23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contracted with XXXX XXXX XXXX for a roll off XXXX bin to clean up property due to moving. I paid a neighbor to fill the bin with his loader. After filling the bin I called XXXX XXXX to inform them it was ready for pickup. The driver of the roll off truck exited the property out the back gate to the XXXX XXXX next to a XXXX XXXX XXXX drainage ditch. The driver then proceeded too close to the drainage ditch and almost tipped over due to the soft dirt. This all was witnessed by my friend my neighbor who loaded the bin. He had to move the bin back to my property with the loader. He had no problems moving the bin. Which tells me the XXXX XXXX driver was inexperienced and so they want to charge me for multiple trips due to their drivers error. This amounts to fraud in my mind since they're charging me for their mistakes. I did move out of state, but I'm not trying to dodge my responsibility to pay what I legitimately owe, I always pay by debts when the debt is truly mine. The multiple trip charge is {$150.00}, and the interest they say is $ XXXX XXXX also wants to charge me " Hard to Handle Fees of {$150.00} which is also questionable. I am willing to pay actual verifiable charge but I refuse to pay for mistakes made by their driver. I have already paid {$1100.00} towards this debt. I am willing to pay {$700.00} to settle. This amount is minus the hard to handle fee and multiple trip charges and bogus interest charges which I consider in error.
Product: Credit card or prepaid card

Approximately two weeks ago, after my spouse left I discovered that a Chase account was opened by my spouse, in my name. I immediately called Chase to report the situation as well as report the card in my name was missing. My spouse had named himself as an authorized user on the account. It took over two hours before I was able to speak with a customer service representative. At that time, I also requested that any online access for the account to be reset. Due to that request, I was passed around from representative to representative for almost three additional hours before I was disconnected. 

I have tried to reset the account myself online, but the phone number and email address listed as security verification for the account have not been valid since 2010. Therefore, I can not access the account online. I have since called Chase four times trying to get this issue resolved. I have been passed along from representative to representative, held for multiple hours, been told that it could not be done, and then disconnected each and every time. 

I am trying to simply gain access to the account in my name and on my credit report, but can not get assistance from Chase customer service representatives. Can you please have my online access deleted so I can start fresh with the correct email address and cell phone number so I can get statements and figure out what is going on with this account?
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended this college with graduating with an XXXX XXXX. When enrolling it was stated and promised that Anyone could transfer credits at anytime so if I decided to continue my education at another college that offers XXXX Id be two years ahead of the game. I originally enrolled early XXXX. Which I was charged for being on day 3 in my 3 classes, which is the 3rd week since each class was only one day a week. They refused to help me. I was 4 months XXXX and on the verge of XXXX  my child. They made me either drop out and pay before coming back or fail and pay towards loan. That was my only two options. I chose to fail so I could come back after my abrupt medical leave. Went back re enrolled XXXX, same statements and promises applied with transferring credits, and promised landing a job right after graduation or sooner with the degree earned. I finished in XXXX graduated and since I was hired through my internship I never got to find out myself that they didnt help others. However, almost XXXX dollars in debt later. My credits dont transfer to any other school. Going back Id have to start all over unless I went back to The same school. Which now its closed permanently and the next one is no where close to me. XXXX was being sued by common wealth of KY a few years ago for the promises made to the students who attended between XXXX and a few years later for false information. I now have almost XXXX in debt to go nowhere. I cant get another loan to start all over again. I cant afford that. 2 years wasted with a degree thats just a piece of paper. I dont think its far I owe all of that for a piece of paper. Department of education/nelnet should consider an early forgiveness since common wealth suing didnt help the students who were effected by this. I want to be set free from this loan that is useless.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me 120 days on the XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX ( pages 4 - 8 on the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be late on accounts with a {$0.00} balance and {$0.00} past due.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before it is shown to anyone else, because if not, then there will just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately. Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both XXXX XXXX standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. If you do not take action and comply with my request, I will have no choice but take legal action against you! 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form SEQUIUM ASSET SOLUTION ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX charged my checking account on XX/XX/XXXX via mobile app 5 times, without proper authorization. Bank refused to investigate properly to return funds. According to the XXXX, the means that XXXX used for " authorization '' were not met, and I did NOT authorize payments. No documents were provided showing I authorized payment ( s ) following the guidelines set in the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX XXXX on XX/XX/2014 and I set up an autopay on the account. The last payment that I made was on XX/XX/2014. Per the FCRA guidelines, an account can only be reported to the credit bureaus for 7 years from the date of first delinquency on the account. I filed a dispute with XXXX and XXXX because they were incorrectly reporting the date of last payment on my account. From my understanding, the company continued to try to debit from a checking account that was no longer being used and therefore no longer valid. The company was trying to say payments were being made even though the payments were returned for a period of time. I submitted a dispute to request that my last payment accurately reflect my ACTUAL last successful and received payment. The company did an investigation and indeed updated my date of last payment to XX/XX/2014. Based on this update, this account is required to be deleted from my credit report because it has been 7 years from the date of last payment. Ive disputed multiple times and even though the date of last payment is now accurate the company refuses to remove and delete the account from my credit report. Ive spoken to XXXX and to XXXX and keep asking them to remove the account from my report being it is now older than 7 years. I am filing this complaint as a last means to have this information deleted. If it is not, I will file contact the States Attorney General and have to involve a lawyer. Please see attached dispute results. You can clearly see that the investigation updated the date of last payment to XX/XX/2014. This means that this account MUST be deleted since it is 7 years past the date of last payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and this account from XXXX XXXX XXXX, XXXX is unfamiliar to me. I don't know this account and I have filed an FTC report and I will attach it here.
Product: Mortgage

undisclosed fees from my mortgage company showed up on a statement, when I called to question them .... they said they were fees dating back since 2011 for driving by my home to see if it was still occupied even though I have always made the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my XXXX account was used fraudulently to make dozens of purchases online. I was XXXX overseas so I wasn't able to call Capital One to dispute the charges so the account remained with a high balance and missed payments piling up When I returned I immediately called Capital One and they removed the fraudulent charges and sent me a new card. They said they'd remove the 4 late payments since it was directly caused by fraud but it was never removed. I've sent Capital One multiple letters to remove the inaccurate late payments for XXXX, XXXX, XXXX and XX/XX/XXXX but they only tell me the information is correct.
Product: Credit card or prepaid card

Barclays Bank XXXX XXXX XXXX XXXX, DE XXXX On XX/XX/2022 I used my credit card as defined under the 15 USC 1602 ( a ) ( l ) to extend myself credit through Barclay Bank for JetBlue Card. I do not understand why a denial occurred because I act on good faith and good credit.

I believe this is discriminatory and unlawful pursuant to 25 USC 1691 ( a ) ( 3 ). As a consumer and creditor, I extended my credit, you did not ask me for my credit report as the one with first hand knowledge of my credit worthiness. I DID NOT benefit from extending my credit to you as the consumer and cardholder.

I believe that this is an error Barclay Bank can fix. To preserve the judicial economy and save us both time and money in court. Barclay will remedy this error by : Issuing a credit card for {$20000.00} Barclay Bank JetBlue Card sent to the contact information/address stated on the credit card application. 

I look forward to hearing from you within 30 days, pursuant to federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. I submitted a complaint again last XX/XX/2023 but it was closed immediately. This is why I'm reaching out again regarding these fraudulent items and for assistance to REMOVE them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) : This debt has been reported without my knowledge, consent, or any permissible purpose under the law.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Merchants & Medical Credit furnished inaccurate information to consumer reporting agencies, knowing or having reasonable cause to believe that the information was inaccurate.

15 U.S.C. 1681 Section 602 ( a ) : I have the right to privacy, which has been breached by this unauthorized and incorrect reporting.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) : A consumer reporting agency is not allowed to furnish any account information without my written instructions. I never authorized this reporting.

15 U.S.C. 1692g : I was never notified in writing within five days of this account being placed on my credit report, as required by law. Additionally, I have observed inconsistencies in the information being reported by Merchants & Medical Credit, XXXX, XXXX, and XXXX. These inconsistencies include differences in the reported payments, balances, open dates, and closed dates, further confirming the failure of Merchants & Medical Credit to properly verify the debt before reporting it., my family member, who shares the same name and resides in the same household, has this same account with the same name and account number listed on her credit report. However, we do not share the same Social Security number. This raises serious questions about the accuracy and legitimacy of this reporting. 
. I have previously been a victim of the XXXX, XXXX, and XXXX XXXX XXXX data breaches, which could have compromised my personal information and contributed to this situation. Therefore, I kindly request that this error be corrected and that the account is removed from my credit report. I trust the collection agency and credit bureaus will address this issue by deleting the account from my reports.
Product: Debt collection

This account is incorrectly being reported as a collection account with a balance past due. Please provide proof of the collection and update the balance to {$0.00} or delete the negative payment status on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau XXXX was hacked late XX/XX/2018 and failed to provide notice of compromised accounts. Disputes of inaccurate information still being validated when they know information has been compromised. 
Transunion dispute has been on going for more than 6 months with no response from the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I gave XXXX XXXX XXXX permission to run a credit report in order for me to finance a used vehicle. 

On XX/XX/2023, XXXX XXXX XXXX made XXXX unauthorized hard inquires to bank to XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX apparently to get me a better rate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized inquiry that has appeared on my credit report. Upon reviewing my credit report, I discovered an inquiry that I did not authorize or initiate.
Product: Debt collection

I had already disputed this collection about a month ago because XXXX XXXX  is using a threatening tactic when it comes to collecting. i was contacted several times by different people saying they were lawyers working with XXXX XXXX  and were ready to take me to court.They said to just pay them off and not waste my time hiring a lawyers because i was going to spend more money hiring a lawyer and court fees, i was better off just paying them the money and if not they would start to garnish my wages.
Product: Debt collection

I am writing to formally dispute the reporting of an alleged medical debt under {$500.00} on my credit report. I have become aware that the Consumer Financial Protection Bureau ( CFPB ) has instituted a new rule that prohibits the reporting of medical debts under {$500.00} on consumer credit reports. Unfortunately, it appears that your company is violating my consumer rights by continuing to report this debt. 
The account listed below is showing an alleged balance of {$260.00} on my credit report. 
Under the CFPBs new rule, which took effect in XXXX, medical collections under {$500.00} are no longer allowed to be reported on credit reports. 
As stated in the article published by the CFPB on XX/XX/XXXX : Two-thirds of medical collections on credit reports will no longer be reported. 
Starting in XXXX, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. 
For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting. 
This new rule clearly applies to the debt listed on my credit report, and I request the immediate removal of the following account ( s ) from all consumer reporting agencies :
Product: Credit reporting or other personal consumer reports

XXXX XXXX failed to report accurate information to the XXXX major credit reporting agencies after submitting several disputes. Online portal fails to provide detailed account information referring to days past due on such loan which also include company representative providing false information regarding account status. XXXX XXXX offers unfair and deceptive loan servicing practices. Company failed to provide detailed information regarding accurate payment history. I am requesting XXXX XXXX to remove all derogatory marks from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$880.00} ; XXXX  XXXX XXXX Balance : {$7700.00} ; XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$520.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX : {$8500.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} ; ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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

Trans union is reporting over XXXX fraudulent transactions Resulting from that identity theft. I have decided this Dispute this matter Several times every times.And also sent FTC report and requesting that all inquiries be delete it
Product: Checking or savings account

A fraudulent account was opened in my name. At the 1st try, on XX/XX/XXXX, XXXX, the company refused to close the account because I couldn't provide the information the theif used to create the fraudulent account ( like favorite color, or date opened ). I then involved my ID theft services. We called them on Friday, XX/XX/XXXX, on a recorded line, where they stated they found the account and would send a written confirmation on the closure to my email address. They promised I would only get 1 email confirming the account closure. Subsequently, I've
received 3 emails from them ( XXXX, XX/XX/XXXX & XX/XX/XXXX ), XXXX asking about " issues '' with my account, and 1 is a customer service survey request. 

I called them again today being concerned the account wasn't actually closed, again on a recorded line with my ID theft services. The agent refused to confirm the account was closed, claimed there were no accounts on file, refused to transfer us to a supervisor, and directed us to the FTC.
Product: Checking or savings account

Flag Star Took over a non funded in good standing account and then ran up " maintenance fees '' to over {$100.00} in a predatory manor that not only was done with out my knowledge and are working in affilation with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX