23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I made a purchase of {$49.00}. I realized from the domain of the page which is XXXX that it was a false purchase since the real domain is XXXX from the official page, on the same day, XX/XX/XXXX. I contacted the Zip application to stop the transaction immediately while the payment was pending, they limited themselves to telling me to wait 13 days and that they couldn't do anything even if I sent them screenshots of the real and fake page, they even urged me to contact with the scammer, which the ftc agency for reporting fraudulent sites does not recommend and I let them know, I contacted the customer support chat of the real page by sending them the same screenshots as zip and they verified that it was not their page and I sent them the capture with the conversation to zip, ignoring them and only limiting myself to saying that I would contact the seller, not even giving me options. I have screenshots with their customer service of them and even an email reporting the fraud on their page that supposedly should be attended to within 48 hours which has already passed more than 48 without a response from them, which gives me to understand that they do not want to reverse the payment even so when I let them know that it was a fraudulent transaction, since the XXXX I I have contacted them and they have refused to give me a solution until the next payment. My bank did a dispute with this company for the same problem because they refuse to give a Solution
Product: Payday loan, title loan, or personal loan

XXXX XXXX  XXXX Mariner Finance called my place of employment in attempts to collect a debt they say I owed. A coworker answered the phone. I was not available and my co- worker asked if she could take a message, the representative from XXXX XXXX XXXX Mariner Finance then asked my co -worker if I was still employed, to which my co-worker replied " that's an odd question '' ( because she had no idea the nature of the call. ) My co-worker asked if she had tried to reach me on my cell and the rep said " Yes, I am in the same business she is in, so that's probably why she's avoiding my call. '' That comment was completely unacceptable and a direct violation of my privacy in respect to FDCPA 's Title 15 Section 1962 c, by " revealing or discussing the nature of debts with third parties ( other than the  consumer 's spouse or attorney. )
Product: Credit card

I used my card 2 times, but I pay the exact amount XXXX on XX/XX/2022 but they said it was a cicle that havent close yet, so they charged me {$2.00} dollars that I didnt know it was a cicle on it, passing 5 months the {$2.00} dollars increase to {$62.00}. After 5 months they started calling me to make the payment ( they didnt tell me anything about a cicle when I open this credit card ) XXXX. {$2.00} XXXX. {$6.00} XXXX. {$14.00} XXXX. {$30.00} XXXX {$62.00} that was the total amount that they charged me because of the cicles that I didnt know about. When I paid {$340.00} my balance was XXXX and I didnt use it anymore. Also when I paid they never said it was a circle with {$2.00} dollars to paid. Then I paid the cicles missing and I wanted to close this credit card but they said that even if XXXX not using this credit card cicles will still running. I told them that they never said this when I opened it, and they just said sorry because the lady didnt did a good job Now I want to rent and I see my credit been XXXX to XXXX please help me, next year I want to buy my house and I just know that this can affect my credit for 7 years and thats not fair. Thank you so much
Product: Credit reporting or other personal consumer reports

I tried to reach Experian to upgrade my membership because my personal information is on the dark website. I want it removed. I called for 3 days, because I needed to speak with a live agent to help me to process the upgrade! But there were no Agents to speak with me. I'm frustrated and scared because of this situation. 
I need help ASAP. Experian need to notify me.
Product: Vehicle loan or lease

car loan was back in XX/XX/2016 would like to remove from credit file this vehicle was deductible
Product: Student loan

They contacted me via phone claiming they could help me pay off my loan with federal government help. Then only got my debit card for payments each month, for 5 months each year, but the card was already canceled. The reason for the report is I received an e-mail from the U.S. Department of Education about Suspicious Activity on Your Student Loan Account. This company already had access to my information and had reset my FSA account and had access to how many loans I have. They had the last for digits of my social security number as well. I was told by the U.S. Department of Education. Stating " we believe you may be working with a third-party company that is charging you or will charge you a fee for a service that is offered for free through the U.S. Department of Education ( ED ). '' They somehow had access to all my loans just by using my e-mail, name, and address. They showed me a screenshot of all my loans. I now feel that I was scammed and compromised. They had me fill out e-documents I no longer agree with and revoke all access to my accounts.
Product: Credit card

I made a purchase online on XX/XX/2016 from XXXX in XXXX. My credit card was charged the day I made the purchase. I cancelled the order on XX/XX/2016, at that point no goods had been shipped to me. On XX/XX/2016 I disputed the charge with my credit card company Citibank. Citibank placed the money back in my account. Then on XX/XX/2016 Citi reversed the credit because they claim the merchant refuted the dispute. The merchants response that Citi forwarded to me is simply the merchants return policy, it has nothing to do with this specific case. I have contacted the merchant several times and they claim they did not refute this claim. They have attempted several times to refund the charge. I have talked to the Citibank dispute department multiple times and they say that it is up to the merchant to refund the money, there is nothing they can do. 
On XX/XX/2017 I filed a complaint regarding the merchant with the XXXX of XXXX concerning this claim ( ID XXXX ). The merchants response to the XXXX was " I have talked to this customer multiple times and explained that I am not able to refund this transaction because he filed a chargeback with the credit card company and the money has been taken from us already. This is something he needs to work with his credit card company on. I have talked to our processor and there is nothing we can do. It is out of our hands. '' Based on this it appears that Citibank withdrew the money from the vendor yet did not provide a refund to me. Citibank continues to tell me there is nothing they can do.
Product: Checking or savings account

money is missing out of my account. My balance was {$6600.00} when I went to sleep. a {$4900.00} payment was applied. No transactions came in. When I woke up, my balance was missing approximately $ XXXX. I attempted to dispute the matter. The banker stated that he see where there may be about {$450.00} due back. I called to check status, and was advised that nothing will be refunded. I am missing money from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greeting, I am XXXX XXXX XXXX XXXX XXXX 
I was XXXX XXXX for almost XXXX XXXX  my home Mortgage was originally with XXXX which sold or transfer everything to XXXX XXXX. While overseas I suffered with many set back. 
1 ) my wife and kids get stock in the XXXX XX/XX/XXXX for 9 months with my XXXX XXXX XXXX due to XXXX while I XXXX and at the same time I had a leak in my house which take months to figure out. 
2 ) My XXXX passed away XX/XX/XXXX due to XXXX and I was contact by the XXXX XXXX for funeral arrangement while XXXX. 
I came back from the funeral back in XXXX. I suffered a XXXX XXXX on XX/XX/XXXX for which I am in XXXXXXXX XXXX. XXXX XXXX contact me about the change changes which I explain to them I was overseas. They never never stop calling my and reported me to the credit bureau. I am respectfully ask to delete and remove the late fees from my record please. thank you
Product: Mortgage

My mother, who passed last XXXX, was on the deed. My step-father, XXXX XXXX XXXX XXXX was not on the deed. I am the executor of my mothers Will. 

The previous loan servicer, XXXX Mortgage, was in the process of adding my Step-father to the mortgage as the Eligible Non Borrowing Spouse through the Mortgage Optional Election assignment program. 

The loan is now being serviced by Compu-link corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OK XXXX We received no notice from Compu-link Corporation concerning this reverse mortgage or having my step-father added as the Eligible Non Borrowing Spouse. The only notice we received was from XXXX XXXX XXXX XXXX of XXXX, VA stating that the house will be going into foreclosure and is scheduled to be foreclosed on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I alerted Transunion to the presence of incorrect information ( addresses ) on my credit report. The incorrect information is still present on my report.
Product: Mortgage

why do i have two loan modification what happen to the XXXX i payed and why do i have 30 yrs more too pay my note off
Product: Debt collection

I am getting frequent calls from this XXXX number and it is dept collector. I have no any debt, loan or outdated credit card or any sort of bills to pay. I want to know how did such company get me number and called me. I receive similar call from other so many unknown numbers. Concern authority must take strong action to protect innocent citizens. Thanks
Product: Mortgage

Bank of America had our mortgage when I lived at XXXX MI XXXX. Bank of America was fined by the USA for unfair mortgage practices. The United States government had to decide whether to bail them out or shut them down. The government bailed them out because their unfair mortgage practices ended up with thousands of unfair forclosures. Bank of America sent me a settlement check for the unfair mortgage issue on that house. I had already moved to XXXX XXXX, XXXX XXXX XXXX, MI XXXX. That is where Bank of America mailed the check to. The city of XXXX MI had bought the house at XXXX , MI XXXX from Bank of America . Then the city of XXXX sold the house.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a certified letter to the credit bureaus certified number is : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION - XXXX XXXX XXXX XXXX XXXX XXXX Also on XX/XX/year> XXXX sent a second certified letter XXXX the credit bureau XXXX certified number is : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX TransUnion was still conducting their investigation from XXXX. 

The credit bureaus stated account name and account number : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was properly investigation XXXX but how is that possible? If the open date is an accurate, the date less active is an accurate end date last report it is not accurate. This is grounds for removal. They also are violating my rights under 15 U.S.C 1681 section 604A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I havent given these accounts written permission to furnish these accounts on my credit report as well.
Product: Debt collection

OnXX/XX/2021 I received a Letter from this collection agency in response to a Debt Validate Letter. The information that they provided was unverifiable and the alleged debt is invalidated. They did not include proof of legal right to collect on these debts, nor proof of contracts bearing my signature, nor proof of licensure and nor proof they are within the states statue of limitations. Under the Fair Credit Reporting Act and other consumer protection acts, it is my responsibility to investigate and ensure that the details being reported to the credit bureaus are accurate. I am distressed  that the company has not provided me with what I have asked for. I demand these debts to be deleted from my credit file and cease all collection activities immediately.
Product: Credit card or prepaid card

I moved out of state in XXXX from XXXX to XXXX XXXX and notified all of my creditors of my new mailing address. I never received a bill from Kohls to my address in XXXX XXXX for the month of XXXX.I received a call from a Kohls customer care rep on XX/XX/XXXX, indicating that I was a few days late on my account. Due to a recent move and an address change, I had not received my latest bill, and I went over again with the care rep what my new address is. This company still had my old address in their system as XXXX XXXX XXXX, XXXX, XXXX and apparently, the bill had been sent there. I promptly paid the bill for the full amount that was owed and gave the representative my new mailing address once more, for future reference. I had told the representative several times that the bill for the month of XXXX never arrived and XXXX was the last bill I had received from them. Here is the bank information transaction regarding that payment that was made in full for the balance that was due according to the agent I spoke with. 

Account : XXXX - ADVANTAGE CHECKING Date : XX/XX/XXXX Description : Debit Card : KOHL 'S CHARGE PAYME XXXX WI XX/XX/XXXX Amount : ( {$540.00} ) Today, I was reviewing my credit report and I noticed Kohls had flagged me as a 30 day late payment notification on my credit report for the month of XXXX. I immediately contacted Kohls and spoke with a XXXX XXXX, a client representative, at Kohls. After discussing in detail the conversation that took place in XXXX with another representative, we discussed that along with my excellent payment history, and my change of address scenario, XXXX then noted the mailing address had been wrong in their system and was just recently updated in late XXXX, which was why the bill was never received. XXXX removed the late charge from my account and informed me that I would need to go directly to the bureau for the removal of the late flag notification for the month of XX/XX/XXXX. He told me to give a reference number of XXXX, as a record of our conversation in which Kohls had agreed to remove the 30 day negative late from my credit record.
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 or items which do not belong to me. 

Block these fraudulent items that are reported in my file : XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; GA XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I recently received a letter from XXXX and XXXX a professional law corporation in regards to me being sued by Portfolio Recovery Associates with a screen shot of the case filed. I was not notified nor served from this or any company. This company violated the XXXX  order that is in place for them. I wouldn't have known of this lawsuit and would of be wrongfully sued, since I received no communication from them.
Product: Debt collection

One day the collection just showed up on my credit report. I never received an documents from the credit agency or the apartment company giving me notice of a debt. I have called the company many times and have not received any documentation of this alleged debt. I was informed that there were discrepancies in their system and I would receive a call back. It has been two months since the collection was placed on my credit report and still I have no way to very this debt from either agency. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for method of validation To Whom It May Concern : I recently received a response to a CFPB complaint that I made under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) ) regarding the validation of the below accounts which you show as validated and belonging to me on your records. I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am extremely interested to learn how your XXXXnvestigator ( s ) arrived at this conclusion. I would like to see a complete list of all documents and correspondence between the credit bureau, existing creditor, and original creditor. Please include all names and contact information of employees that you spoke to as part of your investigation. All previous letters and documents that I sent to you attached along with this correspondence in order to help you process this request. I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this complaint, or I will expect to see the item in question permanently expunged from my record. Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. Acct XXXXXXXX XXXX XXXX   XXXX, XXXX XXXX XXXXXXXX, XXXX/XXXX XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to fix my credit report from TransUnion but the representatives are being rude and condescending. They didn't want to help even when I have my credit report on hand. they are reporting incorrect data which is affecting my score. they are also not reporting certain credit card accounts. Even the manager was rude. They wasted my time and its not fair how they are treating consumers when their reporting is deliberately affecting my personal life. its not fair that they don't want to fix mistake they are making. This company customer service is horrible and they don't do anything to help correct the mistake they are creating. Its not fair that I have to get a lawyer to help me with this issue when I should be able to fix this without a lawyer when they are the ones making the mistakes that are affecting my personal life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB complaint was a follow up just for assurance that the XXXX, XXXX and TransUnion Credit Bureaus will not be negligent and will know that this topic was urgent. As I can tell that someone has stolen my identity. I filed a formal report to the FTC, and in accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report to this complaint and will do it again. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX CHILD SUPPORT XXXX XXXX Balance {$0.00} CHILD SUPPORT XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} 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 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

Portfolio Recovery Associates , LLC Acct # XXXX XXXX I have sent this company a cease adhere this company has refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter the company is not legally bonded and or insured to collect in the state of TEXAS. please have this company cease all collection activities this my last attempt to complain outside of court.
Product: Debt collection

I submitted written notification to Midwest Recovery Systems on XXXX/XXXX/XXXX asking them to validate this debt. Today is XXXX/XXXX/XXXX it has been 48 days and I have not received anything validating this debt. I have NEVER done business with Midwest Recovery Systems. I dont have a signed contract nor any contract with Midwest Recovery Systems. I have a right to demand to see the contract between Midwest Recovery Systems and myself. Midwest Recovery Systems has listed this account multiple times with the credit bureaus. I want this INVALIDATED DEBT REMOVED FROM ALL CREDIT REPORTS. Midwest Recovery Systems is NOT LICENSED in the state of TENNESSEE. I would like this unfounded and unvalidated debt removed form my credit report. Per Tennessee Code TFDCPA 62-20-101 and 105 thru 127, Tenn Law emphatically states that " a collection service can not commence or conduct the business of collecting debts in TENNESSEE without being so licensed and bonded as well as maintaining a " location manager '' who in turn is required to be licensed and bonded. in the State of Tennessee. UNLICENSED ACTIVITY IN THE STATE OF TENNESSEE POTENTIALLY SUBJECTS THE DEBT COLLECTOR TO CIVIL AND CRIMINAL PROSECUTION.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX  XXXX, NY XXXX ; XXXX XXXX XXXX, XXXX ; XXXX  XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2020 i was informed a lawyer was suing me for a dental bill i do not owe. 

The lawyer claimed XXXX plus interest and put it on my credit report claiming over XXXX pwed. 

I furnished all my proof showing i over paid a dentist who i paid XXXX for a partial after dentist botched root canal and caused the tooth to break. The partial to cover missing tooth was defective. 

The lawyer did not add all the insurance paid or a check for XXXX paid. 

After proving these things lawyet changed amount claiming XXXX of the XXXX was for services not rendered but antispated. Now he say XXXX owing which is still incorrect. I do owe period. 
The XXXX the lawyer put on my credit report was again put on knowing i do not owe that and lawyer admitted it the amount was for services not remdered however hes still trying collect unfair incorrect money. 
Case XXXX XXXX XXXX XXXXXXXX court Hallstrom Law for XXXX XXXX XXXX XXXX My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX az XXXX