23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have never done business with " Procollect Inc '' at procollect.com. I thought I owed them money and found out that I never did. Procollect Inc made threats to damage my credit and my significant other 's credit as well. I now feel foolish and cheated for paying these people, only to still have a derogatory mark on my credit. This has financially impacted both myself and partner. I never signed any contracts with this company and I did not give permission for them to have my personal information. I looked these people up on the internet and it appears as though they have scammed many others. The business is not XXXX XXXX XXXX XXXX XXXX ) accredited and has XXXX complaints from the past 3 years logged against them at the time of this submission. I paid the debt to these people because I thought that that I really owed them as I am both young and didn't know better at the time. They called me multiple times and threatened legal action if I did not comply with their requests to pay by their specified deadline. 

My partner and I collectively paid {$560.00} on XX/XX/2021 and our credit was lowered over XXXX points each via reporting from " XXXX XXXX XXXX XXXX ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to review my credit file. 
I did not give permission to the following companies to pull my credit report. 
When I contacted them each by phone call, they were not able to pull up any information on me with my social security number, date of birth nor name. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. 

XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX AMERICAN CREDIT ACCEPT AUTO FINANCING COMPANIES INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX COMPANIES - NON SPECIFIC INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX AXXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX RE : DISCREPENCY ON CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMPANIES INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX AMERICAN CREDIT ACCEPT AUTO FINANCING COMPANIES INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX COMPANIES INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX COMPANIES INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - NON SPECIFIC INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX, XXXX REMOVAL DATE XXXX XX/XX/XXXX RE : DISCREPENCY ON CREDIT FILE XXXX XXXX XXXX XXXX XXXXNQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

While this company servicing my loan was still XXXX XXXX, the monthly payments were very high and they were not willing to work with me to lower the payments and make them more affordable. I entered into an agreement with them where once they adjusted my monthly payment, and they were made on time for 6 months, that all negative information related to the account would be removed. Once thee account carried over to XXXX the same terms were to apply. To ensure that there were no problems considering the reputation of these companies, I enrolled in auto pay. The payment have been made with a hitch for a quite a while however, the company has not honored their commitment. Furthermore they are still reporting late payment although I am enrolled in auto pay and have proof that the payments were made. I am in the middle of trying to purchase a home, and the XXXX XXXX/XXXX question continued to come up with all perspective lenders. It is becoming very frustrating and costly. They continually misreport, and have basically harmed me in every way listed in the lawsuit filed by CFPB.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored. 

Personal Information ( TransUnion ) Employers : XXXX XXXX
Product: Debt collection

Banco Santander was notified by myself in person, with evidence, about th e problem at my job which is currently been seen at loc al U.S. District Court in Puerto Rico, because I sued my employer as well as 2 other government agencies, for 3 types of discrimination. During the whole year I was not receiving my salary, this bank als o received late payments on my part, with the help of my immediate Family, meaning Parents in this case, Just by the same time the Bank decided to say this account was a lost, soon after I recovered my job, and I immediately notified this in person and with evidence to this bank, that I recovered my job last   XX/XX/XXXX  , and started to work next day on  XX/XX/XXXX , and that as soon as my first salary was available, payments will re-start. The bank first, had on my checking account all the late payments charges, that with my initial deposit to that checking account after recovering my job were collected by the same  Banco Santander. Then, the bank sent a notebook so I can continue with the payments, this account never  actually was at a collection agency no matter the problem at my job and late payments, because I recovered my job and re started the payments before all that happened, why then is been reported as a negative account at  XXXX , damaging all my efforts of credit recovery after paying on time since the job was recovered? This account never had a payment arrangement like my credit card with this bank, which does have a certified payment arrangement with the same  Banco Santander , because I was able to re start the payment before that step, why then is reported as a negative account, as not been paid, when payments re-stared on my part before any certified payment arrangement like th e one  with my credit card? Also,   XXXX   shows that there are no collections on my file? Who can understand this? See the evidence, including the  XX/XX/XXXX  evidence sent to  XXXX   XXXX  from  Banco Santander Central Office, a nd even to th e E.E.O.C., most ly in   XXXX   language, that certifi es one of  the many contacts I had with this same bank about this problem, and I always sent evidence. In this case, the bank was denying a payment extension for this loan, no matter all the evidence they had about this problem, because it was not the Bank  's Policy, and because there was a previous payment extension.  See the evidence sent through  XXXX   XXXX   XXXX   XXXX , from  Santander   XXXX   XXXX   XXXX   Branch in   XXXX   XXXX  , Puerto Rico. There are no sig nificant changes in y credit report at  XXXX ,  XXXX  or  XXXX   XXXX , since   XX/XX/XXXX   until today, is basically the same report, only that recent payments are not posted yet at  XXXX , so the unfairly reported Negative accounts are making the damage for discrimination worse. I will also sent this complain as evidence  to U.S Mag istrate Judge  XXXX   XXXX   XXXX , because the unfair actions allowed by  Ban  co Santander Policies, simply are unfairly damaging m y credit recovery efforts with no reason at all. An d, the Court also have all the previous complaints against Santander filed by me here at the CF.P.B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved an alert about a credit inquiry for SYNCB/Dicks Sporting Goods XXXX I did not authorize this inquiry nor have i called or stepped foot in this location to begin an inquiry. Alerted on XX/XX/2023
Product: Credit reporting or other personal consumer reports

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 

XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit card

I am submitting a complaint against Chase credit card regarding a dispute over a purchase from XXXX. On XX/XX/year>, I purchased an XXXX account from XXXX, and the transaction was posted to my credit card on XX/XX/year>, for {$840.00}. Initially, I logged into the XXXX account, and everything was functioning correctly. 

However, on XX/XX/year>, XXXX announced a platform migration from XXXX to XXXX. They provided me with XXXX login details on XX/XX/year>, but I was unable to log in or use the account on the new platform. 

On XX/XX/year>, XXXX communicated via email that they had paused operations at the end of XXXX and planned to relaunch on XX/XX/year>. Despite this, they did not restore my account. On XX/XX/year>, I received email confirmation from XXXX that they owed me a XXXX XXXX account, but they never delivered it. 

I created a support ticket with XXXX on XX/XX/year>, and they confirmed that the coupon they sent me was invalid and not working. 

I have submitted XXXX claims to Chase credit card to dispute the charge. The first claim was denied because I logged into the XXXX  account after the purchase, even though this was before the platform migration and shutdown. The second claim was denied because too much time had passed since the transaction, despite my efforts to resolve the issue promptly. Chase informed me that the merchant was not willing to credit my account and that the charge was valid. 

Despite my attempts to resolve this issue with XXXX and Chase, I am left without the service I paid for and no resolution. XXXX  has made false promises and has not provided any means to use the account I purchased. 

XXXX of Events : XX/XX/year> - Ordered XXXX account from XXXX. 
XX/XX/year> - Transaction posted to my credit card. 
XX/XX/year> - XXXX announced migration from XXXX to XXXX. 
XX/XX/year> - Received XXXX login details but could not log in. 
XX/XX/year> - Email evidence that XXXX paused operations in late XXXX and planned to relaunch on XX/XX/XXXX. 
XX/XX/year> - Email confirmation from XXXX that they owe me a XXXX XXXX account. 
XX/XX/year> - Created a support ticket with XXXX ; they confirmed the coupon sent was invalid.
Product: Debt collection

I received a phone call. The individual was asking for my full name, social security number and address. The individual stated that they were calling on behalf of national collection buruae. They were going by a different name which I submitted a complaint on due to the fact that they attempted to contact me multiple times. After I stated clearly that I do not want to be contacted by them because I have no business with them, the person calling attempted to instruct me to go to a website or call another number ( within their company ) to be removed from having communications.
Product: Credit card or prepaid card

On XX/XX/2020 I made a purchase to best buy in the amount of {$1400.00} Upon tracking my order it showed delivered, I had not received the item in question, I called best buy on XXXX XXXX and was told my purchase was delivered. The rep provided the address and, I informed rep the address was in correct. 
I was given options to pick up the merchandise in a store 4 hours away from my home, I then requested a refund, I was told I would be credited, but never received a credit. i had called XXXX XXXX back to ask the status of my credit with no luck. I then disputed with Citi bank with no luck. Citi bank indicates I am responsible for best buys error Citi bank has provided to me documents that show, the incorrect address my purchase was sent to. 
This error is negatively impacting my credit score
Product: Debt collection

This complaint is against XXXX XXXX who works for Professional XXXX XXXX XXXX in XXXX Florida. Mr. XXXX became involved XX/XX/XXXX to help resolve a dispute we had with XXXX XXXX. XXXX XXXX put a new roof and siding on our home in XXXX after a hail storm. They did not complete the job as promised with many punchlist items left ( debris etc ), put the wrong color roof on and performed shoddy work on the siding ( siding started falling off within a year ) as well as wrong size downspouts etc. For this reason, we did not pay the remaining {$19000.00} of a {$55000.00} job. They contacted Mr. XXXX who negotiated a settlement in XX/XX/XXXX between us and XXXX. We agreed to pay almost all of what was owed and we set out a payment schedule. There was nothing signed other than an email from us agreeing in the email to pay the monies and to make every attempt to pay within the time period we set out. We made the 1st several payments in a timely manner but had trouble paying the remaining {$2400.00}. We emailed Mr. XXXX that we would pay {$1200.00} asap and the remaining {$1200.00} within 2 weeks. That is when Mr. XXXX emails became threatening. He threatened legal action on us if we did not submit payment in full within 24 hours. I reminded him that this was a payment schedule that we came up with and we never signed anything stating that we had to pay in full by that date. His emails became more XXXX and when I suggested that I may file a complaint against him, he became very angry and said that we were in breach of contract and that he was going to file an immediate lawsuit. My husband and I both then took time off work to scramble and come up with the full payment ( which negatively affected other financial obligations ), which we then sent that day to Mr. XXXX after which we never heard from him again. In addition, Mr. XXXX repeatedly called me on the phone between XXXX and XXXX even though I specifically asked him to email so as to keep a record of the conversations. In his phone calls he threatened legal action ( even though we made it clear from the beginning that we had every intention of paying but felt the amount we owed was too high based on all the shoddy work ). I will attempt to attach the email chain between myself and Mr. XXXX. Thank you.
Product: Credit card or prepaid card

Citibank closed my credit card account without any warning. I called them and asked to re-open. They stated that it would require a hard credit pull just for them to evaluate if they will re-open my account. I asked them for an alternative way which would not burden my credit history with a hard credit pull, and they claimed they do not have any alternative processes. They asked me to either agree to the hard credit pull or apply for another card ( requiring a hard credit pull ).
Product: Credit card or prepaid card

I purchased a giftcard balance on my XXXX account using my debit card through Bank of America. The amount of the giftcard balance purchased to be added to my XXXX balance was {$1200.00}. XXXX closed my account, thus delivering the funds to an account that I can not access. Therefore, XXXX has committed fraud by charging me for something that was not delivered in a way that I can usefully use it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed bankruptcy and XXXX XXXX XXXX is showing that I have 4 accounts on my credit when one was paid off, but it showing account closed due to refinance. Date open XXXX/XXXX/XXXX balanceXXXX, XXXX/XXXX/XXXX balance of XXXX, XXXX/XXXX/XXXX balance of XXXX, and XXXX/XXXX/XXXX balance of XXXX. Now I 'm seeing this company on my credit multiple times when only one of the account I went into default and then I filed bankruptcy.
Product: Checking or savings account

I recently applied for an auto loan through Bank of America, where I was approved and encouraged to open a checking account in connection with this loan. After agreeing to purchase a vehicle with financing in the amount I was approved for, and XXXX hours of attempting to speak with a loan officer, I was bluntly informed that my loan was now denied because I have a recent change of address. This change was known to the agent at the branch where I applied, and who ( along with the branch manager ) encouraged me to move my banking to Bank of America in conjunction with the loan, yet at no point was I told of this ( arguably discriminatory ) policy. I feel I was induced to open an account with what is clearly a disreputable bank under false and fraudulent pretenses, and while I can close the account, I would prefer they honor the terms of the agreement they entered into and extend me the loan I was approved for.
Product: Debt collection

My bank account was frozen by Patenaude & Felix, two days later I receive paperwork from this company letting me know that they received a judgement back in 2010. They went back to court last month and were able to levy my accounts to collect the money. My problem is I never heard anything about this lawsuit until now. I moved 7 years ago, this company filed the lawsuit in my old city after I moved. I know they knew where I lived because they were calling me at my new address and sending out letters. I was unemployed at the time and could n't pay and I told them so. I do not think its right that the first time I hear about this is when they freeze my accounts.
Product: Credit card

Chase, like many banks, offers special promotional rates tied to its credit cards. Though they send out voluminous emails, and it would be easy to include a reminder to consumers, they bury the " due date '' to pay the balance in full and not incur interest on the last page of their paper or PDF statements likely hoping you 'll run over. One might be tempted to call this a " scam ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiries : XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> and XX/XX/year> XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XXXX  XX/XX/year> XXXX XXXX  XX/XX/year>
Product: Credit reporting

I was on military XXXX, copies can be provided, and cancelled my XXXX account but they continued to charge me and refused to acknowledge the SCRA. I disputed this charge with XXXX credit report agencies, but they refused to acknowledge SCRA. I disputed this with the phone company and with the credit bureaus, and have gotten no help, so I talked to my units legal counsel and financial counsel ( XXXX XXXX, XXXX, XXXX, you have my permission to ask them any follow up questions ) and they suggested I report this to CFPB before pursuing further legal action.