23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX XXXX XXXX Account XXXX : N/A I have discovered that XXXX of XXXX has incorrectly reported this account as a charge-off. This information is inaccurate and does not reflect the true status of the account. Furthermore, this item had previously been deleted from my credit report, yet it has been reinserted without proper notification as required by law. 

According to 15 U.S. Code 1681e, consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. The failure to do so in this case is a violation of the Fair Credit Reporting Act ( FCRA ). Additionally, under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ), if a disputed item is reinserted into a consumer 's credit file, the consumer reporting agency must notify the consumer within 5 business days of the reinsertion. I did not receive such notification, which further violates my rights under the FCRA.

I request that you promptly conduct a thorough investigation into the reporting of the payment status of this account and take immediate and decisive action to rectify these inaccuracies and ensure that the incorrect charge-off status is removed from my credit report. A fair resolution to this matter would entail marking the account as " Paid as Agreed '' or " OK '' to accurately reflect the true payment status.
Product: Debt collection

On XX/XX/20 Miss XXXX from rent recovery solutions told me and my boyfriend that we owe them money for an apartment we moved out of. 
I was the secondary on the account and my boyfriend was the primary person on the account. 
We asked for verifications of the debts owed and they never provided us any of that information. 
My boyfriend disputed this and it was removed from his account. It has not been removed from my account and now they are calling me saying I owe the debts that we never verified in a respectful time frame.
Product: Mortgage

I overpaid for my home. JP Morgan failed on my loan refinancing and loan modification. I am working on an assumption and was told to go to the local branch. The local branch stated they do not have a mortgage person in house that can help me at the   XXXX   XXXX   Branch in   XXXX    Texas. I want JP Morgan to reduce my principal balance and/ or not charge me for the next 6 or 12 payments. This is frustrating and upsetting. I want a local person that I can work with in the  XXXX , Texas area.
Product: Credit card

I was checking out what was involved in starting a website when a person solicited me over the telephone. I was told if I had certain qualities I would be able to enter a special program to help me start an online business. It turns out that the special quality was if I had the money. On XXXX XXXX, 2014 I was contacted by a company called XXXX XXXX XXXX, XXXX. I was told I could earn a significant amount of money by working from home. I was sold supposed " Educational Products and Services '' on XXXX XXXX for {>= $1,000,000}. This alleged service was intended to guide me on building an XXXX business online and sell products on XXXX. 
XXXX XXXX XXXX, XXXX verbally promised over the telephone that I would be learning this " XXXX '' business because of there assistance. I was told I would receive weeks of coaching but the company failed to provide anything in writing that explained the coaching process. After numerous phone calls I finally received a phone call from a gentleman named " XXXX ''. This individual informed me that he would assist me during the coaching process. The coaching process only lasted a short period of time before it became impossible to reach anyone on the phone. After a few phone calls from my alleged coach I immediately became suspicious that I was involved in a scam. Everything that I was originally told from XXXX XXXX XXXX, XXXX was a complete lie. 
It was now evident to me that I was involved in an online business opportunity scam. I tried everything in my power to contact XXXX XXXX XXXX, XXXX. All phone calls went to voice-mail and were never returned back to me. I even realized that this company was operating from a XXXX XXXX not an actual business location. As of today no contact has been made with XXXX XXXX XXXX, XXXX. They never provided any " Educational Products '' or " Services '' to date. I urge you to please try and contact them to help me resolves this issue. 
I consider a full refund to be a fair resolution with XXXX XXXX XXXX, XXXX. I did not receive the products and services that were described to me at the time of purchase. I have attempted to resolve this issue with the company directly, but they continue to ignore all request. The invoice that I have has no terms of agreement or show what services were to be provided. During this period of time I was on medical XXXX and was looking for an opportunity to work from home. From initial point of contact I was verbally guaranteed to make sales/profits. Before I loss all communication I attempted to go and meet them personally and learn the business hands on. They repeatedly refused and would not provide me with a physical address. I paid this company and they completely disappeared. I have received absolutely nothing and my bank will not assist me.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXXXXXX XXXX ran my credit with ; XXXX XXXX, Equifax and XXXX XXXX XXXX, Equifax and XXXX then sold my information to mortgage lenders. Today, XX/XX/2023, I have already received 27 calls in 2 hours from individual mortgage lenders. I have asked them to stop calling and have blocked them. After contacting XXXXXXXX XXXX i was told that in all probability these groups probably sold off my personal information, which is interesting because these are supposed to be the safe organizations.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute several inaccuracies on my credit report. These accounts and inquiries do not belong to me, and I request that you investigate and remove them immediately, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Below are the details of the accounts and inquiries in question : XXXX. XXXX, Account # : XXXX, Bureau Code : Joint, Balance : $ XXXX I am not aware of this account, nor have I ever opened a joint account with XXXX. This account is fraudulent, and I request that it be removed immediately under 15 U.S. Code 1681. Please take immediate action to remove this fraudulent account from my credit report. 
XXXX. XXXX, Account # : XXXX I have never owned a credit card. XXXX account is fraudulent. Please remove this account from my credit report promptly. 
XXXX. XXXX, Account # : XXXX, Balance : $ XXXX I have never received any notification or documentation regarding this debt, which denied me the opportunity to dispute it. I contacted the collection agency immediately after seeing this account on my credit report, but they have failed to provide adequate documentation to validate the debt. This is a violation of the Fair Debt Collection Practices Act, and I request that this account be removed from my credit report. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX ) This account is invalid, and its presence on my credit report is a violation of 15 U.S. Code 1681i ( 5 ), which mandates the removal of invalidated credit information. I demand that this account be removed immediately. 
Fraudulent Inquiries : XXXX XXXX These inquiries were made without my authorization, and I request their immediate removal from my credit report as they are fraudulent. 
Please send me written confirmation once these fraudulent accounts and inquiries have been removed from my credit report. I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am in a joint account with my mother. Ford motor credit is the account holder. We purchased a vehicle that had a faulty engine. We replaced the engine in the amount of XXXX dollars and Ford motor credit differed XXXX  month payment in which I made on time and was paying way more than the minimum balance. After several weeks with a new engine vehicle started to over heat again and risked blowing the engine once again. We contacted for and no help was provided or given to assist us in this problem. The car kept giving us problems and could not trade for another vehicle due to the low value of the vehicle. We were stuck with a monthly payment and could n't drive it due to this same issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Something is very wrong here : I believe My Experian, XXXX  and XXXX  scores are being manipulated by the credit bureaus out of retaliation for the complaints I have filed. 
Facts : On XXXX My Experian score was XXXX - 7 Neg accounts, 1 collection for {$9500.00}, overall credit usage at 35 %, Total Debt {$22000.00} XX/XX/XXXX ; NOTHING CHANGED SCORE up to XXXX On XX/XX/XXXX. XXXX, A few good changes : Collection account was remove, Number of late accounts dropped from 7 to 6, Overall credit usage a bit higher to 39 % ( Score dropped to XXXX ) XX/XX/XXXX : MORE GOOD CHANGES : No collection, Credit usage dropped to only 16 %, Total debt dropped from {$22000.00} to {$7800.00}, Credit card debt dropped from {$6200.00} to {$2700.00} and a XXXX Charge Off for {$20000.00} was changed to settled yet my Score barely increases to XXXX So how do I have all these improvements, no other negative accounts and my score doesnt change? 
Take another look : On XX/XX/XXXX, I had a collection account, 7 Negative accounts, Credit usage of 35 %, total debt of {$22000.00} and my EXPERIAN CREDIT SCORE WAS XXXX On XX/XX/XXXX, I had the following Positive changes in my overall credit report : The collection account was removed, Overall Credit usage dropped considerably from 35 % to only 16 %, Negative account dropped from 7 to 6, Total debt dropped from {$22000.00} to {$7800.00}. My total Credit usage amount dropped from {$6200.00} to {$2700.00}, yet get this My Experian credit score barely increased by 3 points to XXXX. How is this possible, especially since it is well advertised that Overall Credit usage is $ 35 % of our combined score and mine usage dropped from 35 % to 16 %? 
Additionally, XXXX  is WAY WAY WAY off and always has been, look at the number of account amount owed and debt with XXXX  compared to Experian and XXXX. I have tried correcting this for years and XXXX  has done nothing. 
This errors cost me thens of thousands each year. That/s just me, imagine the damage to all Americans. 
****I guarantee the response I get from Experian XXXX  and XXXX  will be vague and not address the issue. 
This is one of many reasons why President Bidens plan to get rid of the Credit Bureaus will help over 100 million Americans. As all three Credit Bureaus have my information wrong, my score is inaccurate and numerous differences between each bureau.
Product: Checking or savings account

I have had a bank account with Chime Financial for a few XXXX  without any problem. I have been working as a XXXX XXXX direct depositing my paycheck into this account. Chime Financial has a feature called Spot-Me which is esstentially an XXXX  service the amount of which is based on what the paycheck is. XXXX XXXX do not work over XXXX nor do they get paid. I noticed issues with the Spot-me account. I called Chime customer service. I was told that the XXXX was calculated based on balances in checking account and balance on the credit builder account. At the time the blance was approximately - {$30.00} credit builder and - {$20.00} in the checking. I deposited money into the checking account. However when I went to make a purchase I was only credited for {$10.00} although I had a positive balance. The XXXX did not kick in. I called Chime to find out what was going on. Chime has call centers in the XXXX. This practice of XXXX call centers should be stopped. I had an hour of fruitless discussion with Chime customer service reps. I wasted my breath arguing with Chime. I told them I was expecting refunds of XXXX charges to the credit builder account. They did not seem to understand me. My balance in the checking was positive {$10.00} according to the app. XXXX XXXX do not get paid much. Yet a putche of {$11.00} was not going through. I attempted to explain the situation. Chime refused to help. I told Chime they did not understand what I was trying to say to them. Clearly they didn't or they didn't want to understand. They hung up the phone on what was becoming a heated discussion due in no small part because Chime was lighting a fire under it. XXXX XXXX  later I got an email saying they were closing my account. They then blocked all access to my transactions. They stopped me from logging into my app. I called them. They said they were going to review the account. This was XXXX XXXX  ago. All of my interactions with Chime had been courteous. I blame Chime for being exactly XXXX half of a bad conversation. Consequently, my direct deposit was bounced back. I didn't get paid. All of my recurring ach transactions didn't get paid. My paper paycheck was mailed from Michigan. I still haven't got paid. Chime has not responded to any requests from me at all. They misled and lied to me. They closed my account after XXXX bad phone call in which that they caused increasing fustration.Its a situation of if a shoe fits.
Product: Debt collection

I have been harassed by conns, specifically by a woman named XXXX. I have been having a really hard time with cash and have not been able to pay my bill since XXXX 2017. XXXX XXXX has been calling multiple times every day for three months now. I have told them many times I do not have money, yet they will call me hours later asking for the payment again. Today they called me four times. Three times after I told them I did not have money. They call my parent multiple times while they are at work, as well as other family members. I have asked then not to call my family especially because they bug them while at work, and my mother is a doctor and can not have bill collectors calling when I have told conns I can not pay. I have asked conns to send it to collections. XXXX today said " good people pay their bills '' implying we are not good people and making derogatory comments. I have asked her to stop calling repetitively and she replied saying no she will not stop calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Address ID XXXX Account number listed XXXX .... is listing account as XXXX $ as of XXXX/XXXX/XXXX date open XXXX Is falsely reporting to my credit as account closed/written off as of XXXX. 
I have sent certified mail to verify this account and was returned on XXXX and again XXXX/XXXX/XXXX which was recieved but no response to verify the account was legitamate and in fact my account. 

XXXX XXXX XXXX. Box XXXX XXXX, sc XXXX Address Id XXXX account number listed is XXXX Balance XXXX as of XXXX/XXXX/XXXX Listed as a Debt Buyer This is a debt buyer purchasing a debt that originated as a XXXX debt. date opened XXXX This has been reported as fraudulent activity multiple times to XXXX and instead of sending me proof of the debt they sold it and stated no longer liable. 
Was reported to for both the Debt buyer and original creditor as well as all 3 credit reporting agencies to be Validated and again no responce. I will also report to FTC and BBB As this report is to be removed from all three agencies immediately and in a timely matter. 

XXXX XXXX AAddress ID XXXX account XXXX debt amount XXXX as of XXXX/XXXX/XXXX this debt please remove as the above accounts tried to verify legitamacy with cretified mail and requests to credit agencies and no responces. This account is also going to be reported to FTC and BBB for both agency and credit bureaus for non compliance. 

MY REQUEST ARE FOR THESE ACCOUNTS TO BE REMOVED IMMEDIATELY AND IN A TIMELY MANNER i have numerously requested the credit bureaus to do the same and the disputes come back as complete but no proof is still given. I have opened a case with the BBB and the FTC over the accounts and the Practices of the credit Companys reporting. I want the account in question removed from all three credit reporting agenies immediately.
Product: Debt collection

On XX/XX/XXXX I received a call on my cell phone from Oxford law llc out of XXXX Pennsylvania. After a lot of wasted time and being talked to very rudely it was discovered they had the wrong phone number on account, and was assured I would not receive another call. I informed them due to my cell plan they cost me money every time they call. I was contacted on XX/XX/XXXX again. It might not sound like a big deal but it is a waste of my time and money due to their incompetence. I find their business practice and tactics very questionable. I have not been late on a bill since the late XX/XX/XXXX and find it very insulting to be spoken to they way they do. As I was looking them up online I was praying they were close enough to drive to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  = this account was prepaid the card was Supposed to draft AUTOMATICALLY OUT of my account it NEVER did happen so i close this account XXXX THE BANK REPORT LATE PAYMENT AND on XXXX XXXX late i would like the bank to remove this this account is closed XXXX ) NISSAN MOTOR ACCEPTANCE this was reported as late on XXXX & on XXXX XXXX & on XXXX XXXX XXXX on XXXX XXXX i would like to get the late payment remove 3 ) XXXX XXXX THIS IS NOT ME REPORT ON XXXX XXXX FOR {$250.00} PLESE REMOVE ASAP 4 ) XXXX XXXX XXXX XXXX XXXX XXXX FOR MY XXXX XXXX  XXXX THIS IS AGAINST THE HIPAA LAW CAN NOT PUT THIS ON MY CREDIT TAKE THIS OFF MY REPORT XXXX ) XXXX XXXX XXXX {$370.00} THIS IS XXXX XXXXXXXX  PLEASE TAKE THIS OFF MY CREDIT REPORT. XXXX
Product: Debt collection

Since my first complaint this company has continued to call and leave messages in my voice mail.
Product: Debt collection

Central Finl control has failed to validate medical debt they 're claiming I owe. I initially sent a debt validation request in XX/XX/XXXX, followed up with a certified letter asking them to validate this debt again. They have failed to do so up until this point. The debt was reported XX/XX/XXXX for XXXX and again XX/XX/XXXX in the amount of XXXX for services rendered at XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX
Product: Credit reporting

I contacted Experian today requesting a refund for an apparent membership that I did not realize I was signing up for. I went to the website on XX/XX/XXXX to purchase a credit report that I thought was free but I saw that I had to pay XXXX so I thought it was just a processing fee and then {$21.00} came out of my account 10 days later, which I just saw today and I did not authorize or think I was authorizing. What I saw when I went to the website on my phone on XX/XX/XXXX is in the attached image. 
The supervisors I spoke with today said they could not issue me a refund because it clearly states on the website that I was supposed to cancel within one week but here 's the thing, I NEVER saw the important information section that is listed on the website because you have to scroll down to see it from mobile. It 's on a separate screen. How deceiving! Seriously! Deceptive mArketing at its best, advertising a purchase for {$1.00} and then misleading customers into a monthly subscription. 
All I saw was that front page which prompts you to immediately click the button, so I clicked on it thinking I was purchasing a credit report for one dollar and that was it. I did not sign up for anything I did not authorize any reoccurring payment on my end. Today I called and did cancel after finding out that they had signed me up for this. I feel very deceived and I would like my {$21.00} back.
Product: Mortgage

During our re-finance process, we were contacted by more than 6 different team members. When trying to return phone calls or emails, I either wouldn't hear back, or would receive conflicting information. We were supplied our final disclosure 7 days prior to our closing date, then on the closing date, supplied a VERY DIFFERENT disclosure we had never seen before. Only upon inspecting the disclosure on THE DAY OF our closing ( when I had to specifically ask to see the revised disclosure - it was not provided voluntarily ), did I find that there were errors and issues with the disclosure. I had to call multiple people to re-schedule the closing date and have them correct the issues that would have resulted in us needing to pay {$1000.00} more in closing costs. Even then, we were not supplied a new disclosure until a few hours before our re-scheduled closing date a week later which STILL had errors. The level of incompetence I experienced where I had to check Freedom Mortgage team members work was simply unacceptable. If I had a choice and we weren't already so far into the process, I would have refinanced with a different company.
Product: Checking or savings account

This is a complaint against Capital One regarding their deceptive practices related to their 360 " high yield interest '' savings accounts. The complaint alleges that Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. The complaint seeks redress for the misleading practices and failure to fulfill their advertised promises.