt collection

On XXXX XXXX, 2016 I leased an Infiniti XXXX from XXXX XXXX, California. My monthly payments are {$370.00} which I have been paying on time to Infiniti Financial services. On XXXX XXXX I received a letter from Financial services stating that I was delinquent in one payment. Upon reviewing my records I found out that I HAD NOT RECEIVED the XXXX invoice, instead I had received a recall notice from Infiniti stating that there were some issues with the passenger airbag which could increase the risk of injury to the passanger.I DID NOT RECIVED THE INVOICE. However Infiniti Financial charged me two months " or else, My account would be deemed delinquent.On XXXX/XXXX/16 I sent the requested payments in the tyiotal amou nt of {$740.00}, check # XXXX. On Sunday XXXX XXXX, I received a couple of phone calls from Infiniti Financial collections agency. A gentleman who identified himself as XXXX XXXX, stated that " this is a call from a collection agency attempting to collect a delinquent debt ''. I explained to him that XXXX was a Sunday and very early in the morning. I also explained him that I had already made the payment and that I rejected these tactics from Infiniti. He went on demanding me to provide him with other telephone numbers I may have and confirming my address. I told him that these tactics are illegal and that I would lodge a complaint. That was the end of our conversation
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I have previously paid off a credit card but my report has not reflected this, it still shows I owe XXXX dollars on my XXXX XXXX account. On XX/XX/XXXX I paid the entire amount off so the balance is XXXX, however it still says 100 % of used of this account. I have contacted XXXX, transunion and XXXX  XXXX to dispute this. My fiance and I are house shopping right now so the sooner the better. I truly appreciate your time thank you
Product: Credit card

On XX/XX/year>, I accessed my credit account with Capital One and noted a minimum payment of {$210.00} was due on XX/XX/XXXX. I also noted a " XXXX XXXX '' balance on the account of {$16.00}. 

Thus, I applied the " XXXX XXXX  '' balance to the minimum payment sum due on XX/XX/year>, and paid {$200.00} from my bank account, effective on XX/XX/year>, the date my minimum balance on the account was due. ( I had regularly paid the minimum balance on time. ) On the XXXX, I received a notice that I had failed to pay the minimum due and would be assessed a {$40.00} late fee. I called the toll-free customer service number to inquire about this circumstance ( which was an episode in itself! ) and, when I finally reached someone, was told that " XXXX XXXX '' can not be used to partially pay the minimum payment. I was directed to the " XXXX XXXX  '' redemption section of the Capital One website and -- at this time -- noted the following : " Account credits lower the account balance but do not count toward your minimum monthly payment. Your minimum monthly payment will still be required. '' This is a nonsensical rule as revealed by the fact that I could have opted to receive the " XXXX XXXX '' in a check, sent to the account address, and then negotiated that check and used those funds to pay the minimum balance down. During my call to customer service, I asked for an explanation of the logic Capital One has for the rule and, perhaps, not surprisingly, the representative simply repeated the statement that appears on the website. And the issue has now escalated to the point that a {$9.00} " underpayment '' has resulted in a {$40.00} " late fee '' and a freezing of my account until I make the next minimum payment which is not due until XX/XX/XXXX! ( And, perhaps, a report that the account is " in collection '' for an alleged {$9.00} underpayment! )
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Added two derogatory mark on my credit report Per XX/XX/XXXX. Upon, further research, these accounts were transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accussed debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, PORTFOLIO RECOVER ASSOCIATES has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Checking or savings account

I did not receive my direct deposit from Capital One on Thursday, XX/XX/year>. It is now Friday, XX/XX/year> and there are no updates as to when the outage will be fixed or when the funds will be released. This is a huge inconvenience for me and my family as I have small children and bills to pay and no one is answering the phones when you call customer service. The wait time is over an hour
Product: Credit reporting or other personal consumer reports

XXXX has a lot of inaccurate and negative information on my report. When I tried to go online to obtain and dispute these information, I am getting to call and request a copy in the mail. I called XXXX and they can't give a reasoning I was told I had to wait for my credit report to be mailed to me within 4-5 business days. I think that is ridiculous.
Product: Credit card or prepaid card

I was led to the Oportun credit card by a XXXX XXXX that is dedicated to educating people about new credit & lending opportunities ( XXXX XXXX XXXX XXXXXXXX ). Herein, I was seeking unsecured credit cards to build my score, credit mix, & profile in short order, and the Oportun card was described as offering a soft credit pull ( non-score impacting ) prior to full approval, so I decided to take a look at the Oportun site to see if this was true. 

Upon visiting the site, I did in fact confirm that Oportun does advertise a soft-pull pre-qualification, so I decided to enter my personal information into their online application form to see what the credit offer would be. Instead of providing a preliminary pre-qualification offer based upon a soft-pull of my credit, Oportun performed a formal hard-pull credit inquiry without my permission, knowledge, or consent. The Inquiry was also reported to all 3 credit bureaus & my credit score was negatively impacted. 

I immediately called Oportun to complain & to request that they remove the inquiries immediately. Still, I was met with difficulty, refusal, combativeness, & a generally stonewalling presentation by the various customer service reps that I'd spoken to. In addition to calling the credit bureaus directly ( wherein I was instructed to make the removal request directly to Oportun ), I've also called Oportun twice more on two separate occasions to rightfully demand the immediate removal of the hard inquiries reported to the bureaus, to no avail.

I still have not been informed if I was approved or denied a credit card, although the Oportun service representatives advertise & promise a 24-hour application determination.
Product: Credit reporting

For the past several months, I have been disputing several inaccuracies that are listed in my credit report I have written three letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Experian Account Name : XXXX Account Number : XXXX look like this account I not mine, I asked XXXX to send me a copy of this debt with my signature on it showing that this account really belong to me and they fail to reply
Product: Credit reporting or other personal consumer reports

Please remove my inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax requests unnecessary information to delete an invalid address ( address must have been entered incorrectly years ago and added to my report ). Equifax can check with the town and US post office to verify the non-existence of the address. Sending in my license, utility bill, etc. that only shows my current address is irrelevant. TransUniion does not require the information to process my request to remove the invalid address associated with my account - why does Equifax? Deleting an old address should be instant. Especially in cases where the address is invalid or necessary for the protection of the person ( s ) requesting the deletion. No proof beyond what is required to view one 's credit report should be required.
Product: Credit card

I have a Zales account - which is a Citibank product. I am behind on payments and am trying to make a minimum payment. Their website will allow me to pay only THEIR minimum payment which includes all arrears - {$590.00}. I do n't have that much and would like to make a smaller payment, but their website will not allow me to do that. I want to pay - I just can not catch up right now ( going through divorce ). Should n't they accept any payment? After the first year, they added over {$1000.00} in interest to a {$2500.00} bill. Insane!
Product: Debt collection

XXXX XXXX has been sending monthly payment of {$170.00} to XXXX XXXX credit and XXXX   has only been posting {$160.00} and trying to collect the {$10.00} saying it is past due. XXXX XXXX   has spoke to them and showed proof they are sending the correct amount. XXXX claims they are only recieving {$160.00}. I have contacted them about it multiple times they say it is the XXXX XXXX   company not them. I know for a fact it is XXXX because my other creditors do not have this issue.
Product: Mortgage

Mortgage Company has hijacked my property taxes! 
My husband and I purchased a home almost 10 years ago and used XXXX XXXX XXXX for the mortgage. A few years ago, my loan was sold to a company named SLS ( Specialized Loan Servicing ). We obtained a 7 year arm with no escrow of insurance or home owner 's insurance. XXXX years ago, I went online to pay my yearly property taxes one month late, and noticed the balance was XXXX. Come to find out, my mortgage company requested my bill from my city/county government and paid the tax bill and started escrowing my mortgage account. I mailed them the money for the tax bill amount to settle my escrow account with them, but they did n't post the payment and were holding the funds in some sort of " suspense '' account. This also made my mortgage payment look delinquent, so they have also reported my to the credit bureau for being 30 days late on my mortgage payment. All because they were holding monies in " suspense ''. I called and tried to straighten it out, but they were very rude and unhelpful and I never got anywhere with them. This company is NOT a good company to deal with and I would never CHOOSE to do business with them. I 've read complaints all over the Internet about them. I do n't seem to have any rights when it comes to this situation. I continued to make my payments to keep things current so that they do n't try and take my house. I went online last year to make my tax payment which is due on XXXX XXXX, but they had already paid it again, but 2.5 months early, so they hijacked it again!! This year my tax bill came early in XXXX, so I 've already paid the bill myself, which I have attached here. They are demanding escrow when my mortgage contract signed with XXXX had " NO '' escrow terms. I want to pay my own tax bill as I have done for almost 10 years with no escrow. They are escrowing several extra months as well! Again, this company has hijacked my property tax bill for the past 2 years and forcibly added an escrow account to my mortgage and I need help rescuing my monies being held in escrow and to restore my mortgage to it 's original terms. Can you help?
Product: Credit reporting or other personal consumer reports

My XXXX  score continues to reflect a collection that I believe should no longer be present. There should not be any public record or collection associated with my credit at this time.
Product: Checking or savings account

I deposited my XXXX check from my XXXX XXXX they placed a hold on it which is fine..XXXX  XXXX check cleared XX/XX/XXXX I went in they closed my acct that's fine but placed a hold on interested money XXXX I went in after they closed acct XX/XX/XXXX to get money they can't release my money because it's in a general ledger acct ..which XXXX XXXX could not tell me qhy nor qould she help me resolve this to get my.money .this is us bank XXXX XXXX XXXX XXXX ..they have XXXX which I need now my.mortgage and bills are late and Noone is helping me get my money which the Che k cleared XX/XX/XXXX it's now XX/XX/XXXX XXXX