23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$10000.00} ; DPT EDXXXX XXXX Balance Owed : {$24000.00} ; XXXX  XXXX Balance Owed : {$6300.00} ; DPT EDXXXX XXXX Balance Owed : {$2000.00} ; DPT EDXXXX XXXX Balance Owed : {$3000.00} ; DPT EDXXXX XXXX Balance Owed : {$3000.00} ; DPT EDXXXX XXXX Balance Owed : {$1800.00} ; DPT EDXXXX XXXX Balance Owed : {$3500.00} ; DPT EDXXXX XXXX Balance Owed : {$6800.00} ; DPT EDXXXX XXXX Balance Owed : {$4900.00} ; DPT ED/XXXX XXXX Balance Owed : {$3200.00} ; DPT EDXXXX XXXX Balance Owed : {$21000.00} ; DPT EDXXXX XXXX Balance Owed : {$4000.00} ; DPT EDXXXX XXXX Balance Owed : {$7000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting Act the creditor XXXX XXXX XXXX XXXX and creditor XXXX XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states that i have the right to privacy. Under 15 USC 1681 section 604 A section 2 also states that a consumer reporting agency connot furnish an account without my written instructions. Under 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please remove all inaccuracies and update my credit profile
Product: Credit card or prepaid card

On XX/XX/XXXX, I put a deposit of {$300.00} for a friend for an escorted trip to XXXX XXXX with XXXX XXXX XXXX XXXX using my Capital One credit card. The trip was scheduled to take place on XX/XX/XXXX, Due to the Covid pandemic, the trip was cancelled by the tour agency. The tour company allowed the group to reschedule the trip for an alternate date. However, the tour company was unsure if the restrictions from the pandemic would be lifted by the time our new tour date. The uncertainty made it difficult to plan and purchase airline tickets. We finally cancelled with the tour coordinator months prior to the new tour date of XX/XX/XXXX. XXXX. To date, I have not received any refund from the merchant and therefore filed a dispute with the credit card company. 

The issue : We cancelled verbally with the tour coordinator. Per XXXX terms and conditions, the merchant must provide the cancellation policy and any terms and conditions of the transactional sale before the customer makes the purchase. If the customer is making the purchase via the website, the merchant must display all terms and conditions on the same page and before the entry of any payment information. 

The merchant did not provide the person paying the deposit the terms and conditions of the sale. And, the documentation provided does not prove that cardholder was made aware of the terms and conditions before the transactional sale. The merchant provided a letter that claimed that customer should had known the policy because of prior business dealings but this does not fulfill the regulations provided by the Reg and by XXXX. 
Lastly, the representment paperwork provided to me is not readable, If I can not read it, how did the representatives reviewing my case read it? PLEASE SEE ATTACHED DOCUMENTS Capital one provided a temporary credit of {$300.00} to my credit card while the dispute was being processed. The dispute was denied and the {$300.00} was re billed to my account. The company performed the re bill to the account before alerting me to their decision. 
I called and spoke with several representatives before speaking with a supervisor who informed me that my dispute was denied due to the dispute was filed outside of time frame This was not true as the representment documentation provided by Capital one shows that dispute was filed through XXXX, accepted by XXXX 's dispute process as a valid dispute ; submited to the company XXXX XXXX XXXX for response ; and the company XXXX XXXX XXXX  responded. 

Per XXXX 's own rules and regulations in their Charge back rules guidebook, a dispute can be filed 120 days from the last date of service not to exceed 540 days from the original transaction date. The reg states the consumer does have 2 years from the transaction date to formalize a dispute with the credit card company. 

Again, the merchant has not provided proof that I the cardholder making the payment was aware of the terms and conditions of transaction before purchase.
Product: Debt collection

I am writing to bring to your attention the unacceptable practices of several entities concerning the collection of debts related to my credit accounts. First, I would like to address the transfer of my credit account by ___ Company to___. ___currently owns the debt, which means that the debt is no longer mine.

Additionally, this transfer occurred without my consent, which constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( b ), which prohibits communication with anyone other than the consumer in connection with the collection of a debt.

Furthermore, according to 15 U.S.C. 1681 ( 5 ), if any disputed information is found to be inaccurate or can not be verified after a reinvestigation, the consumer reporting agency must promptly delete that information or modify it and notify the furnisher of that information about the changes made to my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have tried to resolve this issue repeatedly, and now this has been transferred to another company. XXXX Also In accordance with the Fair Credit Reporting act XXXX Account Experian/XXXX XXXXXXXX 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.

I am not nor giving permission to furnish these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report false as well as fraudalent information on my credit report.Dispite me disputing multiple accounts for years they refuse to follow the law as according to Fair and Accurate Credit Reporting Act. 
1. XXXX was never late and they continue to report false information. 
2. XXXX XXXX was opened fraudalently and they refuse to remove it. 
3.XXXX  XXXX XXXX  was never late and despite me faxing this company proof they continue to report false information. 
4.my credit age is wrong I have a XXXX student loan open for 18 years Experian never reported any payments 5. Experian is showing all of my open XXXX student loans as closed with a balance.
Product: Checking or savings account

On XX/XX/XXXX I was at the ATM in XXXXXXXX XXXX requested {$300.00} power went off ( thunderstorm ) so it never gave me my money. I waited for 20 mins power came back on, computer rebooted but didnt dispense money. I retried asking for {$10.00} to see if it would then give me my {$300.00} plus the {$10.00} but no luck only gave me {$10.00}. I also called the number on the machine for help they just opened a file to investigate. Today I got their response. ( see below ) I have requested any documentation from them and asked if they reviewed the camera the person on the phone didnt know. 
I dont think its fair for them to keep my money can you please help or tell me what agency I should ask for assistance from. 


BANK OF AMERICA Claims Resolution, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX For Internal Use Only XXXX, heres an update on your claim. 
We have completed our investigation and closed your claim. 
Our records indicate that the withdrawal at ATM XXXX for {$300.00} on XX/XX/XXXX, was dispensed properly and no errors occurred. 
As result, the temporary credit that was previously applied to your account will be reversed on XX/XX/XXXX. 
What's Next Any credits applied to your account related to this claim will be removed You ll see the adjustment ( s ) on your monthly statement. 
If you d like copies of the document ( s ) we used to make this decision, please call us at the number listed below. 
For updates on your claim Were here for you every step of the way. Its easy to check the status of your claim by visiting the Online Banking Message Center at bankofamerica.com. 
You can also call us at XXXX, Monday through Friday, from XXXX XXXX to XXXX XXXXXXXX Eastern. Please have your claim number Claim ID XXXX Claim amount {$300.00} Claim opened XX/XX/XXXXXXXX XXXX
Product: Debt collection

I received the following text message from the phone number ( XXXX ) XXXX : Fox Collection Center. You have account XXXX in our office. Call XXXX www.payfoxcollection.com Reply Stop to opt out And I do not have any outstanding debts.
Product: Debt collection

A collection of {$2400.00} with Credence Resource Management that had an initial collection year of XX/XX/XXXX has been added to XXXX Report again. Now it is showing as a recent collection from XX/XX/XXXX and I believe this is a Debt that had been removed from my credit report back in XX/XX/XXXX due to the collection agency not being able to verify and validate it was my debt. This debt was initially put on my credit before i was even notified and i fought it then and it was removed. Now it has popped back up 6 days ago in XX/XX/XXXX without any knowledge to me this was still an ongoing issue. I do not want to contact them again due to the harassment i dealt with then but i do feel that i should have been notified. I feel as they violated my rights by adding it back without notifying me at all and i want it removed. I have lived in the same home for over a year and had the same contact information longer than that ( Phone, Email, ect. ) Please have them remove this as they were not able to validate then and this should not be an issue with peoples credit that they are able to just add collections whenever they feel like it. This is Illegal activity alot of people deal with.
Product: Credit reporting or other personal consumer reports

Hard inquiries : XXXX XXXX XXXX XXXXXXXX ) I do not recognize them XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

On XX/XX/XXXX, I contacted XXXXXXXX XXXX regarding their reporting of my account accurately. They reported that I was 30 days past due when I was not. I am currently in temporary modification until XX/XX/2024. After XXXX, my regular payments will be {$1600.00}, the temporary modification payment. When reporting that I am late, they say I'm 30 days late and am not behind on {$2100.00}, which is accurate. My original monthly payment is {$2000.00}, not {$2100.00}. I paid my modified payment of {$1600.00}. In XXXX, when I called, they performed a credit dispute, and it fixed the error. I called on XX/XX/2024, with the same issue, and the rep refused to perform a credit dispute and told me to email XXXX, their research team, so they can research it and fix it. I kept getting error messages when I emailed, and my email was not going through. All reps have advised me they are legal to provide information when I say it is inaccurate. Their response is we are legally supposed to report, and I respond with yeah, accurate info, they its accurate when its no. I have attached a copy of the emails that bounced back, the XXXX report showing the inaccurate reporting & showing the accurate monthly payment not in the payment plan. Loan number is XXXX
Product: Debt collection

In XXXX of this year, I spoke with a representative of P & B Capital Group by telephone and made arrangements to pay of one of my creditors in 'full '. This representative was to send me an agreement to the settled amount. After several attempts to contact this individual, I contacted the company directly. The company gave the representative the complaint, and the representative continued to 'bully ' me and send me emails with boxes at the end of the email where I was to 'check ' a response. I again contacted the company. My complaint was given to another representative. This representative at first seemed sincere, and stated he would send me the requested documentation asap. Then he put boxes at the end of his email for me to check a response. I have yet to receive any information and the last contact was made on XX/XX/2018. 

This company has a negative rating with the XXXX XXXX XXXX. 

I am contacting your firm as this company is abusive, condescending, and makes promises that are not kept. 

I have attached copies of correspondence sent and received by this company. 

Please assist me in obtaining the requested documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 90-120 days past due on XXXX  XXXX - partial account number XXXX. ( Please see pages 6 and 7 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 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, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA TransUnion is required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TN  XXXX ; XXXX XXXX XXXX XXXX, TN XXXXXXXX ; XXXX XXXX XXXX XXXX, GA  XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; If TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If TransUnion do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2016 my landlord XXXX XXXX sold his 2 family townhouse to XXXX XXXX. He informed me that she was going to keep me as a tenant because he told her I was a good tenant and would speak with me about resigning with her. When she came to speak with me she told me he gave me the wrong information and that she would need me to leave. I told her I did not have first, last and security to move and I would work on getting the money and would be back in touch with her, Within a few weeks she had sent me paperwork for an eviction hearing in Mid XX/XX/2016.. This was nothing I did wrong and is making me look like I am a bad tenant which I was not. I am trying to find a new home and am being denied everywhere I go because of this being put on my credit report. I would really appreciate it you considered removing this off my credit report.
Product: Credit reporting or other personal consumer reports

I am having major issues with finding inaccurate/ invalidated accounts after carefully pulling my credit report from your agency. I have no knowledge of these items or inaccurate information as my information was impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I have solid proof your breach caused these false items to appear on my report. I also contacted the company regarding the account below and they have failed to validate this account. You are reporting negligently and inaccurately and failing to comply to the FCRA. I demand that these items be deleted immediately and updated. I also demand that you send me a credit report with the updated changes within 30 days. Please see the attached data breach claim and the dispute letter which is dated and time stamped. XXXX XXXX XXXX
Product: Debt collection

Attempted to collect wrong amount. I never had the services for the above said amount {$73.00} and {$60.00} from XXXX XXXX XXXX and it is misleading me by having in collection folder makes uncomfortable. Please help me It was removed from collection, again inserted. 

Because of this my credit score has been drastically gone down. Please help me asap.
Product: Credit reporting or other personal consumer reports

I have reached out to Equifax several times between XXXX and now. I can access my credit report directly from their website, but I can't pull it using any of the third party sites. There is no freeze on my report. When I call, no seems to know what the issue is. I am in the process of preparing for homeownership and the inability to pull this file is causing an insurmountable amount of time and stress. I need someone to fix this!
Product: Credit reporting or other personal consumer reports

My claims where not properly investigated and they were withholding my ability to see my overall credit report. 
No explanation was given in the results of any finds Midland credit management Inc {$540.00} XXXX XXXX. {$980.00}
Product: Debt collection

XX/XX/2020 this company has not sent any letters to my address regarding amount if any owed. Now have a different company calling my number and other members of my families staying I owed a debt. I called and asked them to send me a letter with what was owed earlier today. They continued to call not only number but also the other numbers I ask them to not called. I had to call a second time when the recording stated they would be sending someone to my home or job to serve me, now upset I called again to ask them to send a letter again and dont call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : Inquiry from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX  XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle handle of disputes in light of the recent cfbp lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claim adequately
Product: Credit card or prepaid card

Let me premise this complaint by saying Ive have always worked hard at preserving my excellent credit score, and this is the 2nd time in my entire credit history a creditor has intentionally ruined it. 

In XXXX of this year, I received notice from American Express that my credit card would soon expire ; and a new one should arrive shortly. In XXXX, I received my card and put it aside to use for emergency purposes. During the month of XXXX and XXXX, I received a number of promotional offers... including a personal loan. Since I pretty much stopped using credit cards, I wasnt enticed by their offers. 

On XX/XX/XXXX, concerned that my XXXX XXXX was in need of wheel alignment, I had it inspected by a reputable repair shop. Unfortunately, they determined my control arm wheel bearing unit needed replacement. Once the repair was complete I opted to pay using my American Express card. It wasnt until receiving a text message from them I realized the transaction was over my credit limit. Well, I figured an extra payment ( {$100.00} ) towards my balance would resolve it. 

Earlier this week, I received an email/text from a credit monitoring company that my score had dropped from XXXX to XXXX. Dismayed, I called American Express regarding this issue to hopefully resolve it ; or at least receive an explanation as to why the transaction was approved. Again XXXX reiterate my use of credit cards was minimum, and my credit limit had decreased on all of them. After speaking to a representative, who couldnt provide any insight on the approved transaction ; Im hoping by registering my complaint to you, my credit score would be restored. 

It really baffles me, that I can receive promotional/personal loan offers due to my credit worthiness ; yet a {$75.00} over the limit transaction ( which they should have declined ) has placed me at a marginal status. Its also worth mentioning, Ive been an American Express member since XXXX ; and never been late on a payment. My credit history is what Ive worked to achieve and maintain, and I want my XXXX score returned in its entirety.
Product: Debt collection

XXXXXXXX XXXX XXXX filed a claim to the court of common pleas of XXXX XXXX, for unpaid tuition from fall XXXX - spring XXXX in the amount of {$19000.00}. I was not able to secure finical aid, which I was able to do in the previous academic year  XXXX, and was withdrawn from the university and not allowed to attend. At that time emails were sent to my instructors to not allow me to attend classes, not able to eat in the cafeteria, ect. The university claims is was re-instated as a XXXX which I dispute did not happen. The university filed the claim with the court XX/XX/XXXX, but I was never notified about the claim prior to a judgement being passed. I was never given the opportunity to defend myself in court. The university then had a collections agency garnish my entire life savings 14 years later on XX/XX/XXXX. Due to the time that has past, 14 years, the debt collected interest and Ive been garnished/billed the sum of {$57000.00}. I am now in a position where I can not pay bills, purchase food, gas or pay future debts like mortgage, XXXX  loans ect.
Product: Checking or savings account

Capital One bank did not deposit funds posted by my employer, didnt notify customer of any issues until their was an increase in calls it has been over XXXX hours