23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I made contact with this furnishing agency and I was notified that they have no file of my social security number on file no account with my information at all I gave them a call both disclosing the same information. 
On my consumer credit report Wakefield and associates has furnished this information without my consent and contract that me the consumer did under Any rightful contract of my knowledge also reporting them with a major agencies I have a collection that is reporting negatively, with limit of which is considered a charge of, please help me with this matter and remove this account immediately due with consideration this CFPB account number is my filing claim and I have done several disputes in. Violation that XXXX XXXX has committed according to FDCPA, FCRA of 1970,15 USC 1692 ( e ) 15USC 1681 several regulations have been acted in violating my rights and requirements of these organizations and I would like to deeply send in dispute for REMOVAL of this account and investigation to seek remedy for all violations and regulations committed on both state and federal level with my residing state in SC by this agency showing dishonor I would like to execute seeking ramifications for the following several VIOLATIONS and dishonorable federal regulations committed against me and my livelihood and my ability to live in in functional formality and be productive. With the credit system that had specifically been designed to protect and benefit the daily lives of consumers, section 623 of the FCRA. Under the Cares Act. Effective immensely 15 USC 1640 due to the unlawful and inaccurate reporting for each Violation I seek XXXX dollars EACH In total for defamation of character and inaccuracy this charge has effected me and my ability to purchase a home a vehicle, extend credit to myself that I'm entitled to according ECOA CFR 1002.7 I would like to in good faith Seek remedy from this dispute in form of cashier check pay to order of XXXX XXXX XXXX Contact information Email XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX Beneficiary
Product: Vehicle loan or lease

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 1.
NISSAN MOTOR ACCEPTANC XXXX Date opened XX/XX/2019 Balance {$0.00} ; 2. NISSAN MOTOR ACCEPTANC XXXX Date opened XX/XX/2019 Balance {$0.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I am complaining about a company who has victimized me and made false statements to the Credit bureau that I have 30,60,90,120 days late on payments when I have not been late but once last year due to a medical hardship which was only one month which I made an additional payment of. The company, XXXX , XXXX, has abused my civil rights by constantly causing a drop in my credit score which I have worked very hard on for the past 7 months so I can buy a home.
In XX/XX/XXXX I  took a loan of {$1300.00} from them and continued making {$59.00} payments and they continue changing their policies and now say I owe them {$1000.00}. This has been going on for 2 years of payments and abuse from them. I am contacting the Attorney General in my state as well as a Senior Legal Firm next week.
On XX/XX/XXXX I called them to make a payment and was told my account was in collections because I did not pay XXXX and XXXX payments on the XXXX of the month. My payments were made on the XXXX of the month from XXXX arrangements with XXXX, but was refused the payments as legit and told early payments do not count. This is the kind of games they have played since the beginning of the online contract.
Every time I call them, a foreigner with a XXXX accent tells me a new thing about the account and keeps me so confused I do n't know what they are doing other than victimizing me and scamming me for more money, and as far as I know they are not a payday loan company and do not advertise as one. I need help to solve this outrageous scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violate my rights. 

15 USC 1681 Section 604 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Student loan

I was directed to take a forbearance and also went into default instead of working out a better payment plan. Once this happened my loan almost quadrupled in amount. I have n't received any help getting the interest rate lowered or offered any better repayment plans even though my credit is much better now and my payments are all on time. 

The only debts I have are student loans and a house payment ( no credit cards ) and even though I work many hard long hours and have a well paying job I still struggle and live paycheck to paycheck. I graduated college in 2005 with a XXXX only and I am still currently paying XXXX dollars a month in student loans alone.
Product: Credit card

This issue is with Chase Credit Card and XXXX XXXX XXXX XXXX. XXXX offers XXXX XXXX benefit to customers earning XXXX points within a calendar year including credit card referral bonus points. Towards the end of XXXX I was up to over XXXX XXXX qualifying points. I referred a credit card that was applied for and approved on XX/XX/XXXX around XXXX. Chase terms state can take up to 8 weeks to receive the XXXX bonus points. Normally I have received referral bonuses on the following month. I called Chase on XX/XX/XXXX and they said wait the full 8 weeks. I called back on XX/XX/XXXX, XXXX and they said message them. I messaged them on XX/XX/XXXX and then called again on XX/XX/XXXX. Finally they said they found the referral and sent the points XX/XX/XXXX. I then called XXXX and explained I had completed the steps on my end but there was an issue with Chase that prevented these points from applying within the year. XXXX stated someone will call me back. On XX/XX/XXXX I received an email from XXXX stating I did not complete the requirements in time. I called XXXX on XX/XX/XXXX and they requested I submit a complaint on their website. I submitted a complaint on their website and am finally submitting a complaint to CFPB as this is still not getting resolved. I have completed all advertised requirements to earn XXXX XXXX as advertised by XXXX and Chase, and due to an issue with Chase they are not awarding me the benefit they advertise. I find it suspicious that the referral towards the end of the year that would earn XXXX XXXXXXXX goes missing until 9 days after the deadline and then they find it and now say oops you didn't earn XXXX. Also worth noting, on XX/XX/XXXX, I went on a trip with my son that cost XXXX points for my sons ticket which should have not as he should have been my XXXX.
Product: Credit card

I am contesting that XXXX SYNCB is not my account. It has been openedwithout my consent.
Product: Credit reporting or other personal consumer reports

Requested validation and verification of debt for account and information was not provided. This information was requested in XXXX and XX/XX/XXXX and again in XX/XX/XXXX but was never received. 

Information that was requested : proof of debt, signed contract, insurance claim, chain of title, original creditor information and right to collect. 

Disputed with Equifax and accounts remained on my reports without any validation or verification proof.
Product: Credit card or prepaid card

BARCLAYS-XXXX CREDIT CARD AMOUNT : {XXXX} Charge Off In XX/XX/XXXX I got approved for this credit card. Everything was fine until I notice some fraudulent charges. I started disputing the charges around XX/XX/XXXX and they didn't remove the fraud charges. I decided to close the account and to continue making payments. I tried several times to fix this issue and no one helped me. I have been calling them since then and no one is able to help me. I would like to take care of this account because is affecting my credit and damaged my financial history. On XX/XX/XXXX I made several attempts to fix this issue and pay even the final amount. XXXX ; XXXX I spoke with operator XXXX " XXXX '' and he said they settled my account to XXXX and that's all I need to pay. I asked him when that happened. He said back in XX/XX/XXXX. I told him my credit report still showing a negative charge off the balance of XXXX} and he said that is impossible. I requested to speak with a manager. He transferred me to XXXX at XXXX XXXX. XXXX told me the same I asked her that I want to speak with an account manager. She transferred me to XXXX at XXXXXXXX XXXX XXXX told me he was an account manager and he said to contact XXXX XXXX XXXX at XXXX. I contacted XXXX XXXX XXXX and XXXX answer the phone. I told him I want to take care of my account and he was rude and hung up the phone. I call the XXXX XXXX XXXX  main number and a nice guy requested my social security number and he can not find any record under my name. 

I need help from your institution to resolve this matter. Their poor customer service and collections department is affecting my financial life a lot. I have intentions to resolve this matter but they don't want to work with me. I feel someone needs to put a stop inmediately. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE SOME INACCURATE INFORMATION SHOWING ON MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX THE FOLLOWING ADDRESSES ARE NOT MINE NEVER LIVED AT THESE ADDRESSES PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Debt collection

On XX/XX/XXXX Mc Carthy Burgess & Wolff agency called my work. They insisted on know my full name even though I only answer the phone here. When I asked them if they were calling to speak to an attorney they told me they could not answer any questions until the gave my full name. When i explained I was just an employee and not even the receptionist and did not wish to give my name, the refused to give me any information. They again called at XXXX XXXX  on XX/XX/XXXX. This time I gave my name but they refused to tell me if they were calling to speak to an attorney until I spelled my name. I don't know why they're calling, and I do not wish to give my full name and other information if they're not calling to speak with me. I consider this a form of harassment and an attempt at identity theft.
Product: Credit card

I closed my account on Google XXXX account they want let me close account they took XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are failing to show the following accounts are in fact In Dispute. XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; and XXXX partial account number XXXX. ( I have attached screenshots from my credit report for reference. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.
Product: Credit card

Late payment of concern : XXXX XXXX XXXX I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the late payments on my account. I have been a conscientious customer with your company since XX/XX/XXXX, and I am reaching out to request your understanding and assistance during these unprecedented times. 

Due to the economic challenges brought about by the pandemic, I unfortunately experienced a job loss, leading to the depletion of my savings as I navigated this difficult period. As a result, I encountered difficulty in making timely payments on my account with your company. 

I want to emphasize that I have made numerous attempts to address this issue by reaching out to your customer service through phone calls and written correspondence. Despite my efforts, I have not been able to find a resolution or receive guidance on how to navigate my financial hardships in relation to my account. 

I kindly request your understanding and compassion in considering the circumstances that led to the late payments. I am seeking your assistance in removing the late payment entries from my credit report, as I am actively working to stabilize my financial situation. 

I understand the importance of meeting financial obligations, and I am committed to restoring my account to good standing. However, I believe that the removal of these late payment notations would greatly alleviate the impact of this challenging period on my credit history.
Product: Debt collection

XXXX at Paragon Revenue Group called me on Tuesday XX/XX/year> at XXXX XXXX attempting to collect a debt that is not owed. 

I informed him that the alleged debt relates to a double billing of a preventative care colonoscopy, a procedure which must be paid in full by the insurer without cost sharing to the patient per the Patient Protection and Affordable Care Act. I had XXXX XXXX insurance at the time and the procedure was paid by my insurer. 

I demanded a debt validation letter. Paragon Revenue Group failed to send a debt validation letter, a violation of the Fair Debt Collections Practices Act ( FDCPA ). 

Paragon Revenue Group sent me a bill in the mail dated XX/XX/year> for the disputed amount of {$740.00}. 

Attempts to collect a debt which is not owed are another violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

Experian has proven that they are unable to generate an accurate report.
Product: Credit reporting or other personal consumer reports

Transition File # XXXX Employment Missing XXXX XXXX XXXX XXXX XXXX Is not appearing I work on contract for several companies as on the report XXXX
Product: Debt collection

I called and dispute this Account the are reporting in my credit {$1100.00} the I dont have no knowledge where it comes from, its the coming from ( Enchanced Recovery CO L XXXX ) AT & T . 
I didnt authorized to nobody to use my information in no party for no reasons. I Would like to get a report about it thanks.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX. ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Money transfer, virtual currency, or money service

I attempted to buy tickets for a comedy show in XXXX XXXX on XXXX. The scammer posted tickets on XXXX. I contacted them via phone ( a local XXXX XXXX phone number ). The person said they were only able to meet in person later so requested to send the tickets via XXXX and payment through the XXXX ( actually through the Chase app, which has XXXX payments built in ). XXXX is a service that transfers money from real bank accounts to other real bank accounts. 

I sent {$260.00} to the email address provided by the scammer ( XXXX ). The person then stopped responding and did not send tickets. I then contacted XXXX, their online support told me that I needed to talk to Chase because the transaction was initiated through the Chase app, not the XXXX app. 

I then talked to Chase, they informed me that they did not know who the money went to. They were not willing to stop the transaction or refund the money. They were not even willing to " blacklist '' the scammer. They told me I should talk to the police, but I dont have the information of the person the money went to. Only XXXX and or Chase does. They are not willing to assist with stopping this scammer and protect their customers. 

I have recordings of the conversations with Chase. The files are too large to upload, but I will provide if necessary.
Product: Debt collection

BELOW IS THE EXCERPT FROM THE LAST CORRESPONDENCE I SENT TO MIDLAND : The last correspondence I sent your company dated XXXX XXXX, 2015 pertained to a demand for validation. Your company 's response dated XXXX failed to provide me validation of the account and at the same time you have persevered with reporting the account on my credit report. Additionally, instead of a collection account with a charged-off amount, the account is being reported as an open past due account, to make it illicitly appear as an installment account in an effort to have a greater negative impact on my credit score. This is a blatant violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act ( FDCPA Sec 809 ). Hence, I hereby declare my intent to bring suit against your company under the regulations, due to your continued collection activity and failure to remove the account from my credit report.
Product: Vehicle loan or lease

On every monthly payment since XXXX they have been adding unnecessary fees to my bills and when I paid the last late fee this year, they added another one. And Ive never been late in that 2 years till now more than once.
Product: Debt collection

To whom it may concern, Your company says I legally owe you money. I will PAY under one condition if you can provide.

1. Validation of the debt that is, the actual accounting.

2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered. 

XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX USA ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX Account number XXXX Date opened. XX/XX/XXXX Status Collection account. {$470.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Original creditor : XXXX Balance {$1200.00} Account numberXXXX Kind Regards XXXX XXXX
Product: Checking or savings account

About an hour ago at around XXXX on XX/XX/2022 after finishing my dinner with my dad, he hands me over a wad of cash that total to about XXXX dollars USD. I decide to go to the nearby bank to deposit the cash since I did not feel comfortable holding onto this large amount of cash. I look at the screen the ATM says and it says to insert up to XXXX bills. Since the cash amounts are full of XXXX the total could have been no more than XXXX. I insert everything at once and after the ATM starts to process the cash, the longer it is processed, my worries continue. After around XXXX minutes of waiting, it spits out an error message of only processing XXXX dollars. This is approximately XXXX less than I was expecting. After I obtain the receipt, it says it processed about XXXX dollars. The ATM ID associated with this transaction is XXXX on XXXX XXXX.
Product: Vehicle loan or lease

My auto/RV loan was recently transferred to BMO. For the past three months BMO has lied and made it very difficult to make an extra principal payment. The XXXX month I called and was told by the call taker that a principal payment could be taken over the phone, which I did. I checked my account a few days later and it was not applied correctly and had to call to have it reversed and applied correctly. The XXXX month I called and was told by the call taker that a principal payment could not be taken over the phone and had to be mailed by check. I did that and specifically made sure it was labeled principal. I checked my account and it was still not applied correctly. I called and had it reversed and fixed. This time I was advised that if I made an " external transfer '' from my bank to the BMO auto loan that anything over what is due will automatically be applied to the principal. I checked my account and imagine my surprise when over 80 % was applied to just interest when I did not owe anything on the account. I called for the XXXX month in a row. This time the person I spoke to told me principal payments were not allowed and I had to pay off the interest. I got very upset and she said she would transfer me to a specialist. She transferred me to main phone tree instead of a specialist. I waited on hold for a 2nd person who was able to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my credit reports back in XXXX of 2023, and found inaccurate items on my report. So i submitted dispute letters to all three credit bureaus on XX/XX/2023. Advising of the inaccurate information. I have not received any investigation results and it is beyond the 30 days.
Product: Checking or savings account

Bank of America places 4 business days hold on a deposit I made at one of their ATMs. Contacted customer service they cant provide an explanation, they keep saying the funds are not available because house will not release. I made a second deposit on the account on the atm receipt it says there will be a hold for 7 business days because the check will likely be bounced.
Product: Debt collection

XX/XX/XXXX. XXXX and XX/XX/XXXX XXXX XXXX sent a letter requesting verification and validation of account and there was no response. In addition this company is reporting inaccurate information on my credit report. The date of last activity and the last payment date is incorrect and is showing different on all 3 credit bureaus. 
Validation letters was also sent to the 3 credit bureaus and was not verified or validated correctly in XX/XX/XXXX.