23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hello, on XXXX I made a purchase on XXXX for {$350.00}. I used my PayPal extra Mastercard to pay for the item. Seller uploaded a tracking number, that I have later found out was bogus. The item showed delivered. XXXX would not step up to resolve the issue stating I had to wait XXXX days for the seller to respond ( giving them plenty of time to steal my money ) so I disputed the charge on my credit card as item not received PayPal then closed my case because of the tracking number provided by XXXX. I called their fraud department which told me I needed to provide proof. I went to the local post office and spoke with the post master there. She was very nice and helped me get a copy of the address label with my tracking number. It showed being delivered to a different address than mine in my zip code. I followed PayPals direction and submitted it as evidence. I waited for a week and never heard anything, no email no return call, nothing! So I call them again and they tell me the case is closed. I beg them to have a person actually look at my file and they reopen the case with the new info. I wait two days and call back. This time I am told that the case was ruled in my favor, and that I will actually see a refund in 24 hours. Great! 24 hours goes by and nothing. I wait three days to call them a 4th time, and this time I demand a supervisor. I waited on hold for an hour. I speak to the supervisor explaining what happened and ask why I was lied to. She claims that the case was changed to item was different than expected so they closed it. She reopens the case again and says it will be reviewed by her team. On XXXX I got an email stating that the case was closed, you guessed it! Because XXXX providing a tracking number! I called them today XXXX and waited on hold for XXXX minutes and was hung up on. I am making this complaint because I am sure I am not alone and also this is a case of a federal crime, mail fraud, and should be taken setiously
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was closed on XX/XX/2002. Over 21 years ago Paid as agreed XXXX balance
Product: Debt collection

My younger brother has a habit of giving my address and phone number when he goes to the hospital. This has happened sporadically in the past. I do not know his present address of phone number. 

About a little more than a month ago I had a call left on my answering machine from HHGR, Healthcare Revenue Recovery Group. LLC saying they were trying to collect a debt. I deleted the massage. 

About three weeks ago, the same message was left on my answering machine with the same message. I called the number and explained to them that the phone number they were calling was not my brother 's number. I also explained that I do not have any information about where he lives of a phone number for him. They assured that I would not be contacted again. 

On XXXX, XXXX/XXXX/2015, a call was left on my answering machine from HRRG saying they were calling to collect a debt. Since HRRG 's representative I talked to assured me that I would not be contacted again by them, I consider the last call from them nothing more that harassing a third party.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$620.00}. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$380.00}. 

XXXX XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$59000.00}. 

XXXX XXXX Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
I couldn't apply for any loans because of the negative items list on my report that shouldn't be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX   XXXX XXXX, XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX AKA XXXX XXXX ) XXXX , XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX ) XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED THIS COMPLAINT A FEW TIMES AND EXPERIAN AND XXXX REFUSE TO FIX IT. ON ONE OF MY CREDIT REPORTS, I BELIEVE IT IS EXPERIAN THEY EVEN SAY " THEY CAN NOT VERIFY THE INFORMATION '' BUT THEY STILL LEAVE IT REPORTING NEGATIVE ON MY CREDIT REPORT. XXXX XXXX IS BEING LISTED AS A SERIOUS LATE PAY AND IT IS HURTING MY CREDIT WORTHINESS. I SUBMITTED THE COMPLAINT TO XXXX AND THEY RESPONED TODAY BY REMOVING IT AFTER AN INVESTIGATION WAS DONE AND THEY COULD NOT VERIFY IT AS BEING LATE. THE LAW SPECIFICALLY SAYS IF IT CAN NOT BE VERIFIED WITH DOCUMENTED PROOF THAT IT NEEDS TO BE REMOVED. I AM ATTACHING PHYSICAL PROOF FROM XXXX THAT THEY TRIED AND WERE UNABLE TO VERIFY IT SO THEY REMOVED. IF XXXX XXXX DID NOT RESPOND TO THEM THEN THEY ARE NOT RESPONDING TO THE OTHER BUREAUS. I AM DEMANDING THAT THE NEGATIVE REPORTING OF XXXX XXXX BE REOVED FROM EXPERIAN AND XXXX XXXX SYSTEMS IMMEDIATELY. THEY HAVE NO WAY OF VERIFYING IT BECAUSE IT WAS NEVER LATE. THIS IS MY 10TH TIME TRYING TO GET THEM TO EITHER VERIFY AND SEND ME DOCUMENATION FROM XXXX XXXX OR REMOVE THE ITEM. THEY ARE INTENTIONALLY PUTTING THIS ON MY FILE TO HURT ME AND THAT IS AGAINST THE LAW. REMOVE IT NOW, AND DO NOT PUT IT BACK ON. SEE THE ATTACHED PROOF THAT XXXX INVESTIGATED AND COULD NOT VERIFY AND IF THEY CAN NOT THEN YOU CAN NOT.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX  XXXX ( XXXX  ). 
XX/XX/year>. 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting

My insurance premiums are based in part on my credit score. My most recent premium statement showed a drop in my credit score from XXXX to XXXX and a drop in rating from XXXX to XXXX. This results in a higher premium. As instructed, I have contacted my insurance company and XXXX. I was told that they only know what Experian tells them. I was able to get a copy of my credit report. I was not able to submit a dispute, because the information on my report seems to be correct. It does not however, seem to support the reasons for the reduction in my credit score. I am going to contact my agent, and start another lap trying to get information that no one seems to have.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, My name is XXXX XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of Identity Theft, and my personal information was used or tried to be used to obtain services and goods without my consent or permission. I request that the following information listed in this report and this statement be removed immediately. 

ACCOUNTS : XXXX  INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have limited exact dates of transactions as the company XXXX XXXX XXXX closed in XXXX of XXXX. I purchased several packages from XXXX XXXX XXXX for XXXX XXXX XXXX between XXXX and XXXX. Over those 4 years I paid XXXX XXXX XXXX approximately {$6000.00}. In XXXX when my services ended without being complete I stopped paying XXXX XXXX XXXX as they closed. When I stopped paying I was sent letters from Comenity Bank asking me to pay my balance. I explained to them several times that I do not owe the debt as my treatments are incomplete and in fact I felt as XXXX XXXX XXXX  owed me money. I paid thousands of dollars and still have incomplete treatments. XXXX XXXX XXXX agrees to continue treatments until all hair is gone. They discuss that it can take years of treatments. I did as Comenity asked me to do regarding disputing the charges. I sent them letters expressing that I dispute all charges. I told them I could not get exact transaction dates as XXXX XXXX XXXX is closed. They did not accept my dispute and have continued to harass me. I am now being sued by them. Comenity is claiming I owe them {$2800.00} however with interest and fees they are now suing me for {$4200.00}. They have hurt my credit and I am so stressed. I do n't understand how a bank can harass and force people to pay for services they did not receive. I obviously did not get the services as the place closed. As I have told them I would pay if I received the money or the service but I did not. How can we as consumers trust the stores we purchase things from if this is allowed? If I want to apply at a store for credit for floors I will not ever want to do that. What if they close before I get my floors and I have to pay for them anyway? I think this is a scary precedent to set, that banks can collect money despite no serve or product being rendered. The definition of purchase is to by a product or service. I purchased nothing. I should owe nothing. I am also assuming that Comenity Bank received large payments from XXXX XXXX XXXX when they filed chap XXXX or XXXX. XXXX XXXX has my services and my money not me. Comenity is harassing the little person in this and I am beyond angry. I have also complained to Better Business Bureau and the Attorney General 's office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received bills from XXXX XXXX XXXX XXXX XXXX Hospital ( original creditor ) for medical services I  received in 2019. I spoke with the billing department several times and this issue was resolved ... my medical insurance paid this bill. I checked my credit report and learned that there's an open collection from AMCOL SYSTEMS INC ( new creditor ) for this same medical bill. AMCOL SYSTEMS INC never contacted me about an outstanding balance, but posted this on my credit report.
Product: Credit reporting or other personal consumer reports

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MADE ARRANGEMENT WITH XX/XX/XXXX. SEE ATTACHED LETTER TO REPORT ND FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer privacy and confidentially under 15 USC 1681.

USC 1681 section 602 A -States I have the right to privacy.

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

15 USC 1681 c ( a ) 5 No consumer reporting may make any consumer report containing any of the ff information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 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: Mortgage

In XX/XX/XXXX Community Loan Servicing said that I had contact them to do a modification on my loan so they started the process of that which begins with a house appraisal. I contact them and said that it was a HUGE MISTAKE, I didnt asked for that, my payments were and are up to date. Last time I was late on a payment was in XXXX. The result of this mistake is that according to them I have to pay for the paper-work related to the loan modification, the one that I did not requested!. 
In XX/XX/XXXX I was finally able to talk to XXXX XXXX who is my account representative and said that the charge was going to be removed. Today in XXXX The charge still showing in my statement and when I called I was told that the charge cant be taken off and that my representative couldnt talk to me. I had to be put on hold for over an hour and be transferred to three different people just to hear that answer. 
Why do I have to pay for their mistakes?? 
I really need help with this!
Product: Vehicle loan or lease

I WAS AT THE END OF MY LOAN AND ONLY HAD A LITTLE OVER {$1300.00} LEFT TO PAY ON MY LOAN. I WAS REAR ENDED BY SOMEONE WITHOUT INSURANCE & THERE IS ABOUT {$10000.00} WORTH OF THINGS THAT NEED DONE TO THIS CAR INCLUDING FRONT/BACK BREAKS, RACK & PINION & THE WHOLE TRUNK NEEDS TO BE REPLACED ALONG WITH THE EXHAUST FROM THE ACCIDENT. I PAID THESE PEOPLE OVER {$12000.00} FOR THIS CAR AND ONLY HAD ABOUT {$1300.00} LEFT TO PAY!!! 

i AM TAKING CARE OF XXXX CHILDREN XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STRUGGLING TO MAKE ENDS MEAT. I'VE HAD ISSUES WITH THIS COMPANY THROUGH MY WHOLE LOAN WORKING WITH ME. MY PHONE HAS BEEN OFF BECAUSE I COULDN'T AFFORD IT RIGHT NOW. THEY SAID THEY TRIED CALLING, BUT I NEVER RECEIVED ANY EMAILS ( EXCEPT FOR 1 EMAIL THE DAY BEFORE THEY REPOSSESSED MY CAR ) NOR ANY VISITS TO MY HOME TO TRY TO SEE WHAT'S GOING ON. NOW THEY ARE SAYING I NEED TO GIVE THEM OVER {$2000.00} TO GET THE CAR BACK. IF I CHOOSE NOT TO, I HAVE TO PAY {$75.00} JUST TO RETRIEVE MY BELONGINGS THAT IS IN THE CAR RIGHT NOW. WHEN I TALKED TO XXXX XXXX AT AUTO NOW, SHE TOLD ME THEY HAVE " NO PATIENCE FOR THINGS LIKE THIS ''. THEY COULD CARE LESS ABOUT PEOPLE STRUGGING & TRYING TO MAKE ENDS MEAT.
Product: Credit reporting or other personal consumer reports

Please see the attached XXXX release form for the account reporting on my credit report with the name and account number XXXX XXXX XXXX XXXX. Remove this account from my credit report due to erroneous reporting from Equifax data breach. The Equifax breach claim was submitted months ago, but I will attach it along with the release form for your reference. Remove this account from my credit report with 7 business days.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. 
XXXX ROPING XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7800.00} XXXX XXXX**** Balance Owed : {$55.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX Balance Owed : {$34000.00} XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$3300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$3300.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$750.00} INQUIRIES INCLUDED IN DISPUTE : 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 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 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

This is a formal request to challenge the hard and soft inquiries on my TransUnion Credit Report. I have sent letters to each line item requsting validation of each inquiry. Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than XXXX days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 

In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within XXXX days of the completion of your re-investigation. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX {$3800.00} XXXX XXXX XXXX {$1000.00} XXXX, XXXX XXXX {$140.00} XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$600.00} COLLECTIONS XXXX {$31.00} COLLECTIONS XXXX {$31.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX {$8100.00}
Product: Credit card or prepaid card

Received edd card on XX/XX/2020 and atm ate the card on XX/XX/2020. Ive reached out and the account got a hold. I was never given a reason why my card was taken to begin with. Ive contacted Bank of America through customer care, done a customer care contact form, emailed govandcorp@prepaidcard.bankofamerica.com, visit Bank of America on twitter and still nothing has come of it. As a direct result of this I have been evicted and I wish to settle this once and for all.
Product: Money transfer, virtual currency, or money service

I had a account with Chime bank for years I had my XXXX direct deposit into the account they close the account and said they wasnt giving me the funds. Only way I could get the funds if the state requested it.
Product: Credit card or prepaid card

In XX/XX/XXXX, XXXX XXXX introduced a new rewards program for their cardholders which allowed you to accumulate points ( by purchases ) that ultimately earn 5 % cash back. The details of the program state that once your spending level reached {$1200.00}, the customer is able to begin the accumulation and move to platinum status. My account accumulated over {$2000.00} but my status never moved to platinum, nor did I receive the benefits of the 5 % cash back. I contacted XXXX 's several times between XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX to advise them of the error. Each time I was told that my account would be reviewed and asked to wait. Initially, they did nothing. After the holiday season, they updated my account status to reflect the platinum level, after I brought their system error to their attention. However, to date, I have not received the benefit of the cash back reward. I exceeded the required limit by XXXX. Ultimately, XXXX XXXX owes me approximately {$40.00} in cash back rewards. On XX/XX/XXXX, I received a new card in the mail with a notification that I am a platinum level customer, 3 months after the fact. I feel that they are simply avoiding admitting to their error. This is a dishonest practice. I am a consumer!! They accept my payment each month with no problem. I expect reciprocation with respect to the way that I am treated as a consumer. I have advised them that I have screen shots from each time that I contacted them, supporting my claim. They would not provide me with an email to send them to. Hopefully, you can assist me. 

My name, address and account # are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX