23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The options it gave to describe the problem were not broad enough to include our issue - so I choose closest option. 

This debt resulted from the credit card purchase of a XXXX XXXX cell phone at Best Buy. The camera was defective. The entire selling point for this {$800.00} phone was the camera - we could have purchased ANY old phone to text and call! We reached out to Best Buy multiple times, they REFUSED to help in any way. No exchange, no refund. We then sent the phone to XXXX for repair under warranty, but when they sent it back the camera was not fixed. 

As it was purchased on a credit card and the balance remained, we called the creditor to file a dispute. They refused to take our dispute. We followed up by putting it in writing and sending it certified mail, return receipt. They would NEVER acknowledge our dispute and continued billing. We sent another notification of dispute and copies of documentation again with the billing statement. NO RESPONSE. Months later, we get a collection notice from XXXX XXXX XXXX. We informed them it was a disputed charge and they ceased pursuit. Now, a few months later, this attorneys office, XXXX XXXX  XXXX, are aggressively pursuing this matter. We have informed them it is a disputed charge and provided them will all documentation. They have failed to respond to our communication on the matter, have sent the XXXX XXXX to our door attempting to serve legal papers, and most recently sent notice to the postmaster for address confirmation to serve legal papers. They do not care that this is a rightfully disputed debt. They are pursuing it aggressively, looking for an easy payout. We intend to fight this fully, but these kinds of tactics should not be permitted. 

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX We had every right, under the consumer credit protection guidelines, to dispute this charge. We have documentation to support everything that we did in effort to resolve this matter. Prior to this, we had a long-standing account demonstrating excellent payment history with Best Buy. 

The fact that they are continuing to aggressively pursue a disputed debt, even after they have been notified and provided more than sufficient documentation to substantiated that is appalling and wrong. 

Lastly, as they have ALSO been notified. We do still have the phone in question in its original box and would be MORE than happy to return it to them immediately, provided any negative credit reporting related to this matter is corrected and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  and credit cards for military and veterans says i was late making payments. I was in XXXX. I had auotomatic payment and money was taken out of account. Right now they have said they are taking them iff but it has been a year. I am tired if companies that lie through there teeth. All is somebody needs to do is get credit report that shows not if paid or not but the credit reports that show money amount. I payed XXXX in XXXX and then they say i missed paymemt in XXXX. I havent missed a payment in 30 yearscwith any credit cards. Also XXXX  XXXX says in XXXX i was late ine day on the last 3 payments. I can rememner what happened like yesterday but it would take 2 pages. I had automatic payments with them too. Why would you pay paymentdms on timevfor 69 months then all of a sudden with no changes on life or job make paymebt late one day. I was in military and got paid on XXXX. The only thing that happens is there is 31 days in some months. I called them and asked why credit score webt down after i paid my car off with every payment in time. They are finance company and they made reason up why my score went down. It went down because i didnt have different credit types. They didnt know it and i took classes on credit. They made the late payments up because they dont give their own finance team credit reporting classes. 

I want legal dovumentstion from XXXX XXXX XXXX XXXX from FAIR CREDIT REPORTING AGENCY SECTION 604, 605, 609 AND 611. To show you that I didnt make payments late. I was in XXXX and thank XXXX i had automatic payments. These companies are triffling because i wrote bith of them and all 3 credit agencies for FCRA SEC 604 605 609 611. NOT ONE OF ALL THOSE SENT ME THE LEGAL  DOCUMENTATION SHOWING ME THAT THEY ARE CORRECT. I KNOW I AM CORRECT BUT IF YOU GET IN FIGHT WITH BIG COMPANIES THEY SEEM TO NEVER BECOME WRONG. BUT THEM NOT SENDING ME 604 605 609 and 611 they have to takev9ff credit reportvand they havent.
Product: Debt collection

On XX/XX/XXXX, I sent a letter to XX/XX/XXXX asking to validate the debt I allegory owe. However, they have failed to reply to my request. It has been 60 days.
Product: Debt collection

I have contacted both CCS Collections and XXXX and neither would take the blame for the mistake but both did admit it was a mistake. They passed me back and forth to each other and did nothing to correct this. This debt is for someone else and debt collection agencies continue to put his debts on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, my phone and computer were stolen. Somehow, the thieves broke through my passwords and accessed my Cash App and XXXX accounts. They drained my bank card for about {$10000.00}. I reported this to both agencies along with a list of the fraudulent transactions and the police report. XXXX replaced the stolen funds but Cash App is refusing. I am a furloughed worker due to Covid 19 with unemployment benefits and eviction protection running out. I wish so badly my phone and computer hadnt been stolen because this is literally ruining my life. Cash app has many many consumer complaints which they do not care about resolving. There is no way to speak with a live person. They are a rip off and should not be allowed to do business this way. I am happy to furnish any documents to you which I have already submitted to Cash App. I want my stolen funds refunded to me. This is so unfair. Please please help me. 
XXXX XXXX.
Product: Checking or savings account

The bank charge me an NSF fee then returned the transaction after saying they paid it. when I contacted the bank they told me that it wasn't their problem and returned a portion of the fee telling me that I should try to be more cautious of how I Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX & XXXX XXXX XXXX XXXX put late payments on my account. 

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S Code & 1681a - Definitions ; rules of construction- Exclusions-Except as provided in paragraph the term '' consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I discovered that WePay had frozen my business funds totaling XXXX without any prior notice or explanation. My agency, which exclusively serves XXXX clients, relies heavily on these funds to operate and meet financial obligations. 

Upon realizing the issue, I immediately attempted to contact WePay, only to discover that they do not have a phone number for customer support. All communication is restricted to the submission of tickets, making it nearly impossible to get timely assistance. Out of desperation, I visited my Chase bank branch, hoping for a resolution, but they were unable to help. They informed me that while WePay is associated with Chase, it operates separately, leaving me in a confusing and frustrating situation. This lack of coordination is baffling, especially given Chases heavy promotion of its small business services, which was a major reason I moved my operations to Chase in the first place. I specifically chose Chase because of its inbuilt invoicing system, which I now realize is managed by WePay, yet they have no direct way to assist me in accessing the funds that I need to operate my company. 

In compliance with their requests, I promptly provided the following : Last three months of bank statements Receipts for all my invoices Correspondence with my clients Despite countless tickets submissions, full cooperation and submission of all required documentation, both WePay and Chase have failed to provide any justification for the continued withholding of my funds. Moreover, they have not communicated any next steps or provided a timeline for resolution. 

This unexplained freezing of funds has had a devastating impact on my business, causing severe financial strain and preventing me from fulfilling my commitments to clients. Despite multiple visits to my Chase branch, I am told that all resolutions must be handled through WePay, leaving me with no clear path forward. 

As of now, my funds remain unjustly frozen without any explanation or resolution in sight, critically undermining my ability to operate my business and meet my financial responsibilities. 

This version emphasizes the severity of the situation and the impact on your business, making it clear that immediate action is needed.
Product: Debt collection

I am disputing this collection account by Stellar Recovery Inc. and XXXX XXXX because they have been paid in full. I contacted XXXX on XXXX17 and paid the XXXX that was claimed that I owed. I asked XXXX to contact Stellar Recovery and to have them update my account is paid in full and to contact the credit bureaus to have this account removed from collections and update it as paid in full. On XXXX17 I  contacted Stellar Recovery Inc. about this collections account. They verified that XXXX had contacted him, and told them that I had paid the account in full and had a XXXX balance. What I requested from Stellar Recovery was for them to update their information to the credit bureau 's immediately. They only told me that they would notify the credit bureaus they would send out their information at their convenience. I do not trust this company to notify the credit bureau that my account has been paid. As long as Stellar Recovery has this account in collections on my credit report, then it is still viewed as derogatory information. I want sSellar Recovery to update my account is paid in full with a XXXX  balance immediately and not at their convenience. Stellar ' information is listed below. <P/>Stellar Recovery Inc. XXXX XXXX XXXX # XXXX XXXX, MT XXXX XXXX
Product: Checking or savings account

Expecting direct deposit on Wednesday XX/XX/XXXX and no direct deposit came through We are now on Friday and still no direct deposit and no access to any money whatsoever. All of our bills are late and we are now incurring a pretty big amount of late fees for everything. Called Capital One one more time only to be told they have no clue when the issue will be resolved and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander is the worst company I've experienced as far as fraudulent reporting, incorrect information and refusal to fix it. There are many inaccuracies from this acct and it's reporting. 

They stated assistance for covid affected individuals was available in the form of deferred balances of missed or late payments and would not report the corresponding payments and balances as late or anything else negatively effecting credit, this did not happen. I have multiple lates reported ( some of which where the original ppayments supposedly forgiven for covid were still made on time and with full payment ) that are incorrect, I have a much higher balance reporting than correct, they have materially hurt my abilities to qualify as a mortgage loan originator because of the massive negative effect this has had on my credit. 

Not only is Santander leaving out my positive payment history for all of XXXX and XXXX, through opening of the loan in XXXX of XXXX all the way through XX/XX/XXXX are not reported despite on time payments. This is also clear from balance reporting. The balance is VERY incorrect, somehow I've made almost 36 payments and my balance had not gone down, the dispute lowered the balance but not nearly by as much as has been paid down. 

Santander has a few options to resolve this to avoid further action including but not limited to legal action for incorrect reporting, fraudulent balance reporting, incorrectly reporting late data, and once notified of desire to refinance removing multiple on time payments from history as well as increasing the balance on the report clearly intentionally getting in the way of refi or anything I could do they will, lower the balance to the correct amount and include a portion for the damages real and emotional that resulted in inability to refi car loan to a lower more manageable rate, the neg effect on my report preventing me from making more money at my job because of licensing, and the neg effect of not being able to open a credit acct during emergencies where I had suffered with no food and to remove all late payments and CORRECTLY show no missed/late payments throughout the whole loan not just refusing to even show data as they have done during XXXX while all payments were made ( which I'm sure is part of the balance issue ) so lowering the balance by a min of $ XXXX as it should be reported anyhow and a credit of $ XXXX on the balance. 

Option 2, send a credit in the form of a wire or eft to bank acct of my choice which I will inform of after review is complete and Santander decides which option to go with. 

Option 3, forgive the whole balance and correct the late payments. 

Any of these options is considered acceptable for myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Transunion Re : Us Bkpt Court NY Bankruptcy chapter XXXX To Whom It May Concern : I have previously submitted a certified letter which was received and signed for on XX/XX/XXXX2016 requesting that a dispute be initiated for a public record Bankruptcy chapter XXXX which is reporting information on my Credit Report.
Product: Credit reporting or other personal consumer reports

I do not recognize, nor did I authorize these companies to pull an inquiry of my credit report. 
XXXX XXXX XXXX inquiry date : XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I check my credit report and shows a hard inquire from someone that I didn't authorize to check my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This evening on XX/XX/2021, I received numerous emails stating that a hard inquiry for a XXXX XXXX XXXX XXXX was made. I never applied for a credit card on this date and haven't for months. I froze all of my credit reports immediately. Any help would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

All of my student loans with ED/Financial Services have been in deferment for over XXXX. Student loans were deferred nationally in XXXX because of the Covid 19 Pandemic. Yet My credit was set as a default as follows : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Days Late. My loans are still in deferment, and even though ED/Financial Services corrected the status on all XXXX loans, The late payment history has to be removed permanently. I will contact the Department of Education if necessary, but the loan status must delete these late payments permanently.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in  XXXX  I pulled my credit report from all  XXXX  agencies. I noticed incorrect info on my account such as address I never lived and phone numbers that did n't belong to me. I contact all  XXXX  agencies to add a fraud alert on my account since I believe I was a victim of identity theft. I noticed on my Transunion report multiple inquires that did not pertain to me. I sent a letter and followed up with multiple phone calls and I cant seem to get these fraudulent inquires off my account. Transunion keeps giving me the run around.   The inquires in questions are as followed :   XXXX   XXXX   XXXX /2016  XXXX   XXXX /2016  XXXX   XXXX   XXXX /2016,  XXXX  2016   XXXX   XXXX /2016  ( DUPLICATE )
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX , IN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX  XXXX, AL XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance XXXX {$2900.00}
Product: Money transfer, virtual currency, or money service

I have had issues transferring money only through XXXX XXXX since the spring of XXXX. Although the transactions were initially approved, they were subsequently cancelled for no apparent reason. I continued to have the same issue with all transfers attempted online. A customer service rep in XXXX told me that the transfers were denied for " security '' reasons, but refused to elaborate. Because I was unable to make the transfers online, I could only set them up online and then go to a XXXX outlet to pay for them. I did this successfully until last XXXX, when I was unable to set up " pay in the store '' transfers. I contacted the same rep of corporate resolutions, but never received an explanation for what went wrong. The rep provided promo codes that would supposedly waive the excessive fees charged in points of sale for XXXX. The codes supplied only work online and are not accepted in XXXX offices. Yesterday, I attempted to set up a pay-in-the-store transfer online and was again unsuccessful. There were no error codes provided, but I could not complete the process. I called XXXX several dozen times, and in each case was routed to a call center in the XXXX. Employees there refused to provide their location and refused to transfer me to escalations in the XXXX. Today I called the corporate offices of XXXX several times and tried to speak to a rep in Executive Resolutions with whom I had spoken last year. She did not respond to my voicemails. I tried several other numbers for corporate offices, but in all cases was routed back to the call center in the XXXX. The names of the call center employees I wrote down are : XX/XX/XXXX XXXX XXXX and a supervisor named " XXXX '' who said he worked on the floor of the call center. The person with whom I corresponded in the Executive Resolutions Office is : XXXX XXXX Executive Resolutions Specialist XXXX XXXX XXXX XXXX XXXX, CO XXXX Direct line : XXXX XXXX Fax : XXXX I also spoke with : XXXX XXXX XXXX Customer Advocate Office US : + ( XXXX ) XXXX ext. XXXX Office Intl : + ( XXXX ) XXXX ext. XXXX E-mail : XXXX westernunion.com
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has listed on my credit report as my home pertaining to a business. On several occasions I have asked then to remove that as I have never has a business at my home. They have told me that it has to stay.
Product: Mortgage

Our House was in Bankruptcy with the rest of our items. Untill the XXXX throught it Out Rush More mortage loan company claims that we missed payments from XX/XX/21 to the presnt Date and they just sent back XXXX Payment. So we presented our bank statements of those Dates they claim we missed to our Bankruptcy Lawyer and she Presented them to the XXXX and Rush More Lawyers on the court date.Come to find out they didn't Receive our first Modification forms so the XXXX suggested that we file for another modification so we did that and XXXX  it to Rush More so a few days later we contacted Rush More to see if they received our paper work for Modification the answer was yes they can't proceed. Untill we pay the Payments they claim we missedso we contacted our Bankruptcy lawer. So she say that she can't help Us in this Matter. Order for us to save our Home for last XXXX plus years from Foreclosure we must come up with those Payments That Rush More claims we missed. we need to come up XXXX Dollars by the XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I Made my Mortgage payoff on XXXX XXXX XXXX with crossCountry Mortgage, LLC.Three weeks later I was due to receive my escrow check, which has not happened despite having called several times abaut it.So far I ha e not recei ed a concrete answer, XXXX  XXXX evasions and justifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Transunion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX