23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

At the end of XX/XX/XXXX, around XX/XX/XXXX, I received a bill from XXXX XXXX for {$140.00}. My usual bill was {$55.00}. I called on XX/XX/XXXX to find out what was going on. They informed me that my bill went up as an introductory offer ended. At that time, I had already paid my usual portion of the bill. Unable to come to any agreement with a new price, I cancelled service. XXXX XXXX told me to wait until I received a box from them and then mail equipment back ( which I did ). I waited until the end of XX/XX/XXXXto receive a final bill. I paid the remainder of the triple bill as well as the first week of XX/XX/XXXX ( check XXXX for {$100.00} ). XXXX XXXX is reporting that I need to pay for the entire month of XX/XX/XXXX, even though service was terminated on XX/XX/XXXX and equipment returned the following week. They have turned the bill over to a collection agency " Convergent '' who is calling up to 5 times a day at all hours. They have told me if I don't pay they will be sending police to my house to arrest me. They have called at XXXX in the XXXX ( waking up everyone in the house ). I have tried to talk to XXXX XXXX but their response was " this is our policy. You have to pay. There is nothing I can do ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUD INQUIRIES THAT I DISPUTED WITH ALL CREDITORS LISTED THAT A FRAUD AND TO BE REMOVED AND NOT ONE CREDITOR HAS REMOVED THE INQUIRIES NOR HAS TRANSUNION >>>>>XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX   XXXX XXXX Inquiry : XX/XX/2018 National Credit Cards/Airlines ( XXXX  ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/2018 Finance ( XXXX ) XXXX   XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX  ) XXXX   XXXX Inquiry : XX/XX/2018 National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/2018 Finance ( XXXX  ) XXXX   XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX   XXXX  Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/2018 National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XX/XX/2018 Finance ( XXXX  ) XXXX Collections
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6700.00}
Product: Credit card or prepaid card

I just want to make sure that we are on the same page about these charges on this account in XXXX I had a balance forward of XXXX I have one all but two dispuite on this card with the card being closed since XX/XX/2023 so I have not been able to use it. I reopened and dispuited charges on XX/XX/2023 and want to make sure that Goldman Sachs recived the dispute..my calculation is that I should have a credit balance of {$1000.00} after the last two dispuites have been resolved. I want to make sure I get my money.
Product: Credit card or prepaid card

I got an impostor scam. He Sent me a spoofed Email, pretending to be a senior pastor from our Church. He told me to get XXXX cards for XXXX women at our Church. He said that he cant go to stores because he is in a meeting and cant use his cell. He needs give cards immediately and give him cords on the back of the cards. He told me to scratch on the back of the cards to get those cords. He told me to save the actual gift cards. I did all that he told me to do, believing that it is our senior pastor. I gave {$1200.00} worth of XXXX cards cords. At the end of the day, I received another email from a scammer to get {$300.00} more. I found out that it was not our pastor after giving him a phone call. I immediately contacted to my credit card company to ask for help. They have set a dispute. But they told me that I may not be able to get my money back even though they have set a dispute because I actually went to the stores to get those cards and a scammer already got the card cords. 
I asked them to submit a claim to fraud department, but they told me that my case doesnt fit to the regulation, so I couldnt. Basically I have been told that I have to give up and pay. 
I have saved all the Emails from a scammer and ready to submit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau failed to delete 2 addresses from my credit report. XXXX XXXX XXXX XXXX, PA XXXX. XXXX XXXX XXXX. XXXX, PA XXXX. Additionally, XXXX XXXX  as my listed employer should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vericred Solutions has put a collection on my XXXX  credit report. They also sent me the back up documentation. The collection charges are clearly not mine. Only the first and last name are the same. Middle name is different, SSN is different, nothing at all is accurate so I am not sure why it got attached to my credit. I submitted a dispute with transunion and they say its verified as accurate and i don't know how they can say that since it is not ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I sent a complaints requesting that you reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, you have failed to respond to my request and there is no response I receive. 
XXXX XXXX XXXX : {$24000.00}
Product: Credit card

I was a victim of an email scam. Asked by what I thought was a friend to do a favor and send some money to a third party. Did so turned the request came from someone impersonating my friend. 
XXXX XXXX XXXX and XXXX XXXX both say too bad we can not help you.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

In XXXX XXXX 2017, I submitted online a bill pay to an individual for {$3500.00} via my account with XXXX, XXXX XXXX XXXX ; the check was issued on X/XX/2017 by Northern Trust. After the payee received the check & attempted to deposit {$3500.00} to her own bank account, her bank/credit union however could n't deposit the funds because of " Return Reason - Refer to Maker '' dated on XXXX XXXX, 2017. I opened a case with XXXX via phone call. I then received a call on X/X/2017 from the corporate office telling me that the check was cleared & issued as submitted ; later on the same date, I emailed XXXX the photo/file of the returned check : refer to maker that I received from the payee 's bank. On X/X/2017, I called XXXX & Northern Trust to find out why my payment to the payee was returned or stated 'refer to maker ', I was simply informed by agents at XXXX & Northern Trust that the check on X/XX/2017 was issued and I 'll receive a copy in the mail in a few days. I stated that we all know that the check was cleared on X/XX/2017 after my bill pay request, but both XXXX & Northern Trust did n't answer my question as to why the check was n't cleared by the payee 's bank returned nor to further investigate as to why the check was returned -refer to maker. For whatever the reason, the check is not good ; therefore, I 'd appreciate a sincere effort from both XXXX & Northern Trust to look into & resolve the matter. Should the old/bad check need to be voided and another check to be issued, please expedite the process as my payment to the the payee was way past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM RE-SUBMITTING THIS COMPLAINT BECAUSE EXPERIAN APPEARED TO HAVE NOT READ MY COMPLAINT, PROVIDED A FORMATTED RESPONSE, AND DID NOT ADDRESS THE ISSUES OR THE QUESTIONS IN MY COMPLAINT.NUMBER XXXX. 
I have proof in the enclosed document of the following facts : Experian is knowingly and willingly violating the Fair Credit Reporting Act by implementing wrongful policies and procedures that are damaging my credit rating, as well as the credit standing of possibly thousands of people in the United States. Experian is knowingly accepting False or Inaccurate reports from Data Furnishers ( XXXX XXXX ) with the intent and purpose of damaging my credit standing. I also strongly believe that they are working in concert with Data Furnishers to achieve the same purpose. Experian has focused on my credit record with the intent and purpose of causing damage to it, probably at the request of XXXX XXXX, in violation of the Fair Credit Reporting Act, by monitoring closely all my activities and reducing my credit score in an outrageous and inappropriate manner over minuscules amounts of money ( ( {$95.00}, {$160.00} ) that have appeared as balances in my credit card accounts that I have immediately after they appeared or by ignoring major payments that I have made to reduce the balance of Loans of credit card accounts to XXXX, and increase my credit score points as the other two Credit Reporting Agencies have done, Experian is intent on causing damaging my credit record and/or keeping my credit score very low, either by acting on their own or in concert with Data Furnishers , such as XXXX XXXX XXXX XXXX ignoring any positive moves that I have made to my financial status, or by outrageously, arbitrarily and disproportionally reducing my score when they have seen minimal amounts of money as balance outstanding in any bank/financial company where I have accounts open. Experian has, over the past 18 months, has in an outrageous. arbitrary, and disproportionate manner damaged my wifes credit record by lowering her credit score several times without any merit. Experian has wrongfully lowered her credit score that used to be XXXX by XXXX points, because they ( Experian ) took into account only new debt, and overlooked the payments, by the same amounts, that my wife made at the same time.
Product: Credit card or prepaid card

On XX/XX/2020 I attempted to access my bluebird prepaid account, but was given a prompt telling me I no longer had access. Following the prompt that wouldn't allow me to enter my username and password, I called. Once I called the automated system told me my account was permanently closed and hung up. 

I immediately called again to get with a love rep and was transferred to a different department. Once transferred to that department, they refused to explain why they had closed my account. I had just received my unemployment deposit for {$1300.00} on XX/XX/2020 and had money in my account prior to the deposit. They refuse to tell me why and won't tell me how I am going to get my money from them!!! They won't answer any questions and this is during a pandemic..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE A RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

XX/XX/20 WAS CALLED ASKED TO BE NOT CALLED AGAIN BY RUDE PERSON. XX/XX/20 WAS HARRASED AGAIN BY COMPANY TOLD THEM YOU I WAS NOT TO BE CONTACTED AGAIN THEY REFUSED THAT WAS PLACED ON DO NOT CALL LIST BUT THEY RECORDED BOTH PHONE CALLS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I filled out my information for an application for XXXX XXXX and then canceled without submitting the application. I then got noticed that my Experian credit was pulled on XX/XX/XXXX and then again on XX/XX/XXXX. Please remove these two inquires being reported on Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX we had our XXXX XXXX XXXX repossessed however we were able to pay the past due amount and the repossession fee, everything totaling {$870.00}. However the loan company has been reporting that the car has been in repossession status ever since then. This has affected our ability to purchase a house and has had an adverse affect on our credit. The company in question is Westlake Financial. 

I also just noticed that they have on our payment history with the company that the car has been repossessed three different times. This too is inaccurate, since the car has only been repossessed twice.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 card or prepaid card

I received at least 1 XXXX XXXX MasterCard (Barclay issued a card with one number XXXX XXXX XXXX XXXX)) that I never applied for. I then received a statement from XXXX   XXXX MasterCard (different account number XXXX XXXX XXXX XXXX) with a balance of $XXXX apparently charging me for expedited delivery (which I did not receive) of the card I did not request!! I have been trying for the last day (XX/XX/XXXX-XX/XX/18) to reach anyone at XXXX XXXX MasterCard to rectify the matter (close the account(s) and remove the fee). They are apparently having some issue with their computer system and cannot access my account (an actual human being told me this) and therefore they have not been able to address this matter. My only prior contact with XXXX XXXX was purchase of a ticket for airline travel that I never completed earlier this year. I find it utterly unacceptable that first, this company does not protect its data such that credit cards are fraudulently issued (perhaps more than one) and second they do not provide a means of addressing these matters immediately even if their computer system is having issues.
Product: Debt collection

Creditors Collection Service ( XXXX ) claims I owe money to XXXX XXXX XXXX but I have never gone to them for service. I have requested multiple times to substantiate their claim of debt but they simply give me my name, address, date of service, and medical billing code. In addition, at no point do they show work requested by my physician. When I contacted my physician, I am told they NEVER send anything to XXXX XXXX XXXX. I have contacted my health insurance carrier, and they noted there are two companies using the same billing code for the same date  of service. Even this doesn't seem to phase the collector into investigating this claim further. The collection service continues to hang up on me because they feel what they have given me is enough for me to pay the bill. At this point, they keep hanging up on me and can't understand why I'm not just paying the bill.
Product: Vehicle loan or lease

I bought a car through Carvana on XX/XX/24. I returned their car on XX/XX/24 per their 7 day return policy. The car is leaking oil and is unsafe to drive. I received a confirmation of the return. An agent from Carvana came out to my home and inspected the car and processed the return. I no longer own the car. But they are requiring that I keep the car insured ( I have been paying for insurance on this car now since I purchased it on XXXX almost XXXX weeks ), my loan with their auto finance company ( XXXX ) is still active and they will be auto drafting my account for my first payment in a few days. And this car is still sitting in my driveway! Ive tried calling, texting, using their chat and even speaking to the person who came to my house about this and no one will help me. I want this loan terminated and this car removed from my property. Its been XXXX weeks.
Product: Debt collection

I received an email from my employer on XXXX/XXXX/XXXX advising I had a garnishment processed on my paycheck. 

Was given phone # XXXX to call XXXX and reference case # : XXXX. 

When I called a XXXX answered the phone and denied any request to not be recorded. Advised my mother was served my summon on XXXX/XXXX/XXXX, I advised I am not my mother. Then I was told I called in on XXXX/XXXX/XXXX but I did not. 

I asked for ownership of the debt to be mailed to me and stated I feel that my rights were violated because I do not understand how I can be garnished when I never had the chance to dispute said debt. 

When I asked what documents would be mailed to me, rep XXXX and Supervisor XXXX XXXX informed me they do not know and were not required to know what I am suppose to receive and would not provide me with the name of the regulatory agency I should follow up with if I feel that my rights were violated. 

If this debt is valid I want to make good on the debt and I want to keep misinformation from hitting my credit report. At this time I feel powerless because they already have garnishment withholding order in to my employer. 

I advised that if I do not receive the documents I will be at their office to request paperwork in person. 

They said they had me on recording acknowledging the debt but refused to provide any copy of the recording or to play the recording on the phone. 

Please help me. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$580.00} Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$500.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$850.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$440.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

INQUIRIES EXPERIAN XXXX XXXX XXXX XX/XX/year>2024 XXXX CARD on XX/XX/year>2024 XXXX XXXX on XX/XX/year>2024 XXXX XXXX on XX/XX/year>2024 XXXX XXXX XXXX  on XX/XX/year>2024 These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Mortgage

I have a mortgage and escrow account that was transferred to Mr. Cooper in XX/XX/2020. Mr. Cooper was responsible for tax payments via the escrow account for the year 2020. The district tax appraisal value published indicates roughly {$1600.00} is owed annually for county and MUD taxes. My escrow account value was over {$10000.00} ( I am charged nearly $ XXXX/mo for escrow ). Additionally, when viewing my escrow balance online the incorrect amount is shown for year to date total. 

I contacted Mr. Cooper XX/XX/XXXX via phone in an attempt at receiving a refund for the remaining escrow account balance and getting more detailed information. I was told " we do not have the ability to see balances, it is only available to our tax accountants ''. When asked to speak to the tax office, I was told " they are unable to be reached directly by phone or email, please submit a message through our website ''. 

Contact through the website was made XX/XX/XXXX, and an automated message was received on XX/XX/XXXX stating " You will be contacted within 7-10 business days with a resolution after we review your account ''. It has now been a full month with no contact and the existing support ticket shows closed. I opened another ticket on XX/XX/XXXX stating " I have tried contacting Mr. Cooper regarding this issue for 2 months now without a single reply of resolution '' and still have not received a reply to my second ticket. 

In short, Mr. Cooper is holding nearly {$10000.00} of my overpaid escrow and is ignoring my attempts to contact the responsible department for a refund. Due to COVID and the Texas freeze last month, this is much needed money at this time and I am being ignored by customer support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes on regards of the unverifiable accounts reporting on my consumer credit report causing me a great deal of issues when going to a financial institute to extend myself credit. please help me verify these accounts, and if can't comply with the requirement of my attachments I will be seeking remedy on every consumer violation.
Product: Credit reporting or other personal consumer reports

I have previously disputed hunter warfield in the amount of {$2100.00} on my credit report through experian, eqiufax and XXXX : On or about XX/XX/XXXX thru XX/XX/XXXX. I disputed the account questioning the validity. Upon investigation I did not receive an validation that this alleged debt is valid. I have disputed with the actual company and the above-mentioned credit bureaus and have not received any validation that this information is accurate. This account should be removed from XXXX, XXXX, and XXXX immediately.