23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/2016 I was contacted by phone by a representative of R.S. Clark and associates. This representative notified me that they were attempting to collect a debt that I originally owed to XXXX XXXX XXXX XXXX. The representative explained in great detail that R.S. Clark and Associates was in possession of a contract that I signed with XXXX XXXX XXXX XXXX that included an agreement to pay a debt of over three thousand dollars. I assumed the representative was providing accurate information and agreed to begin making payments but I also asked to be given a copy of the contract as I had no recollection of ever signing such a contract. The representative agreed to call me back after she found the contract. I called R.S. Clark and Associates the following week to follow up and was notified by the same representative that, despite their claim of possessing the contractual agreement between myself and XXXX XXXX XXXX XXXX, she wasn't able to find the contract. I immediately cancelled future payments to R.S. Clark and Associates and have spoken to representatives on several occasions explaining that I've never seen the contractual agreement they claimed the debt was based on and to this day the company 's representatives refuse to address the false information they gave me in their attempt to collect the debt. I've disputed the debt with the company on several occasions and requested evidence that the debt belongs to me, the company responded by sending a print out of a list of financial charges with my name typed at the bottom. Since then I've been notified by representatives that the debt has been reported to the credit bureau.
Product: Credit card

Kindly eliminate any records of delayed payments and adjust the status to either " paid now '' or " as agreed. '' I consistently make timely payments on this account and have never been overdue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The late payment that is showing on my credit report for my auto loan with XXXX is not correct.
Product: Debt collection

I had an XXXX account that was semi-dormant, items listed ( they remain listed until sold ) but nothing sold and no reason to login. This was also in 2021 when XXXX changed it's payment policies that any NEW listings required a bank account but I opted not to do that and keep XXXX on the existing listings as I did not want my banking information on their site. 

My XXXX account was hacked and without my knowledge the hacker listed 2 watches for sale. They also attached their own bank account to the account and sold both watches. Then got the payout by XXXX. I only noticed when I received an email communication from XXXX about an upset buyer not receiving their watch. I discovered the fraudulent listings and using XXXX messaging system replied to the buyer telling them it was a fraudulent listing and to dispute the transaction. I also noticed that there was a foreign bank account attached to my account which I could not remove from the account as it required me to replace it with another to do so, which I wasn't about to do. 

I contacted XXXX via live chat twice, finally directed to a different account via phone. I called at least twice, maybe three times being bounced around. Eventually, they said they would take care of it so I left it go. However, at no point in time did they remove this bank account from the account. I told them repeatedly it was not mine and they should get the money back. They said they would take care of it so there was nothing more for me to do at this point and it was in their hands. 

Here 's an excerpt from one of the webchats, " Here 's what I did, I have successfully submitted a request for fee credit adjustment. Please wait 24-48 hrs for processing, after this, you'll receive an email notification for the credit adjustment. '' Then later, not sure how many months later, I started receiving emails from XXXX the transaction fees which are a % of the sold products which was in the thousands of dollars. I was upset because they were supposed to take care of this. Then they suspended the account, no biggy as nothing was really selling/being sold. Then after 2 years since the event they sent it to a collections company. 

Upset, I have once again live chat with XXXX which they couldn't help but was directed again to phone to their Account Services who could. Well after calling them, they couldn't and said they would escalate the issue to a different team. Interestingly enough when talking to them they asked about the STILL attached hackers bank account. The next day I received an email that the problem for which I was contacting was not addressed by them and I needed to talk to Account Services who I had just talked to. Ugh! XXXX has had ample warnings and notifications to take care of this yet contacting them only leads in a circle of emails, live chat, and phone calls with absolutely no ownership. They could have easily canceled the transaction when this was reported and given those folks their money back since XXXX should hold those funds in escrow. Unfortunately XXXX probably also hurt those buyers out of tens of thousands of dollars while letting this hacker get away with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first challenged the public record on my credit report on XX/XX/XXXX with the credit Bureaus because I was unsure of this information : Us Bankruptcy Court XXXX XXXXXXXX Reference number XXXX - XXXX XXXX Dismissed. I spoke with a Bankruptcy Lawyer in XXXX  but NEVER filed any paperwork or did anything else, I was just inquiring. I saw this information on my report and challenged with the Credit Bureaus on XX/XX/XXXX. They responded back that it was accurate which I was confused about, so I researched the FCRA and it stated I needed to reach out to the original creditor, the Bankruptcy court. I have attached the information that they responded to me with in which they DO NOT send information to the credit bureaus. This is perplexing because pursuant to the section 611, paragraph 5, subsection A, of the FCRA, they are supposed to delete this information if its not verifiable, which I've proven. I I'm requesting you to remove this item, as required, by law, due to lack of verification. You, as a credit bureau, willing provided false information, which is illegal under federal law. 

I have sent the corresponding paperwork to the Credit Bureaus again on XX/XX/XXXX and XX/XX/XXXX but to no avail which is what brought me to this process. I request this information be deleted because I have proved it is inaccurate an non verifiable
Product: Credit card

On XXXX XXXX XXXX  I filed a purchase protection claim with Chase Bank. The credit card is Chase Sapphire Reserve. The claim amount is {$2400.00}. My claim number is XXXX. 

The bank intentionally delayed the reimbursement process, and their agents gave me misleading information during our conversations. Please see more details below. 

I have already provided all the documents listed on their website. However, they asked for additional documents. To assist them in making a decision, I immediately provided the additional documents they requested. However, after one week, they contacted me again and asked for further additional documents. Again, I provided them with the documents they requested. After another week, they asked for more documents. Moreover, they repeatedly asked for the same documents which I had already provided to them. Finally, their agent told me he thought the documents were good enough and that my case should be approved by the examiner within 24 hours. 

However, my case is still pending. I had to contact them again. Now, they have informed me that the examiner may require more additional documents to make a decision. 

Overall, they delayed my case by repeatedly asking for the same documents they already had, requesting additional documents ( which are not required by their policies ), and giving me inconsistent information.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX accepted into a debt management program. XXXX XXXX XXXX payments are made through XXXX  XXXX XXXXXXXX XXXX XXXX shows account current every month through app as XXXX XXXX XXXX is paying the {$15.00} fixed paid agreement account shows current minimum payment met yet XXXX XXXX  continuously reports late on credit see screenshot attached.
Product: Credit card or prepaid card

XX/XX/2023 received a letter from Bank of America ( XXXX XXXX XXXX XXXX XXXX that an application was made with my personal information to open a XXXX account. Received another letter same day and same date from Bank of America that they had " detected suspicious activity '' on my account. I called and spoke to a XXXX he said they would close that account and that I was not responsible for that account balance which is now at {$8100.00}. Received a letter at the beginning of XXXX dated XX/XX/XXXX from Bank of America that an application has been made in my name for a Bank of America XXXX XXXX XXXX. I called them on XX/XX/XXXX and talked to XXXX XXXX with Bank of America and he said there is nothing they can do for me unless I send them my social security number and account information. I ran a credit report and found multiple addresses using my name- I have cleared that information up and XXXX has removed the {$8100.00} BOA card from my report but I am not getting any help or assistance with Bank of American such as who is opening or at least trying to open these accounts. The Federal Trade Commission said that information ( by law ) I am entitled too. Can you please help me - I need this to stop.
Product: Credit card or prepaid card

I had XXXX credit cards with Capital One. 
I used my business account to make a payment though their portal multiple times. 
They suspended my account and demanded that I submit a bank statement showing the withdraw on the statement. 

The business account is with XXXX, I went to my banker and got a Letter of ownership that was signed by my banker showing that I was the owner of the account, when I opened the account. 

Capital one closed both of my credit cards causing my credit score to be impacted by their action! 

I also lost my reward balance of ~ {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting transunion and XXXX to please put an account on my credit report. The account is XXXX where I am an authorized user on this account. I also contacted XXXX as well to ask them to please report this account to the credit reporting agency 's. XXXX is currently reporting the account. This will help my credit score as I am having difficulty with the credit reporting agency 's in disputing wrong information on my reports for other items.
Product: Student loan

Student loans were agreed to be serviced to me by Kentucky Higher Education Assistance Authority in college between XXXX ( approximately ). Original loan amounts were {$4000.00} and {$2700.00}. After making many ( inconsistent ) payments for approximately XXXX  years, the loan was defaulted and I was informed it would no longer be reported on my credit. However, an unknown company called XXXX now reports {$16000.00} balance to my credit, claiming this account without my consent. I have no knowledge of the company XXXX, and certainly made no contractual agreement with them of any sort. XXXX  ( Kentucky Higher Education Assistance Authority ) provided no information as to how much was transferred, which debt was claimed as cancelled or abandoned, or the balance of the account at time of transfer. The only provided a balance of {$13000.00} as of XXXX. Loan transferred in XXXX and now nearly XXXX the original amount serviced from the US Treasury XXXX I received no XXXX report ( if it was considered cancelled ), detailed amount of balance transferred to XXXX, or any other report of actions taken. Also no receipt or information concerning the payments made to XXXX  that were acquired by XXXX when this loan was defaulted. Lastly, XXXX still attempting to collect this amount from me, still reporting to my credit, and showing balance of {$16000.00} of originally borrowed {$6700.00}. Im requesting total amount collected in payments, amount levied from my checking and savings bank accounts, and the amount claimed by XXXX and transferred to XXXX at the time I received notification of loan defaulting, XX/XX/XXXX 2021
Product: Checking or savings account

I received a letter dated XX/XX/XXXX/19 from US Bank.The letter stated that they are in the process of closing my account for suspected irregular activity. I did not understand this since I had a positive balance of {$950.00}. The letter also stated that if the account has a positive balance a cashiers check would be sent to me. At the bottom of the letter, it states if I have any questions to please contact the branch where I opened the account. I immediately went to the branch and spoke with the branch manager XXXX XXXX XXXX. She gave the phone number for the fraud dept and was very dismissive of me. I called the fraud dept and they advised me the account would automatically close on XX/XX/XXXX/19 and that if there is a positive balance it would be sent to me in a cashiers check. I waited until XX/XX/XXXX to call again and they stated the the account was closed on XXXX/XXXX and that and that a cashiers check was sent out to me for {$950.00} and I should receive it in 5-10 business days When I did not receive the check I went back to the bank and spoke with XXXX XXXX again who I could see really did not want to speak with me or my husband. She stated that no check was sent out and she has no idea why. I went outside of the bank and callled the 24 hr bank line. I spoke with XXXX who advised me the check was sent out on XX/XX/XXXX19 that I should expect it this week. I am getting a run around from this bank and no seems to know or care where my money is.I called again 4 days ago and they advised me that the check was at the branch office, which XXXX XXXX XXXX denies,
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted my mortgage loan servicer, 21ST MORTGAGE, to request a courtesy reversal of the late payment reporting in XXXX as I suffered from a XXXX in late XXXX that kept me out of work for almost three weeks, which is why my car note was late in XXXX. After suffering this loss, I expected the company to have some kind of compassion in regards to the American disability act, seeing that XXXX is considered a temporary XXXX. I can provide documentation if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/2022 and this is my fourth time trying to submit this complaint about Experian to your company and each time my complaint has been rejected in your system. I XXXX XXXX XXXX XXXX XXXX is submitting this complaint for myself. I just got off the phone with your representative and your system wouldn't even allow her to submit my complaint by phone. What's really going on. Are you trying to do a stall tactic or what?????? This is not a joke for me. 
I have submitted my complaint to Experian numerous times along with several documentations verifying that I'm a true victim of identity theft and they are refusing to re-investigate my claim of the inaccuracies. erroneous and misleading information on my credit report. I'm a victim of several different companies : XXXX, XXXX, XXXX, Experian, XXXX, and the XXXX sent me a letter notifying me that someone has used my information to gain employment under my social security number. I have sent an XXXX reports and documents to back my claim on numerous occasions regarding my identity being stolen to the credit bureaus so that they could investigate and the have ignored my request and have also refused to investigate. I feel that this is a case of estoppel by silence which is a violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX {$28000.00} XXXX XXXX {$2800.00} XXXX XXXX {$110.00}
Product: Credit card or prepaid card

I've bean making payments in advance to my credit card I've made 4 payments to my capital one secured credit card the limit of my credit is XXXX and I've bean monitoring my transactions The negative is my payment which show in my balance before I spent over XXXX dollars I added XXXX which showed negative XXXX and became my balance besides the XXXX I put there first making XXXX in my balance XXXX minimum down to recieve the credit is not shown on the ballance but the XXXX I placed was I spent before putting in a payment of XXXX dollars XXXX $ and that was my XXXX payment my first was XXXX the next was XXXX and after that was XXXX the last was XXXX Before that posted XXXX is what I counted in spending with my transaction history XXXX plus XXXX added to XXXX is XXXX When subtracted from XXXX Its XXXX My money is being laundered After paying off my credit line Of XXXX I should have another XXXX available even though XXXX is positive spending I should've had at least XXXX in credit available but instead my credit was XXXX And it became XXXX when XXXX dollars were processed. 

Which looks acceptable because I spent it But it should have bean added to the XXXX dollars owed in credit All my early payments left a prompt of no payments due And that XXXX dollars should've been added to what I spent in credit before I spent it again Towards me paying off my credit to spend it again XXXX not given in credit or used in my cash advance is missing and I have documents to prove it I'm being told that my balance is what I owe when it's only a portion of what I've put into my account I know my transaction history is what I owe I have no interest rates because I've never bean late on payments This fits with an article sent by the doj it's called holding financial institutions accountable for fraud I'm missing XXXX in credit I should only owe XXXX dollars I've paid in total XXXX None of it is due my credit should be XXXX $ in total and its construed as exceeding my credit limit Which concerns me with the financial/mathematical capabilities of the operaters as well as reading and language skills Also XXXX XXXX concerns me those recieving XXXX XXXX XXXX should operate If it's not a scheme its completely oversighted due to its benefits and if it is the doj state that it's the same Being XXXX  challenged means a relentless XXXX  to try and perform XXXX  when its a war already lost The persistence is tiresome
Product: Debt collection

Received attempt to collect a debt from Credit Management L.P ( File number XXXX ) for a medical services from XXXX XXXX XXXX under acct number XXXX, the bill uses the incorrect name of XXXX XXXX. I contacted XXXX XXXX XXXX to inquire about bill since we have insurance and had not received a bill. 

XXXX check every family member 's name including the incorrect name stated in the bill sent by collector. XXXX confirmed there are NO outstanding medical bills. XXXX also informed me the account number is too long to be an XXXX acct number and is missing letters. In addition XXXX does use Credit Management L.P as a collector. 

I looked up the company and found several fraud reports. 

Things are suspicious in this letter are 1 ) Incorrect Name : XXXX XXXX is Not my last name but it is my daughter 's last names. 
2 ) Acct number is 8 digits ( XXXX ) which XXXX states they use digits and letters for acct information. 
3 ) XXXX XXXX IMAGINING has no outstanding medical bills for our family and does not use Credit Managment LP as a collect.

Therefore, I dispute this attempt to collect as a fraudulent attempt.
Product: Mortgage

Called customer service regarding late payment fee assessed. When called the company, a different servicing company answered from phh mortgage company to XXXX XXXX. We were not told or notified that a servicing company had been changed. Anyhow, our concern is that we are being assessed for a late fee when in fact our account had been set up biweekly through bill pay from our own bank account, and it had been set up that way since we started the mortgage since 2015, and this is the 1st time we are being charged for a late fee. We checked our bank account and its been properly sent prior to due date.. our concern is late fees being assessed and frequent changes of servicing mortgage company, since we had the mortgage, it was changed to 3x and adds to confusion and frustration.
Product: Debt collection

I have received XXXX calls at work from this lender after I asked them to stop calling me at work. The person responsible is XXXX XXXX at XXXX extension XXXX
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on TRANSUNION credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Credit card or prepaid card

My complaint is in regards to my Discover credit card. Ive had this Discover credit card account since 1988, but have not used it in many years. Earlier this year I received a bill for $???. I looked at the charges and they are ALL fraudulent. I disputed the charges with Discover and asked them to close the account. They took some of the charges off my bill but then opened up a new account without my permission and transferred some {$400.00} in charges to the new account, and insist that the remaining balance is valid. 
They are charging me interest and late fees on it. I refuse to pay for someone elses purchases, and therefore need your assistance in resolving this matter. 
I can not communicate on the phone because of a XXXX, which makes handling such matters so much more difficult. 
Please help me resolve this because Discover refuses to acknowledge my complaint and wants to take the easy way out by making me pay for something I did not charge on this card.