23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a ticket by XXXX XXXX XXXX XXXX for stopping in the incorrect spot for an obstructed stop sign. On the ticket, it said in the fine print that it was not a legal law enforcement agency and that I was not obligated to pay. Then, they sent it to the debt collector. When I called the debt collector - RSI Enterprises , Inc - to inquire about next steps and whether I was obligated to pay, they hung up on me twice in a row without answering my question. I am concerned about whether this is legal/real, and I couldn't get an answer, because the woman got mad when I asked and hung up the phone twice in a row.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft in which an individual opened/submitted a credit card application with Capital One through Cabella 's. I submitted an official letter with requested personal information to Capital One on XX/XX/2021 per their request in attempting to retrieve further information/details. I have been unsuccessful with 3+ follow-up calls to them asking for this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report to find the following items to be incorrect. 
I have explained the discrepancies in the numbered entries listed below : Your XXXX XXXX XXXX  XXXX XXXX XXXX According to my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately. 
By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. 1681 et seq., I demand that these items be reinvestigated and deleted from my credit record. Please send me the names and addresses of the companies that you contacted so I may follow up.

Under the terms of the Section 168 li of the Act, you have 30 days from receipt of this letter to verify this disputed information. In the event you fail to verify this data, or fail to respond to this request altogether, the disputed data must be deleted in its entirety. 
Also, pursuant to 15 U.S.C. Section 168ld of the Act, please notify me when the items have been deleted. XXXX XXXX XXXX XXXX XXXX XXXX  copy of my credit report to the below address. According to the provision of Section 168lj, there should be no charge to this Dispute
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I received a Economic Impact Payment Card in the mail the week of XX/XX/XXXX. I did not want to activate the card because the issuer wanted my SS number and banking information. It wasn't clear to me that it was connected to the government stimulus package. I could not find any details through the IRS.gov website. My tax preparer did send me additional information about the terms and conditions but could not vouch for its legitimacy. Under the terms and conditions it states I can opt for a check payment by contacting their customer service. When I used the number listed it goes straight to card activation and never to customer service. The card is enabled by Money Network and is issued XXXX and the only number listed is XXXX. I just want a check issued to me just like the previous stimulus check.
Product: Debt collection

I applied for an apartment at XXXX in XX/XX/2013 & was denied. A year later, I got a collection letter from Hunter Warfield demanding money for not taking the unit that XXXX said I was n't approved for. 

I hired an attorney who review the case & sent Hunter Warfield a letter stating I paid {$150.00} for an application that was declined and I am not responsible for the {$520.00} fee. 

Luckily for XXXX XXXX I received a notice about a a Collection on my credit report that warned me of this.
Product: Credit card

I applied for the XXXX credit card that offered a {$400.00} statement credit if I spent {$1000.00} in 3 months. I looked online and it said {$200.00} if I spend {$500.00}. I put in an inquiry and they denied it saying the offer was not available. I have screenshots everything.
Product: Mortgage

In  XXXX , I repeatedly asked for a bill so that I can get caught up on payments of my mortgage fr om Fay Servicing in voicemails and also by talking to different representatives. At one point, I w as told that I would receive a bill in the mail but this was not received. On  XXXX   XXXX , I spoke with a representative and for the first time, was told I needed to request this type of information via email, which I have done. In the meantim e, Fay Servicing has b een racking up fees at a ridiculous rate. For instance, on  XXXX   XXXX  the bill was {$6600.00}. On  XXXX   XXXX  the bill I was told the bill is {$9600.00}, according to the conversations with the  Fay repres entatives. However, I have n't so far received in writing an amount and what date that bill will be good through. In addition, I submitted a loan mitigation application in  XXXX  that I have n't heard a recent status on.  Fay S  ervicing is responding or not responding timely to voicemails I 've left in the past month, while they continue to rack up their high fees. I 'm aware of my rights as a loan mitigation applicant and potential federal RESPA violations that are occurring. In particular Fay is not resp onding timely to my requests for a bill so I can become current with payments. I am in contact with legal counsel on potential federal RESPA violations that have occurred.
Product: Debt collection

This has been an absolute nightmare dealing with these people. I first had an attorney represent me with this XXXX months ago on the judgment which was {$XXXX}, XXXX. I then asked my attorney to remove himself to see if they could talk to me and they wouldn't do it. My attorney has been attempting to remove himself for the last month and a half to 2 months so I can talk to him and negotiate a payoff statement. I finally was able to speak to someone and now the amount is up to {$XXXX}, XXXX which includes court costs for judgment that they went to court over a year ago almost 2 years now. I received a notification from the sheriff 's department stating that the dollar amount was {$XXXX} and now it is over {$XXXX} this company is terrible fraudulent and they use scare tactics and abusive nature 's to get your money. They need to be investigated by the government because I know I'm not the only one that's have issues with these people they have a horrible reputation and I can see why. How does a consumer know what the correct amount is that they're trying to pay off and the other thing is a year ago I offered them a {$XXXX} payment and then I would do the rest and payments when the judgment was {$XXXX} and they wouldn't go for it please help this has been nothing but stress for me and I'm trying to recover from XXXX and this is what I've had to deal with and when I did have representation which he did a job that he was supposed to do and they jerked him around as well.
Product: Debt collection

I got a letter in the mail for a Civil Action Information Subpoena, and I mailed back the questions they requested. On top of the letter it states that " Failure to Comply with this information subpoena may result in your arrest and incarceration '' It is for Discover Bank their attorney sent this letter. I called my Superior court to get information on this and spoke with someone there about it. They told me a Judgment has already been filed and i never submitted a answer to the court and they already entered it against me. I never got any letters from the attorney saying they were going to take legal action and I was never physically served any paper work or signed any certified letters. I never got anything saying I had a court date and never received a complaint or anything telling me to file a answer with the court. I would have filed an answer if I was sent the correct documents stating I needed to. They are saying they are going to garnish my wages. The account was charged off and I have not since heard or received anything regarding it. I also wanted documentation showing my agreement and that I owe this debt so I will be requesting a debt validation letter. Also it states that I owe {$2300.00} plus costs of which {$2500.00} together with interest from XX/XX/2018. I am unsure how I owe more money on debt that was charged off, and my account is closed. I was never notified of having to pay any Judgement and was never told there would be added interest.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. )  This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit card or prepaid card

Me and my fianc flew XXXX XXXX to XXXX, XXXX through XXXX, XXXX on XXXX. I purchased tickets using my J.P. Morgan Chase Sapphire Reserve Card for {$1100.00}. After a late takeoff and late arrival, we were unable to make our connection in less than 30 minutes. XXXX XXXX refused to honor our reservation, forcing us to pay {$830.00}
Product: Student loan

I REPORTED TO XXXX XXXX XXXX  THIS IS NOT MY ACCOUNT THEY SENT ME A FRAUD AFFIDAVIT AND I RETURNED IT TO THEM. I HAVE PAPER WORK I PRESENTED TO THEM TO SHOW INFORMATION WAS INVALID AND INCORRECT YOU CAN NOT REPORT INACCURATE INFORMATION TO THE CREDIT BUREAU. I AM ASKING THEY REMOVED UNTIL DISPUTE IS SETTLED ANF THEY HAVE A OFFSET AGAINST MY FEDERAL RETURN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both XXXX and vanderbilt mortgage and finance but it seems that vanderbilt mortgage and finance has reported it correctly as it's reported correctly on XXXX and XXXX  but getting the information on everything they're reporting hasn't been sent to me yet after a few conversations over the last week. But XXXX has been told this at least 4 or 5 times over the phone and XXXX XXXX a certified letter to no avail. The loan I had should have been reported as a installment loan by law because of the type of loan. This process has been going on since around the beginning of XX/XX/2023 and it's XX/XX/2023. So almost 3 months.
Product: Credit card or prepaid card

I paid my Capital One account in full on XX/XX/XXXX and was told there would be no late fee by the representative just before flying internationally to XXXX. I have been flying internationally for work the last few months and have not been home, much. When I did arrive home I found a letter from Capital One dated mid XXXX and it said my Frqud case had been resolved and no balance on my account was supplied with this letter. 

So, I took that as there is no balance on the account and everything is fine. Now, by email I am told there is a balance of {$55.00}. I am finding my account balance by cellular access, as Capital One website will not open for me in XXXX. See attached photo for proof that Capital One website is not working. My account has also been closed by Capital One and I am wondering if they are preventing me from accessing my account to finally close it, completely!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX called about inquiries that were never authorized by me. Was told that they were matter of fact and the creditors had to remove them. Called creditors and was informed that the specific credit bureau would have to remove them. Submitted proper documentation that it was in fact not authorized by me to said bureau. 
XX/XX/XXXX called to follow up was told no record of reports and documentation was on file and that inquires was matter of fact by creditors and I wouldnt be able to be helped until I resubmit documentation.
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. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This is the second time I have written about the mistreatment of two companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they generated me a bill during a medical consultation a year ago and the bill was sent to Midwest Debt Collection. without ever being sent to my insurance or to my address to be able to pay that debt, my credit was severely damaged. Then Midwest Recovery Systems, knowing of the rush to repair my credit score, used the tactic that if I paid it out of my pocket, they would repair my credit faster to buy the house, then paid, that was a serious mistake I made, because my credit wasn't repaired faster and I have to pay much more for the mortgage of my house for eleven long years since I had to qualify for an HFA loan due to bad credit score even though I gave more than twenty percent of the mortgage because.

Now trying that the bill that was generated a year ago be sent to my insurance to recover some of the money, I have been mistreated by both company, XXXX XXXX XXXX XXXX says that that is not their problem, that it is a frequent mistake and that they do not have the fault of what happened and that they sent the debt to Midwest Recovery Systems and Midwest Recovery Systems says that that account is closed and that they no longer have anything to do with it. 
then I wonder Who can defend us from these abusive practices used by this company against citizens? 
What should I do to claim my rights?
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to close this account back in XXXX, XXXX. Capital One failed to do this and indicated they would waive the Membership fee for the card. They proceeded to charge the fee and assess a late fee. I called again, they claimed to have fixed it. 
Again, the following month they charged another late fee ( 2nd time late fee ) I proceeded to explain, I have been attempting to close out this account as I don't want to pay yearly membership fees since I have NOT used this credit card since XXXX. I did not need this card or the yearly fee assessed. They proceeded to report me late for a 30 day late payment. I called again, they now proceeded to reverse the charges of the late fees, still did not close out the account but will not remove the late fee for the 30 days. I do not want this card, I don't want to deal with this yearly call. after several calls, they finally closed out this card today XXXX - almost five months later. I need them to reverse a late reporting, I did not want this card, have not used this card in 5 years. They said they can not do that and that all they can do is report a XXXX balance. Nevertheless, they have refunded my late fees, cause they understood I did not pay late. I need this corrected, it has adversely affected my score and my ability to refinance my home. My account is finally closed but my credit remains affected because of their lack of diligence.
Product: Debt collection

THERE ARE CHARGE-OFF ACCOUNTS ON MY XXXX, XXXX  AND XXXX  CREDIT REPORT THAT DONT BELONG TO ME. 

1 ) CB INDIGO CBNA ACCOUNT # XXXX 2 ) CITICARDS CBNA ACCOUNT # XXXX 3 ) XXXX/XXXX/XXXX  XXXX  ACCOUNT # XXXX
Product: Checking or savings account

On XXXX/XXXX/XXXX my XXXX XXXX Account XXXX, with BMO Harris was closed with a balance of {$620.00}. I did an online chat with them and they said a check would be coming in the mail with 2 weeks. After 3 weeks I once again started a chat and they said to give it until the end of XXXX. Still no check. Just recently I called BMO Harris last week and was transferred over to a person who handles the checks but was not as her desk so I left a message. My message was never returned. It 's been almost 2 months and I am missing my {$620.00} from my closed bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed I have inquiries on my credit report that are not mine
Product: Credit reporting or other personal consumer reports

Ive been in communications with this company about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my le. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : 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 condentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My only name XXXX XXXXXXXX XXXXXXXX  My only address is XXXX XXXX XXXX XXXX pa XXXX My only date of birth is XXXX My only employer is XXXX XXXX XXXX XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You XXXX XXXX
Product: Credit card

NOTE : This complaint is to re-address the issue ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX in which the respondent ( s ) did not properly address the questions and concerns raised, and in which certain presumptions and assumptions were made that were not previously addressed or rebutted. In XXXX, 2023, a " non-traditional '' payment was made to the credit card companies involved, sufficient to almost pay the balance in full, and keep the account open. However, when these companies " received '' either a " payment '', or " confirmation of payment '', their response was to close the credit card accounts, and the report the accounts as " delinquent ''. These companies have stated that they do not/ can not /will not " accept this payment, but have cited no relevant federal or state law to support their contentions and actions. I am not in traverse, nor dispute as to the amount of any money or lawful " debt '' I may owe, but I am also aware that the companies involved, as " dead '', corporate entities, do not, and can not generate energy, and can not produce " substance '', and therefore, they did not loan me any " money '', to create a " debt '', and also can not loan " credit ''. I am seeking an equitable resolution to this matter, as well as preserve my rights. Thank you for your prompt attention to this matter.