23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Refunded an item with an XXXX vendor. It didn't go through. So spoke with an XXXX   vendor who tried to refund the charge, but it did not go through for whatever reason. I talked to XXXX but they were not sure why it did not go through and said to contact my bank or credit card company I made the transaction with. 

Called Capital One in XX/XX/XXXX or XX/XX/XXXX regarding a dispute with a transaction.They handled it well. Unfortunately, on there end they got the wrong charge and instead of crediting {$99.00}, they credited XXXX. First mistake. So they adjusted it later and everything was fine, until ... 

The charge came back in the form of a " transaction rebill ''. I called them to dispute it. That's when they made several more mistakes. 

XX/XX/19 Called Capital One Spoke XXXX, an " Account Specialist '' Explained simplistically as possible, the issue. They said they would handle it, that everything would be adjusted by next statement. 

Instead I received another form letter on XX/XX/XXXX-XX/XX/XXXX ( I was out of country ), telling me the dispute is closed. The letter referenced the wrong charge. It referred to the original wrong amount of {$96.00}. Not the correct {$99.00}. My account has been credited {$96.00} again, instead of me receiving a check for {$99.00}, as they said I would over the phone. 

XX/XX/19 I called Capital One again. I got XXXX, an Account Supervisor. I explained the ( now ) long story and she did not understand how they were in error still. She assumed that the account is balanced and there is no further action on their end. She insists the math adds up, but when I explained it, it still is missing {$3.00}. She was unable to explain where my account was balanced. They said they had sent a check, but they did not, so that was a lie. They said it was credited but they failed to explain where. They insisted the {$3.00} balanced the account, but they could not explain. Maybe they fixed it, I can't tell, because they don't know what's going on their own system.
Product: Debt collection

A lady from XXXX capital called today, XX/XX/year> said I owed XXXX XXXX and something dollars. I informed this lady that the state of limitations has passed, I've been a victim of thefts, and they had no legal, moral or ethical right to XXXX  me. I requested verbally that they stop contacting me as I am not liable for this old said debt. I feel XXXX. XXXX  and phishing tactics are illegal. I am offended. Stop means stop, just as no means no. This is not my first encounter with this organization nor is it my first complaint. To what extent will it take for someone to enforce the law. The phone number that came across was XXXX. I suggest these people obtain an education and leave me alone. I have a legal right for these persons by state statue to stop XXXX  me.
Product: Credit card or prepaid card

I called capital one and explained we were in COVID and XXXX XXXX was shut down. I didn't have the money for my payment. They told me they would defer it because of the pandemic. I noticed a late on my credit report that they told me would not be there. I have now caught up on my payment and don't know why i was dinged - I am on auto pay. 

this is outrageous. We are in a pandemic. 
My account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Foster and Monroe, LLC bought an old debt from XXXX XXXX XXXX, on which the statute of limitations ran in XXXX. They then re-aged the debt and reported it as current. XXXX  said they " verified '' the account as accurate, but they did not take into account it was a re-aged debt, and no proof was provided to me that I owe the debt.
Product: Credit card or prepaid card

So i had my credit closed out of nowhere. Then when i went to check at the bank the person that helped me said to make sure if every information of mine was right and i saw they had my social security number wrong. Now i was using this card under a different social so i dont know how this happened and i am trying to build my credit as i just turned XXXX. I still have my other account with bank of america ive been with XXXX since over a year now
Product: Credit reporting or other personal consumer reports

I have had a credit account with Seventh Avenue and all of their sister companies several year and they have always been in continuous good standing all along. I tried to change the due date because it was in the later part of the month, because Im on a fixed income that comes on the 3rd, I like all my bills paid at one time..because of a memory issue due to an accident.. I will forget them if theyre spread out throughout the month. It just works better for me. This turned out to be a real problem and my account fell behind a few days but I caught it up. XXXX was going fine, then they started canceling all my orders and I noticed I did not have availability anymore. So I called and they explained to me that they run my credit every so often and because I have other defaults with other creditors, they can no longer provide me with credit. My husband was killed in 2019 and left me with a mess, but these accounts stayed in good standing. I explained this to them in tears but they stood their ground. They ruined my grandsons XXXX.
Product: Credit reporting or other personal consumer reports

I am reaching out for help regarding the inaccurate account listed on my credit report. This issue has negatively impacted my reputation as a customer, and I ask for these accounts to be removed due to their incorrect and harmful reporting.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX  XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Inquiries : XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a Forbearance Program with my mortgage servicing company, Rushmore Home Loan Services Corp. for XXXX, XXXX and XX/XX/XXXX. I have paid Rushmore Home Loan Services on time and the full monthly mortgage amount from XX/XX/XXXX through XX/XX/XXXX - eight ( 8 ) full months, which included the payments for the forbearance months of XXXX, XXXX and XX/XX/XXXX. On or about XX/XX/XXXX, Rushmore transferred my loan to XXXX XXXX XXXX. I made my XX/XX/XXXX mortgage payment with the new XXXX XXXX XXXX. 

After numerous requests via phone to customer services, and a written request sent to them in XX/XX/XXXX, which they acknowledge receipt of ( attached ), Rushmore has still not correctly reported the eight full payments made on time to the three Credit reporting bureaus - XXXX, XXXX and XXXX. I am requesting that the reports be properly updated. At this time, Rushmore no longer services my mortgage, and I believe they just don't care. Attached is Rushmore 's acknowledgment off my request for credit reporting accuracy.
Product: Credit card

Opened a Best Buy Citibank credit card through my mother-in-laws Best Buy account using my Social Security number as I needed the credit card I needed to order a refrigerator immediately as mine was down. I am unable to set up auto pay and it says to call. I received the card today and it will not activate online when I tried to call. They were unable to verify me, but did not even ask for a Social Security number they asked for a phone number to which I provided both options. The representative was useless. I also asked for a supervisor who was also useless and said Citibank would call me within 10 business days. How am I supposed to pay a bill When I cant login or activate my card they said I can call and manually make a payment OK? So you will gladly take a manual payment but will not tell me why you can not verify my account and tell me what the issue is. You were able to use my social to open the account but now you can not help me to activate this account. Shame on Best Buy and Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting

I want the XXXX accounts with XXXX XXXX to be removed.
Product: Debt collection

I am filing this complaint against Media Collections , Inc. DBA XXXX XXXX XXXX XXXX XXXX for their blatant and egregious violations of my rights as a consumer. Despite sending a cease and desist letter to this company on XX/XX/year>, they continue to harass me and my family members, often before XXXX XXXX, with threatening, rude, and offensive language. This behavior is not only unprofessional but also illegal. 

I demand that the CFPB intervene immediately to investigate this companys actions, including obtaining recordings of their calls, as they have refused to comply with the law. They are violating the cease and desist order, and legal action is forthcoming if this harassment does not cease. 

I have no knowledge of the alleged debt they are attempting to collect, and despite repeated requests, they have failed to provide any proof of their authority or legitimacy to collect this supposed debt. I have formally requested the following items from them, and they have failed to respond within the legally required XXXX timeframe : A written agreement with their client granting Media Collections , Inc. the authority to collect this alleged debt.

A Forward Flow Agreement regarding this account. 
A signed agreement between myself and this company, or verifiable proof that I have a contractual obligation to pay them. 
Any agreement bearing my signature showing I agreed to pay the original creditor. 
Confirmation of whether any insurance claims have been made by a creditor regarding this account. 
Confirmation of whether any judgments have been obtained by a creditor regarding this account. 
Furthermore, I request the name and address of the bonding agent for Media Collections , Inc., as this information is necessary for the legal actions I intend to take. 

Their refusal to provide the requested documentation, combined with their harassment, strongly suggests that this company operates in bad faith. I demand that the CFPB hold this company accountable for their illegal practices and ensure that they are penalized for their blatant disregard for consumer protection laws. 

This companys actions are beyond unacceptable, and I will not tolerate further harassment or abuse from their representatives. Please investigate this matter urgently and take appropriate enforcement action.
Product: Debt collection

After numerous of harassment calls from Portolifio Recovery I was never aware who they bought/received my information from without my consent. I responded with an answer but never heard back since. I'm asking to have this removed off my credit report since I did my part in answering & never got a response back or proof of me agreeing to repay through their agency.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. CREDIT REPORTING AGENCIES CONTINUE TO REPORT INACCURATE INFORMATION. NOT PERFORMING INVESTIGATION AS STATED. RE-ENTERING PREVIOUSLY REMOVED ITEMS. AGENCIES CONTINUE TO REPORT CHARGEOFF ACCOUNTS IN WHICH NO XXXX AS BEEN RECEIVED WHICH MEANS THE REPORTING IS INCOMPLETE, INACCURATE, INVALID. ACCOUNTS NEVER VALIDATED. AGENCIES CONTINUE TO REPORT MEDICAL ACCOUNTS. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXX XXXXXXXX {$570.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$5300.00}, 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

I have recently noticed on my credit report ( s ) that information specifically inquired about information was reported I do not recognized. Several times I have enquired about these inquiries to the bureau 's to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my A-PLUS report from Verisk and learned that it had been used against me by an insurance carrier. The documents that came with the report directed me to call the Verisk customer inquiry center if I wanted to open a dispute regarding inaccurate information. I called the Verisk customer inquiry center and spoke to Angelys who refused to open a dispute, stating that if I wanted to dispute something on my report I had to contact the claims department of the insurance company myself and have them tell Verisk to remove the information from my report. Verisk refused to accept my dispute request, in violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

please be advised that experian, and transunion and XXXX has the following collection account : ( XXXX ) absolute resolutions i is reporting this unknown collection account on my credit report- balance of XXXX i never had any account with this company and requested the credit reporting agencies to delete the account from my credit reporting file. it should be noted that this inaccurate reporting has affected me greatly. please delete account immediately. 
( XXXX XXXX XXXX XXXX XXXX also incorrect data being reported by the same credit reporting agencies. they has not reported XXXX account history as 100 % accurate, please delete account from my credit file because it has stopped me from getting credit from a potential creditor.
Product: Debt collection

I believe the account is invalid. PORTFOLIO RECOVERY ASSOCIATES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 


PORTFOLIO RECOVERY ASSOCIATES XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX ), XXXX XXXX ( Account Number XXXX, Open Date XXXX XXXX, XXXX, Balance : {$1000.00} ), Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$650.00} XXXX XXXX XXXX XXXX  ), Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$490.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit ran today XX/XX/20 because I'm in the process of buying a house however, I was told that I would not qualify for a home loan due to having accounts with negative history appearing on my credit. I wasn't aware that these accounts were on my credit report because I didn't open any of them. The accounts are from these companies. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX. I do not have any written or verbal contract with any of these companies nor did I ever allow them to access my credit. I did not gain anything from these accounts that were opened in my name without my permission and I did not make any payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Product: Debt collection

I originally filed a complaint against XXXX XXXX XXXX XXXX regarding this debt, and figured it had been resolved. I now received a letter from another collection agency on XX/XX/2023 for this same debt. this company is named JP Services. I had contacted the hospital when received the original collection letter from XXXX XXXX XXXX XXXX, as well as an itemized bill. they received all payments, it's just how the hospital applied such payments. I have written the hospital again, as well as emailed the billing department regarding this debt. It is not owed, the hospital knows this, but refuses to rectify the billing error, and or contact their outside agencies that this bill is paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX US Dept ED Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

I graduated in 2010 and could not find a job in my field right away and could not afford the payments with XXXX, then my loans were transferred to Navient. With Navient I got a new billing system and a new website and they put me at I wanted to make payments but was told I could just go into forbearances until I was able to pay the amounts. I wanted to make payments but simply could n't afford the rates they wanted so I went into forbearance multiple times. I recently had a discussion with a co worked who has student loans through Navient and she had the same complaints I did and expressed the same feeling of never being able to pay them off. I am finally at a job where I am getting a steady income and now I am paying as much as I can. I then had an issue where the company I work for could not pay me on time so I wanted to make a payment but was n't sure when it would withdraw. The lady I spoke to recommended a short forbearance and mentioned that the principle would go up. still. This is the first time I can ever recollect being informed of this. I then got to looking and noticed that yes even though I am paying $ XXXX a month my overall balance is only going down maybe {$4.00} a month. If I had known before that my principle would still go up I would have found another way to pay ( like I wanted too ) instead of going into forbearance so many times like they recommended. I work XXXX hours a week and want to pay my debt off but it seems impossible at this point and I do not understand why a company would work against people who are trying their hardest to pay their loans off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for extra protection on my account. If anyone attempt to pull my information due to obtaining any credit, it needs to be verified through me with my phone number. I noticed after checking my credit report that there is still fraudulent inquiries on my report. My identity was in jeopardy about 3 years ago. Once my vehicle was vandalize and my property was stolen during my attendance of Sunday service back XXXX. I reported everything to local police. My personal information and expensive military equipment was taken. Ever-since XXXX, I've been having problems with my credit reporting. 

On my equifax report there are 4 inquiries on my report that the representative refuse to open up investigation on. I call and get a disgruntle worker 90 % of the time. There is a new inquiry posted lately. Nobody called me to verify anything. Why opt into extra security when that doesn't even protect you. Please get this Credit reporting agency to do their jobs. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX just posted XXXX XXXX XXXXXXXX, and they never offered me the free protection I was suppose to receive when my identity was jeopardize back in XXXX.
Product: Credit reporting

Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX. Also, by Experian Credit Reporting Agency and XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Experian aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. '' I am in need of another Investigation to remove them from my credit report please.