23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Applied for loan through Credit karma recommendation on XX/XX/2023. Received calls and text messages, email from XXXXXXXX XXXX  loans through Sun XXXX aka XXXX. After several month loan funds never received. Daily text and calls from Company impersonating to be XXXX XXXX loans. Requesting money sent to several different XXXX XXXX ids. Threatening late fees and legal actions. I have paid over {$5000.00} to this company using XXXX XXXX  id given to me from XXXX XXXX XXXX XXXX. As if paying the loan back or paying administration, processing and insurance fees. When requested to cancel receiving treating emails and text messages. Stating no refunds.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX - This was Paid as agreed and should not be showing any derogatory information on my report. 

XXXX XXXX - XXXX - As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter.
Product: Debt collection

Hunter Warfield is harassing me, lying on me saying i gave them permission to contact me, when last year i told them directly and i think filed a complain with the CFPB to not contact me. Every time i called this company after that they told me i have to Rescind my communication with them to speak with them which i never did which always results with them hanging the phone up on me. We can get them to forward all the phone calls from my number XXXX to further verify what im saying. They claim they have a debt in my name, and not once did they sent me any type of information about this claim. They were reporting a collection on my credit report for months not verifying anything. I disputed this with XXXX, after three attempts they remove this collection. Now this has been removed Hunter Warfield literally lied stating that i gave them permission to contact me. where is the phone call, or email stating that. i haven't been in contact with this company since the last time they hung up on me. So this is crazy to me a company would stoop this low to harass me. I am not taking this lightly this is definitely fraudulent, and unprofessional behavior. Attached is the email i received on XX/XX/2022 from Hunter Warfield office
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, In fact therefore exists.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : XXXX, XXXX Account Name : [ conns ] Account Number : [ XXXX ]
Product: Debt collection

this company has been calling me every single day, both on my phone and my cell phone since XXXX XXXX, 2018- for no reason. I make all my payments on time the message says, " this is a private matter, please call me back '' so unprofessional, unethical. how do we make them stop calling me?
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen on XX/XX/2016. I received reports from the credit reporting agencies that I had several accounts that were late. Upon checking the report I discovered numerous accounts that were never opened by myself or authorized by me. These accounts were opened using my personal information and ss number. I have reached out to these companies on several occasions and they are still contacting me and still showing up on my credit report. These are not my accounts. I have also mailed in or faxed my police report. Below is the information on the companies and amounts XXXX   {$400.00} XXXX XXXX XXXX {$9200.00} XXXX XXXX {$2200.00} XXXX XXXX {$2200.00} Discover {$2200.00} XXXX 's {$300.00}
Product: Credit reporting or other personal consumer reports

Im not liable with this debt with XXXX XXXX XXXX. I do not have a contract with this collection agency XXXX XXXX XXXX. They did not provide me with the original contract as requested. 

Correction to my credit report. I demand this company be removed from my credit report. 

15 USC 1681 FRCA SECTION 605b
Product: Checking or savings account

I was part of a scam and the bank will not reverse payment because it is a XXXX  payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX
Product: Credit card

I have a credit card from Synchrony bank from financing a dryer at hhgregg a couple years back. hhgregg is going out of business and I want to close this card, which I have n't used since and never plan to use again. It has been paid off and carrying no balance for over a year. 
Synchrony 's FAQ is down, their " compliments and complaints '' page fails to load, the hhgregg portal for managing the card is down, and I can find no way to close this card. I tried calling several numbers including the XXXX their website says to contact for hhgregg-related accounts, and despite XXXX attempts, waiting on hold for XXXX minutes each time, I have never managed to reach a human to request account closure. 
They are effectively refusing to close this dormant card by providing no means to do so. I 'm not sure what else to do having attempted all means of reaching out I can find.
Product: Credit card

Care Credit Card - Used for Pet, Vision, Medical, etc .... 
In XXXX, we had a series of unfortunate mishaps. We had to take our cat and dog to the vet on separate occasions. We have bills totaling over $ XXXX. The Care Credit card allows options for deferred interest if you pay within the promotional deadline. In multiple cases we selected 0 % for 12 months. Each month our bill provides the monthly balance, deferred interest, and when the promotional date expires. 
My concern is deceitful and misleading payment processing. 
For example : Charge # 1 - Expires XXXX/XXXX/XXXX with a balance of {$4000.00} Charge # 2 - Expires XXXX/XXXX/XXXX with a balance of {$5000.00} I will pay {$500.00} to charge # 1 to avoid interest. Care Credit is not applying the full payment to charge # 1. Instead they are applying portions of the payment as they see fit. A consumer paying {$500.00} naturally wants to pay down charge # 1. There is indication in their payment system that says otherwise. A consumer believes all of the {$500.00} payment is being applied to charge # 1. 
Care Credit has been deceitfully spreading out the payments among the multiple charges, which then makes the consumer default into interest charges. This is not only wrong but a bold face lie since there is nothing indicating/differentiating payments to multiple charges. 
We have never been late and always pay on time. I am angry because we have multiple charges we have been trying to pay off, only to see that Care Credit is lying to their customers about payment distribution. 
We expect an inquiry to be made and restitution to all customers they have been cheating for a long time. I have no idea how many years we may have been paying interest believing we were paying our promotional balances on time. 
Shame on you Care Credit for your deceitful practices!
Product: Credit reporting or other personal consumer reports

Disputed a closed XXXX account with XXXX, XXXX  and equifax just to be responded to by this debt is valid according to the creditor and cases being closed with no chance of being able to request proof of debt owed even from XXXX themselves upon paying debt in full off XXXX  website they kept pushing me off to different debt collectors who would send me back to XXXX and I resorted to the credit reporting agencies providing them confirmation numbers of me paying the debt reflect on my report in full from XXXX with account number listed just to get back that the debt on my report is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING ACCOUNTS AND INQUIRIES. PLEASE BLOCK AND REMOVE IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX there was a barrage of ads on the radio for XXXX. I was working a dead end job for a large XXXX XXXX  and found the allure of making much more money doing similar and more advanced work too compelling to turn down. I went to the school and got talked into a XXXX commitment with the promise of training, and lifetime job placement. Fast forward 6 months and before I even finished classes they were going bankrupt. There was a lawsuit in many states, handled by the XXXX firm that demanded they pay the money back, in response they disappeared and we were left holding the debt with half of our education and none of our job placement. 

All of this to say, I reached out to XXXX XXXX about this and they basically told me tough cookie. I defaulted on the loan in XXXX and have never looked back. In XXXX they sold the debt to XXXX. I have never made payment to this company, they have used aggressive tactics to try and get the money back, and even though there is a charge off issued on my credit they report me as delinquent every month. This is costing me money, and opportunities. I have disputed and called and done everything I can think to do, and its like trying to push over a brick wall getting any answers. Its time I moved on and they did too. Please help.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  -in litigation XXXX XXXX XXXX XXXX XXXX XXXX -in litigation XXXX XXXX XXXX XXXX XXXX -in litigation XXXX XXXX XXXX XXXX XXXX XXXX  -in litigation After speaking with the IRS, they stated that all charged off accounts over XXXX is canceled debt and ordinary income as these companies filed these on their taxes so why is it on my credit report I shall receive a 1099c from these companies regardless. They cant file these as charge offs and report debt at the same time this is illegal These inaccuracies shall not be on my credit report as debt. My rights are being violated per! 5 USC 1681e ( d ), violation of US Cide 1681, Violation of Us Code 1681 I ( 5 ) ,15 USC 1692 G Please delete these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like 2 months of 30 days late payment removed. I was unable to pay CC bill due to XXXX XXXX  faults. They changed systems from XXXX to XXXX and I was unable to access payment accounts from XXXX. I called numerous times to request help with the issue and to request a new card, they even removed all late fees because of my issue. Also numerous calls disconnected without call backs and their system has wait times in the XXXX minutes. The day I finally received my card I activated it and saw I was able to access my account and pay. I immediately called and paid what I could, while removing late fees, and then the day after paid the entire card. Weeks later I saw XXXX 30 days late on my credit report and that my score fell about XXXX points. Please help, I have contacted XXXX by phone and fax and they don't want to help. I am a new credit user who wanted to be careful and this is destroying my credit. Please help.
Product: Debt or credit management

Contact Midland Credit Management to review account debt and placed in a review as I'm disputing the balance. The balance owed is incorrect as it includes late charges and interest from XXXX XXXX. Due to hardship experienced, although I always made timely payments, I am disputing these charges. Attached is chat conversation.
Product: Credit reporting or other personal consumer reports

On XX/XX/11 someone used my information to try and obtain a credit card from Sams club. I reached out to Sams and the only information that they provided was someone try to get the card but couldnt verify the information matching my credit report so they were unable to open the account. However, the hard inquiry is still on my report affecting my credit score.
Product: Debt collection

In XXXX, I contracted with XXXX XXXX XXXX to spray my front and back yard for pest once a month. They knew that the gate to my back yard is always locked. I operated a XXXX from my home, so there was always someone at my residence to open the gate and give them access to my back yard. 

From the time I hired XXXX XXXX XXXX they kept charging me for services they did not provide. I told them them to knock on my door when they arrived to spray my yard, so I can open the gate. I also told them to leave a notice on my door, if no one answered the door. They never came to my door and never left any message that they were there for months. Then I started getting calls that my payment was past due. 
I told them that I was not going to pay them, unless they showed proof of the service I requested. They kept harassing me with phone calls. I have not lived at that address since XX/XX/XXXX, and these people are still harassing me to pay them and they know that they did not provide the service. They started by telling me I owed them XXXX dollars, after I told them that I was not going to pay for a service that they I did not receive. They have taken drastic measures by submitting my name to XXXX XXXX to collect {$260.00} from me. This company has submitted derogatory and erroneous information to the credit bureaus, tarnishing my name publicly. 

I reporting XXXX XXXX XXXX to you for you to stop them from pursuing this fraudulently collect debt they say I owe. Someone has to protect we the consumers from these vultures.
Product: Debt collection

On XX/XX/2018 I paid an amount to settle a debt in full to USAA Bank, and the payment has cleard and was accepted by USAA Bank as complete settlement. A confirmation was recieved from both USAA and their third party collection agency ( XXXX ) confirming such. I have reached out to USAA regarding their inaccurate reporting to all credit reporting agencies that this debt still has a balance due which in fact is inaccurate and damaging information. Which is directly impacting my efforts to resolve this unfortunate situation that was a direct result of multiple untimely and unexpected immediate family deaths including my Mother, Aunt, and Grandmother within only a 3 month period. I have unsuccessfully reached out to this creditor asking that if this debt is settled to please extend their goodwill and remove this account in its entirty upon settlement from my credit reports. This has not been done nor is it reporting accurately. Attached are supporting documents I ask for CFPB 's assistance in this matter sincerely. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates is reporting inaccurate information such balance owed, and charge off date and date the account was officially opened!! Also the {$490.00} balance is not what was owed when they said this account was charged off!! This information is inaccurate and I want documents bearing my signature showing I owe this debt to Portfolio Recovery! I keep disputing and XXXX, XXXX, XXXX saids that things were updated non related to my dispute!! I Demand documents bearing my signature showing I owe Portfolio Recovery this debt!! I have sent out certified letters to them and I received itemized bill! you will not fool me with itemized bills!!
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this com

pany to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that EQUIFAX is negligently reporting these inaccurate negative accounts on my credit report. I already tried to fix this with EQUIFAX but they did not send me any process on how they investigated these accounts. This is a violation of the Fair Credit Reporting Act which states that all the information reported on my credit report should be accurate and if ever I would send a dispute or file a complaint with them regarding an inaccurate account, they should disclose with me all the steps they took when investigating and validating the disputed account. 

These are the inaccurate accounts that are in my credit report : XXXX. XXXX  CRD Account Number : XXXX XXXX. DPT EDXXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. DPT EDXXXX Account Number : XXXX XXXX. DPT EDXXXX Account Number : XXXX XXXX. DPT EDXXXX Account Number : XXXX XXXX. DPT EDXXXX Account Number : XXXX XXXX. DPT EDXXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. DPT EDXXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. DPT EDXXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. DPT ED/XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX collection Account XXXX : XXXX XXXX. XXXX collection Account XXXX : XXXX XXXX. XXXX  collection Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX
Product: Credit card or prepaid card

I submitted a credit card application with Citizens Bank, on or about XX/XX/XXXX. I followed up on the status of the application on XX/XX/XXXX. I was informed that I was denied due to the following reason- an account currently reporting on my XXXX XXXX as 60 days delinquent. Knowing that this was incorrect, as my Score was XXXX and all of my personal accounts current and in good standing. I explained this to the representative at that time and they explained that I could obtain my Credit File from XXXX and submit it to their credit department for Reconsideration. I did as instructed. I first contacted the XXXX XXXX. and filed a request/opened a case. I then called XXXX immediately, explained the situation to the representative, who went over the file with me, and found no evidence of what I was told by Citizens Bank regarding my credit profile. The representative then sent me a copy of the credit file via mail to forward to Citizens XXXX XXXX. Once I received the copy of my credit file, I forwarded 20 pages, split between two separate emails ( 10 pages per email ), on XX/XX/XXXX. I called the Dept. on XX/XX/XXXX, XXXX to confirm that both emails were received. The representative confirmed that both emails, containing my 20 page Credit File had indeed been received, and was under review. I followed up via phone with the XXXX XXXX. a week later for an update. I was told that my case was still under review. I waited a few days, followed up with a phone call, got the same answer-still under review. Someone called the next day to tell me again that it was still under review. I asked to speak with a manager, feeling that I being strung along, and was denied. the XXXX ( XXXX XXXX said that she would send a note to the Manager. I received a phone call the next day ( XX/XX/XXXX ), apologizing for the delay, but still no resolve. On XX/XX/XXXX, I received a call saying that my Reconsideration was denied due to an old account dating back 7 years, that is no longer reporting and shows a current {$0.00} balance, but " may '' have been late 7 years ago. They originally told me that I had a current account reporting as 60 days late. I disproved that by providing a current, full XXXX XXXX file. I was then told that they looked into my history, dating back to a XXXX XXXX XXXX, current & closed, unreporting account. I feel that I was discriminated against due to gender and ethnicity. An XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY SECOND TIME CONTACTING YOU ALL REGARDING THIS ISSUE. Incorrect and inaccurate information is being furnished on my credit report. I do not owe XXXX XXXX nor do I have an outstanding balance with them. see attachment as proof of inaccurate information
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
I looked at my credit report on XXXX, XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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.