23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The options above do not really describe my situation fully so I chose the best option. 
The CCB does not have the correct address for me on file. They continued to deliver mail related to the matter to a family member 's house and other times had someone serve me papers at my employment. They knew I did not live there but made no attempt to get a correct address, therefore incurring more fees for a process server, and making it difficult to follow what was going on with the case. I would get served, but other times, important letters would go to a different address. 
I am a single mother and I receive no child support from the other party. I am responsible for all monthly expenses, daycare costs, preschool costs etc.. with XXXX income. I incurred some medical bills that I just could not afford and therefore the collection company was involved. These medical bills were incurred XXXX. 
I was served with the judgment and when I tried to work something out with CCB they were just downright nasty to me. 
The first time I called them, the amount to satisfy judgment was XXXX. I asked if there was any negotiation or to work out a settlement as I wanted to take responsibility and pay this in full. 
The next day when I called them to follow up, the amount to satisfy judgment was now over XXXX. Later that same day it was back down to XXXX but then they were going to add process server fees to the amount. They knew that I had the amount of cash that was stated in the judgment papers in hand to resolve the matter and refused to work with me. They would not lower the interest rate to make the amount more manageable. They have been very rude and difficult to work with and basically have given me less than XXXX hours to get the judgment paid in full and get the papers to my place of employment to stop the judgment before it hits payroll at my job. 
I am requesting a refund of the interest that was charged in the amount of {$420.00}. These people screamed at me on the phone, hung up on me, when all I was trying to do was find out if they would lower the amount just a little and work with me. And they refused..
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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: Debt collection

It has come to my attention that two accounts, one with XXXX XXXX and the other with XXXX, have been fraudulently placed on my credit report without proper validation or investigation. Both accounts are marked as " charged off, '' but I strongly believe these entries are incorrect and should be removed from my credit report. I have been diligent in maintaining my financial records, and after reviewing all documents, I can confirm that I never opened or owed any account with XXXX XXXX. The only account I had with XXXX was paid off and closed successfully, with no outstanding balances. Furthermore, I have no record or knowledge of a second account under my name with XXXX. 

The absence of proper investigation into these fraudulent accounts is concerning. Under the Fair Credit Reporting Act ( FCRA ), any information reported to credit agencies must be accurate and substantiated. In this case, neither company has provided adequate validation of the accounts in question. It is clear that neither XXXX XXXX nor XXXX followed the required procedures for verifying the accuracy of these accounts before they were added to my credit report. As such, I am requesting that these entries be thoroughly investigated and removed immediately due to their fraudulent nature. 

I understand that errors can occasionally occur on credit reports ; however, the failure to properly validate or investigate these accounts violates my rights as a consumer. This error has harmed my credit standing and caused significant emotional and financial distress. I am requesting immediate action to remove the fraudulent accounts from my credit history and to ensure that no further issues arise regarding these erroneous entries. Additionally, I expect both companies to work with the credit bureaus to correct this matter swiftly and provide written confirmation once the accounts have been removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted disputes to Experian regarding several inaccuracies on my consumer report. According to the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate and verify the accuracy of the disputed items within 30 days. However, despite receiving a notice from Experian with a projected reinvestigation completion date of XX/XX/year> ( see attached dispute results ), it has now been over 30 days since my initial dispute, and no verification or resolution has been provided. 
The disputed items remain on my credit report, and Experian has not removed the inaccurate or unverifiable information, which violates Section 611 ( a ) ( 1 ) ( A ) of the FCRA. This delay has caused significant harm to my ability to access credit and negatively impacted my financial situation.
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 to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 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.
Product: Debt collection

I am the executor of my dad 's estate. He passed away XX/XX/2023. I am working to close out the estate as all that is left is medical bills but this is proving to be very difficult. 
XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX apparently sent bills for my deceased dad to DCM Services to collect the debt on the estate. I've never once receive a bill to his address or mine. They know I am the contact and I've worked with a couple of different departments with no luck. This is fine, but they refuse to give me details. When I have contacted XXXX they have indicated they no longer carry records, they are with DCM Services. My lawyer for the estate has requested detail bills because what they claim we owe does not match at all with the Explanation of Benefits for my dad. 

They send vague letters and an amount and no further details. My lawyer received a letter indicating {$720.00} was owed, the EOB showed {$0.00}. 

Why am I sent to a collections company that has no details when I have asked repeatedly for the bills so I can make payment and compare against the EOB. I do represent my dad.
Product: Checking or savings account

OPEN A BUSINESS ACOUNT WITH XXXX BANK WHICH WAS TAKEN OVER BY PNC BANK. 
I WAS ISSUED A SECURED BUSINESS CREDIT CARD, I WAS TOLD WHEN I USED THIS CARD AND MADE PAYMENTS ON TIME THE BANK XXXX ( PNC ) WOULD REPORT TO XXXX CREDIT BUREAUS XXXX XXXX XXXX XXXX, BUSINESS XXXX AND XXXX XXXX, THIS WOULD ALLOW ME TO ESTABLISH BUSINESS/CORPORATE CREDIT. 
AFTER 2 YEARS OF HAVING THIS ACCOUNT IN GOOD STANDING, XXXX NEVER XXXX MY BUSINESS PAYMENT HISTORY, TO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX LIED TO ME, AND WERE NEGLIGENT, THIS CAUSED MY CORPORATION, TO NOT ESTABLISH CORPORATE CREDIT AND THUS I WAS NOT ABLE TO MOVE FORWARD WITH EXPANDING AND GROWING MY BUSINESS. 

i FEEL I SHOULD BE REWARDED {$25000.00} IN DAMAGES.
Product: Debt collection

These collections agencies are communicating false information. I would like the communication to stop
Product: Credit card or prepaid card

I received a letter from Citi dated XX/XX/XXXX regarding my Citi Thank you Preferred MasterCard credit card account. They stated they were closing the account due to inactivity. They did not contact me prior to closing the account even though I have had this account since XXXX. I last used the card in XX/XX/XXXX and paid that bill on XX/XX/XXXX. I had a XXXX  balance when the account was closed. 

I called Citibank on XX/XX/XXXX and asked them to reinstate my account. The first person I spoke with was based in the XXXX. They wanted my social security number which I declined to give them. Finally they transferred me to an agent in the United States who also requested my SS #, income, etc. and said they would need to run a credit report on me. This is the same as applying for a credit card. It is not reinstating my account which they should have been able to easily do since they just closed it. 

I gave them the information they requested and they will let me know in 5-10 business days if they will reinstate my account, what my credit limit will be and what the terms will be. Meanwhile my credit record will be dinged because they are running a credit report. I have no idea of the terms of the card they will reinstate. 

I feel quite angry that the company did not reach out to me before closing my account which was in good standing. This is no way to treat someone who has had an account with them for more than 30 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX TransUnion XXXX Solutions XXXX. XXXX XXXX XXXX, PA XXXX. 

Re : Account Number : XXXX Original Creditor : XXXX XXXX XXXX  To whom it may concern, XXXX XXXX XXXX XXXX a subsidiary of XXXX XXXX has had 728 XXXX XXXX XXXX Complaints in the last 3 years and 36 complaints filed with the CFPB recently. 

Errors are being made and it is defamation against me which is costing my family money and making me homeless ; my families blood is on their hands and they don't care because I'm just a poor XXXX man. I'm not XXXX though and I will save to fight this in court. 

On multiple occasions I requested proof of this debt with from Transunion. Absent such proof, they must terminate this from my report, and correct any erroneous reports of this debt as mine IMMEDIATELY. 

Their continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from my credit report ITS SO SIMPLE AND SEEMS " FAIR '' AND CORRECT!!! 

This is a request for the REMOVAL OF THIS ACCOUNT FROM MY REPORT! 


I have copied the XXXX XXXX XXXX, FTC & Attorney General of Washington and the CFPB. 

I will be taking legal action against Transunion if this erroneous item is not removed from my report. 


Sincerely, XXXX XXXX
Product: Credit card

Kohls credit card opened fraudulently on XX/XX/year> online. Items purchased were socks, a pair of shoes, and another item I cant remember. They were shipped to an apartment in XXXXXXXX XXXX. I never ordered these nor opened the account. I called Kohls to have the account shut down. They shitnitndown, but continue to contact me about the open balance. I've reported this to the credit bureaus.
Product: Payday loan, title loan, personal loan, or advance loan

Back in XXXX I agreed to pay {$200.00} to pay off my loan completely, I scheduled the payment for the following Friday and was told it would be the final payment. Apparently someone made a mistake and I was only charged my usual monthly payment of {$160.00} not the {$210.00} that was pre arranged. I received a call from crediterium the day my last payment was made and the gentleman told me all payments had been made and i didn't owe anything. Now I have a collection agency calling me saying I owe {$500.00} due to the fact crediterium debited the wrong amount my account was considered past due, mind you I had been told by crediterium the loan had been paid off. This is crediteriums fault because I agreed to pay the {$210.00} but was only charged {$160.00}. They sold the account to a debt collection agency.
Product: Checking or savings account

I have not being able to log into my account. I was working for XXXX XXXX XXXX and I received this pay card which is by north lane and their website and app has been administered by my payment vault which I have also submitted a call too. 

On the bank off the card it says This card is issued by XXXX XXXXXXXX XXXX XXXXXXXX. 

I am not able to log into my account, I have gotten temporary password when I click forgot password and Im still not able to log into my account. I have called in and I received a temporary password and Im still not being to log into my account.

I have been told my accounts been refreshed and reset and try logging in 4 hours. I try in 4 hours and Im still not able to log in. I have been told to call back in two business days and Im still not able to log in.

Im wondering if this is being done on purpose because the bank maybe wants to fraud me of my money. I seen the account has XXXX stars with others persons complaining their money has been stolen.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. 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 XXXX XXXX  XXXX XXXX - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

Well today XXXX XXXX at XXXX XXXX  I received a Notice from a Jefferson Capital Systems LLC . Saying that I owe the amount of XXXX from XXXX XXXX. I don't know anything about this, I never been with XXXX XXXX. 


Thank you
Product: Checking or savings account

On XX/XX/2022 I tried to transfer {$30000.00} from my Marcus by Goldman Sachs savings account, via XXXX to a bank where I have a checking account ( XXXX XXXX XXXX  ). 

On XX/XX/XXXX I logged into my Marcus account to find out that the transfer had been reversed. 

I then called Marcus  to find out why the reversal happened, and over the course of XXXX hours, much of it involving a three-way conversation with a representative from XXXX XXXX XXXX ( where I was trying to transfer the {$30000.00} ), I was told by Marcus, that the transaction was reversed because of XXXX  XXXX. 

The representative from XXXX XXXX Bank told the Marcus representative that XXXX XXXX had no record of any transaction request from Marcus. In fact, on the day that the transaction reversal happened ( XX/XX/XXXX ) there was no one in the department at XXXX XXXX to initiate a reversal - because it was a Saturday. 

During the course of four hours involving four conversations with Marcus  representatives, each Marcus representative, including a supervisor, insisted that Marcus always places a code to indicate why a transaction was reversed. But they had no code, or reason listed, for the transfer reversal. Because there was no code given, Marcus representatives- including a supervisor and specialist- said the fault for the transaction reversal was XXXX XXXX 's. 

I should also mention that three times Marcus representatives hung up - each time the same representative from XXXX XXXX remained on the phone line with me. 

In summation, it seems as if Marcus by Goldman Sachs is refusing to admit any error in the reversal of the initial transfer ( XX/XX/XXXX ). 

I should also mention that on XX/XX/XXXX I did ask for a wire transfer - and a Marcus representative expedited that transfer, but I was charged {$16.00} for it. Marcus refused to pay the {$16.00} fee. And Marcus kept on insisting they bore no fault for the earlier transfer reversal of XX/XX/XXXX. 

I am left wondering how can Marcus claim no responsibility for the transfer reversal when XXXX XXXX clearly stated they never received the transfer request, and that no one at XXXX XXXX was in the office to even consider a reversal on the day the reversal was made.
Product: Mortgage

I started a refinance application with Huntington in XX/XX/2021. As part of that application I had to pay {$400.00} towards an appraisal fee. I was told that I would receive a refund/credit of that when I closed. The appraiser that Huntington provided did an extremely poor job XXXX the appraisal took place on XX/XX/2021 ), which resulted in Huntington not fulfilling my request to consolidate my first and second in the refinance. I provided supplemental information ( including a Realtor report with more comparable properties XXXX to Huntington from XX/XX/2021 through XX/XX/2021 that supported a higher appraisal value. Huntington denied my appraisal dispute and I requested a refund for the appraisal amount. Huntington never fully responded to my request for that refund and, I believe, wants me to just go away without providing me a final response. Huntington used deceptive practices with their application process and the use of the appraisal fees. Through the email and verbal communications leading up to XXXX XXXX Huntington was pushing a narrative that the fee would always be provided back to me.
Product: Debt collection

I requested that they provide the following information : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A detailed account of the charges that led to the debt, including any interest, fees, or additional charges.

4. Documentation that proves they have the legal right to collect this debt.

5. A copy of the original signed agreement or contract that establishes my obligation to pay this debt.
Product: Debt collection

Switched mobile carriers years ago from XXXX to XXXX. My bill was supposed to be paid by XXXX then they charge me. Now a company XXXX XXXX is continuously selecting my efforts to resolve this. 

Last four of my SSN is XXXX Website wouldn't let me enter it in the box it said to.
Product: Vehicle loan or lease

This complaint is against GM Financial, the original lien-holder on a vehicle that I owned and sold to my company which took out a loan with XXXX XXXX  for purchase of the vehicle.

This sale happened about a year ago, and since then XXXX has been trying to assist in getting the new title/title updated. I was sent a lien release letter ( attached ), but Michigan Secretary of State will not accept it as it is " not an official lien release letter with a signature. '' It seems as though GM Financial claims this was sent to XXXX, which could be true, but it was never located. XXXX and myself have been trying since then ( for about a year now ) to get the proper lien release letter so the title can be reissued properly. I have contacted GM Financial multiple times, but though they said they have sent it or will send it no one has received it yet. 

The person assigned to help me at XXXX, my XXXX bank XXXX  XXXX, and others at XXXX as well as myself, have been attempting to get this with no success. I was told by the branch XXXX that he has never seen anything like this in XXXX  years. 

I am deeply concerned that we will run into issues when our company needs to sell this vehicle in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN DISPUTING AND REQUESTING FOR VALIDATION FOR THIS ACCOUNT FOR OVER 280 DAYS. THEY HAVE FAILED EVERY TIME TO SEND ME ANY SORT OF DOCUMENTATION PROVING THIS IS MY ACCOUNT IN ANY WAY. I HAVE REQUESTED THAT THEY REMOVE THE ACCOUNT FOR FAILURE TO ABIDE BY THE FCRA. THE LAST TIME I SPOKE WITH THEM THEY TOLD ME IT WAS REMOVED AND THEY WERE NOT REPORTING IT. THAT WAS A LIE. THAT WAS OVER 60 DAYS AGO. THEY HAVE NOT COMPLIED BY THE LAW AND REFUSE TO REMOVE THIS FROM MY REPORT MY LAST LETTER STATED This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days or more, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, & XXXX continue to violate my consumer rights under the Fair Credit Reporting Act. There are several names and address listed that do not belong to me. I have previously disputed this same information with the consumer agencies and they have claimed to have verified the information and it will remain. I didnt receive any documents or further explanation as to what they used to determine the information was correct. I would like each consumer agency to accurately reflect my information so that I am not denied for credit which is also a violation of my rights. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX  there should be no other information listed on my consumer report.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

I received a call from Portfolio recovery on XX/XX/2018. the representative failed to give proper XXXX XXXX and said out loud the last four of my Social security number before verifying my identity.