23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We dropped XXXX as our mobile provider in late XX/XX/2019.  (XXXX   account XXXX, I.C. System Ref. No: XXXX.)  We returned all 5 leased phones, all of which XXXX acknowledges receiving.  The 3rd from last bill (XX/XX/XXXX – XX/XX/2019) was for $XXXX, prior to their receipt of the 5 phones.  The 2nd from last bill (XX/XX/XXXX – XX/XX/2019) was for $XXXX with a credit of $XXXX, apparently for the returned phones.  The last bill (XX/XX/XXXX – XX/XX/2019) was for $XXXX.I also received a check from XXXX, dated XX/XX/2019, for $XXXX   which is apparently the reconciliation of the above amounts.  I have participated in several chats with XXXX (for which I have transcripts) trying in vain to get an explanation for several hundred dollars in charges.  On XX/XX/2019, I received an email from XXXX demanding immediate payment of $XXXX, this despite the last bill above stating "This is your final bill for wireless services" with a balance of $XXXX (copy attached). The XXXX email included:It's important that you resolve this immediately to prevent further collection action that may include:•  Your account being sent to an outside collection agency.•  Your account classified as "bad debt" with XXXX if the account remains unpaid at the collection agency.•  Your account reported to the three national credit bureaus as past due.One more chat with XXXX (XX/XX/2019) to inquire about this includes the following:XXXX XXXX. : As I check here that this charge of $XXXX on your account was your previous payment on XX/XX/XXXX that has been refunded on you back on your account .I verified that XXXX did indeed credit our Mastercard with that amount on XX/XX/2019.  (The difference is presumably charging me interest which extrapolates to about 10.8%.)  I immediately asked: "Why was this done and why was I not informed?"  However, no explanation was provided.  I was transferred to XXXX "finance team", but the only explanation I received was:XXXX : I do want to assist you with your concern. However, upon checking, there is a specific department handling the account. All payment or financial related concerns of this account must be handled by that dedicated team. It will be best if you contact them for assistance. You can reach them by calling this number XXXX to have your concern resolved at your satisfaction.You : Can I chat with them? I would like a record, please.XXXX : I am sorry but they do not operate via chat; over the phones only.You : And you can explain none of this?XXXX : I am really sorry; please do not feel that I am refusing to assist you because I will if only I have the right access. I am assuring you that if you contact them, they can answer your inquires.I subsequently received a letter from I.C. System, a collection agency, on XX/XX/XXXX saying that I owed $XXXX and have 30 days to respond.  (Their letter is datedXX/XX/2019, so I assume the 30 days ends on XX/XX/XXXX.)
Product: Debt collection

( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$750.00} does not belong to me.This complaint is not a duplicate This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I contacted Equifax by phone to demand the removal of inaccurate information being reported without my consent per FDCPA. I was refused removal of the inaccurate addresses and accounts by the cousomer service rep. The rep then attempted to start a dispute which I did not ask for and when I refused and asked for a supervisor I was first refused a suprvisor and then left on hold for over XXXX minutes until eventually a survey came on the call and asked about my experience to which I responded with the refusal of my deletion requests and knowing and willing violation of my rights.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I noticed a revolving credit card account on my XXXX report from Capital one that lists me as an Authorized User on an account that has been closed by the credit grantor. I have contacted Capital One regarding this matter and they are unable to locate this account in my credit history. Nevertheless it appears on my credit report and is showing an account that is in excess of XXXX late. I am not familiar with this account nor have I been an Authorized User on any accounts via Capital One or any other credit cards. This has greatly affected my credit report and score and I am requesting that this matter is resolved immediately so that I can attain a positive credit score and rating. I have attached a copy of the credit report so that one is able to see the negative information that is reflected on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately. 

XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - Please remove it from my credit report
Product: Credit card or prepaid card

ApproximatelyXX/XX/XXXX I contacted a American Express operator by phone and inquired about obtaining a new American Express card. The Operator recommended The American Express XX/XX/XXXX Card. I applied and was approvedinstantly for the new card. That same night I used the new card to make a purchase with it connected to my XXXX account for {$500.00}. From what I understand there was a sign up promotional bonus of I think {$200.00}, available for this card if I spent {$1000.00} with it. In the next month or so I did use the card and I believe I spent over {$1000.00}. Later I learned that American Express would not be making this promotional bonus available to me. I signed up for the card to use the card in general as any one would.When I inquired about the promotion, I was not given a reason for it not being made available to me.Many times in the past when I have talked to American Express operators I have been offered sign up promotions to upgrade cards. Sometimes with a hard sell. OccasionallyI accept, but mostly I don't take the operators up on their offers.I feel misledand defrauded by American Express, I don'tunderstand their reasoning. I still am getting sign up bonus offers from American Express on my accounts. I feel American Express defraudedme.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXXXXX  I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Checking or savings account

Capital One Bank decided to close our joint bank account without a clear explanation. They informed us that they had decided to terminate their business relationship with me, resulting in us being unable to access our savings. Despite my wife also attempting to contact the bank, they told her the account had no issues on her end but still did not allow her to use the funds. 

Furthermore, we've encountered difficulties with specific claims we've filed. For instance, we had a pending {$300.00} refund from XXXX, supported by emails confirming the refund, yet the bank did not assist in resolving it. 

Similarly, we faced issues with the vehicle rental company XXXX XXXX, where the bank denied our claims without requesting evidence or providing a proper channel to submit it. 

It has been nearly three months since we began trying to resolve these issues, and we have yet to receive a satisfactory response from Capital One Bank. We urgently need these denied claims resolved as we have evidence to support our case. 

In summary, we're in a frustrating situation where we lost access to our funds without a clear justification from Capital One Bank. Additionally, we're facing challenges in resolving legitimate issues with other entities. We would appreciate any assistance or advice on how to proceed in this matter
Product: Debt collection

Im not even sure what account they are referring to because I have expressed to them that the lease company XXXX failed to pick up their product after I called them and informed them that I am no longer wanting the product. They proceeded to make a deal with the guy that still lived there and after that I am unsure of what happened, I was not contacted by them at all until the account was sold to ERC apparently. I am not fond that they are now calling my employer asking for me and informing the person answering the phone that they are indeed a debt collector. It is embarrassing and it creates a bad image on my behalf with my employer. Im not even sure how they found out where I work at because I never gave them that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes XXXX Transunion and XXXX Credit bureaus are currently still reporting XXXX XXXXXXXX - XXXX an inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. XXXX, Transunion and XXXX are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was compromised and an inquiries were incurred in my name without my knowledge and approval. I sent my dispute to this company on XXXX with all the relevant information they needed to verify my claims but the funny thing is this fraudulent inquiries are still showing on my credit report way past the three days allowable days to delete/block this data. 

please delete this erroneous inquiry from my report asap : XXXX XXXX -- - PULLED LAST XX/XX/ XXXX : PLEASE NOTE the following tax liens have been withdrawn from court 2 weeks ago, there is no record of these liens any longer, please delete accordingly : STATE TAX LIEN ref # XXXX STATE TAX LIEN ref # XXXX STATE TAX LIEN ref # XXXX
Product: Credit card or prepaid card

I purchased a XXXX XXXX gift card at XXXX on XX/XX/XXXX and added {$310.00} to the card. That same day I tried using the gift card on a well-known website that verifies your identity by withdrawing a small amount from your account. However, before I could verify my identity, the card was automatically cancelled. Upon calling customer service, they told me that if they detect any fraudulent activity, they'll automatically cancel the card and issue me a replacement card which would arrive in 7-10 business days. 

When I didn't receive the card in 7-10 business days, I called them again on XX/XX/XXXX. They told me to wait an additional 2 weeks in case it got lost in the mail. After two weeks, I called again on XX/XX/XXXX and the call representative said I should have just called after 7-10 business days instead of waiting 2 weeks. Regardless, they said they would send a replacement card. This time I gave them an alternative address to see if that would help. I asked if I could get a tracking number, and they said that wasn't possible. I still didn't receive the card. 

I called again on XX/XX/XXXX. I asked if there was any other way to get this replacement card or get my money refunded to me and they said it wasn't possible and all they could do is keep issuing replacement cards and have me wait 7-10 business days. They then said they sent another replacement card. 

When I didn't get this card either, I called again on XX/XX/XXXX ( my most recent call ). They said they'd send the replacement card, but I still haven't gotten it. 

The customer service has generally been unhelpful and I'm not convinced they're sending these replacement cards since I have received nothing since XXXX.
Product: Checking or savings account

Hi, on XX/XX/XXXX my mobile login was compromised. I reported this issue on XX/XX/XXXX to a Wells Fargo fraud representative. I was not held liable for the unauthorized activity and my account was re-instated. Today XX/XX/XXXX my card was not working for available funds in my account. I call fraud department and they told me the block ( to confirm my attempted charge ) was removed off my account and that it was active. I had 3 more instances of calling in to unlock my card in which I had no success resolving that. It wasnt until a rep finally told me I had an additional block that required loss and prevention to remove. Upon calling loss and prevention on XX/XX/XXXX I was greeted by a very XXXX  rep who deflected my integrity and told me that I never spoke to a fraud department rep about reinstating my account for the unauthorized activity that took place. She continued to get louder and louder as I stayed calm asking for her to check any possibly notations. The rep then replied to me nope nope nope you did not even speak to anyone. This is deflecting my literal experience as a wells Fargo customer, as I DID speak with a representative who assured me my account was reinstated and active with no blocks. She continued to tell me that I never spoke to anyone in the past, even though all calls are recorded and notated. I am stuck with a restricted account with no explanations for why I can not access my funds and why my account is still restricted for unauthorized activity I shouldnt be liable for. I am unsatisfied with the unprofessionalism and arrogant attitude from the loss and prevention rep I spoke with.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report that your company published and as a review when I found a number of items on the report that are in accurate. Under the fair credit reporting act XXXX XXXX XXXX. I have the right to the man that you close me all the documents that you have recorded and retaining your file. This issue allows with the CFPB finding against your company.
Product: Vehicle loan or lease

I sent in my payment for XXXX of {$480.00} and it was cashed on XX/XX/2023. On XX/XX/2023 I was contacted by my bank Santander Consumer USA for a missing payment for XXXX. I told them I sent it out on XX/XX/2023 and it was cashed on XX/XX/2023. He said I would need to fax over a copy of the clears check both front and back to XXXX so they could apply the payment accordingly. I contacted my financial institution and they could not provide me with a copy of the check because of how Santander cashed the check and could only provide me a copy of the transaction and bank statement showing the check number and amount of the check. I faxed that over. I gave them a few days to process this and called back. They said that they still needed the copy of the check back and front. I also needed to give them the correct month of bank statement showing the correct check number. I have given all the information I am able to obtain and its not good enough. I always make my payments and make them on time. They should be able to tell that its is my check by the numbers coinciding with each other and the amounts of each check. They have given me a complaint number for future calls but this has taken too long as it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics,
or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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, credit repair services, or other personal consumer reports

I CALLED EQUIFAX ON XXXX. THEY HAVE ALL THE INFORMATION THERE BECAUSE THE WOMEN THERE ASK ME IF THE INFORMATION WAS A SOCIAL SECURITY CARD AND A DRIVERS LICENCE I TOLD HER YES THEN SHE REFRAMED FORM ALL OF WHAT SHE HAD SAID AND TOLD ME THAT SHE CAN NOT GET INFORMATION ABOUT WHO I AM AND TOLD ME TO GET THAT IDENTIFICATION THAT SHE ALREADY HAS AND RESEND IT TO EQUIFAX. SHE IS JUST WASTING TIME FOR EQUIFAX DOES NOT WANT TO CHANGE INFORMATION IN DISPUTES OF WHICH MANY TIMES I HAVE SENT THEM. I TIRED OF THE RUNAROUND. I CAN NOT EVEN ACCESS ONLINE EQUIFAX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  sent me a letter stating the account in question was charged off XX/XX/XXXX due to non payment with a balance of {$4000.00} XX/XX/XXXX the account was placed with XXXX XXXX XXXX XXXX to assist in collection efforts. 

On XX/XX/XXXX a lawsuit was filed with First District Court XXXX XXXX, State of Illinois, but later dismissed WITHOUT prejudice on XX/XX/XXXX. I ask that you immediately investigate and confirm this debt was dismissed without prejudice and remove it from my credit report and all of XXXX XXXX  records as the debt is no longer owed or valid.
Product: Debt collection

I have an old balance with XXXX XXXX XXXX in the amount of {$210.00}. A few months ago I received 1 ( one ) letter from Americollect stating that this amount has been placed in collection with them and they subsequently placed the collection on my credit on XX/XX/2019. 

Seeing as how I check my credit repeatedly, I found out that Americollect has now posted this same amount 3 more times for a total of 4 collection listings on my credit resulting in significant drop in my credit. 

According to the Fair Credit Reporting Act, this is an illegal tactic and if I'm not mistaken, I am not should these items be removed from my credit reports, but they are subject to fines and I should receive financial restitution as a result of the damage to my credit.
Product: Credit reporting or other personal consumer reports

I formally disputed with ( XXXX, Equifax, and Experian ) the furnishing of my personal credit information with their agencies. 

According to FCRA section 15 U.S. Code 1692c its illegal to report information on my credit report without permission. Please remove it from my credit report. At the current time ALL three agencies are reporting different information. XXXX is the only agency that properly addressed my claim. 

The dispute where first sent by certified mail in XXXX to all ( 3 ) agencies. Then after no action I then did the dispute electronically through each agencies direct website. Lastly I have called just for them to tell me there is nothing they can do.
Product: Bank account or service

TD/TARGET ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you TD/TARGET or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : TD/TARGET or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX