23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, XXXX, I ordered XXXX XXXXPhones from XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). On XXXX XXXX, XXXX, I received a better offer from XXXX. I switched to XXXX on this date and tried to cancel the order from XXXX. XXXX said the order could not be cancelled since it was being processed. I tried to cancel the order from XXXX again on the XXXX with the same results. On XXXX XXXX, I received the XXXX XXXXPhones mentioned from XXXX. I did not open the package and requested return information from XXXX. I received this information and sent the phones to XXXX. On XXXX XXXX, XXXX, I received confirmation receipt from XXXX they received the phones. On XXXX XXXX, XXXX, I paid ( auto pay/ bank draft ) my final wireless bill for {$160.00}. On XXXX XXXX, XXXX, XXXX did a bank draft on my account for {$1800.00}. Why they did this I do not know or have I been told. My guess is for the XXXX XXXXPhones I returned and XXXX indicated they received on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I contacted my bank and stopped payment. I have tried numerous times to correct this issue with XXXX. On XX/XX/XXXX, I received a final notice from XXXX XXXX XXXX that I owed them {$1900.00}. On XXXX XXXX, XXXX, I contacted XXXX. I spoke with ( XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, at XXXX pm who stated " 100 % you don't owe anything. '' Next thing I find a debt collection on my credit report from the XXXX reporting agencies. I have disputed collection to all XXXX agencies.XXXX XXXXOnly XXXX XXXX the collection from my credit report. The collection is still on XXXX and XXXX. I have contacted Sunrise Collections to no avail. They said they wanted a settlement... for what. I appreciate your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX  # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX - HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS BANKRUPTCY 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

I am filing this complaint because my requests have been ignored by Equifax. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy
Product: Debt collection

Repeated calls through out the day XXXX days a week. Calls are made after XXXX about XXXX a night as well
Product: Credit reporting, credit repair services, or other personal consumer reports

HXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize any of these inquiries. The
Product: Payday loan

Monkey Key Never Told Me That The Fee They Charge When You Make The Loan Also Is Charged Interest Too. And Can Bring Your Loan Pass You Iimit Which Brings You To a Higher Loan Rate For Your Loan ... They Charge Fees Before And After I Make A Payment.Leaving Me Paying Nothing On The loan.
Product: Debt collection

XXXX is reporting a account that is not mines i have sent multiple letters, ftc, police reports, the company is responding that the account is " Verified ad Accurate '' but have not sent any documents that the account is mines.
Product: Debt collection

XXXX XXXX XXXX threatened to file charges on my for fraudulent check writing and stated I would get 3yrs in jail if I didnt settle immediately for {$350.00}. Yet the never sent any Identifying info so debt can be verified. They only contacted by email no phone contact.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and disappointment regarding the unresolved issue of late open accounts and erroneous late closed and charged off entries on my account. Despite my persistent attempts to address these matters, I find it incredulous that I am now compelled to address them for this time.

I demand immediate and decisive action to correct these egregious errors. I insist that the late open accounts be rectified promptly, and any erroneous late closed and charged off entries be removed from my account without delay. Additionally, I expect any associated adverse effects on my credit score to be remedied, and any fees or penalties resulting from these errors to be waived. Furthermore, I request a formal apology for the inconvenience, frustration, and financial harm caused by these repeated oversights. With this, I am asking for your assistance to remove the charge off and late closed and correct these late open accounts or fraud items in my credit file : XXXX. XXXX  XXXX XXXX Balance Owed : {$0.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be corrected. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXX XXXX XXXX XXXX Balance Owed : {$710.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX XXXX XXXX XXXX Balance Owed : {$79.00} The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file.
Product: Credit reporting or other personal consumer reports

XXXX Calendar Days have been exhausted from the XXXX XXXX Calendar Day violation ; all negative information must be deleted ( this is the XXXX respectful request with XXXX % verifiable proof via the CFPB )
Product: Credit reporting, credit repair services, or other personal consumer reports

I called experian because they listed themselves as the reporting agency for bankruptcy on my credit after I disputed the fact that before they had the United States bankruptcy court as the reporting agency so I went to the bankruptcy court and they supplied me with a letter to experian that they do not report bankruptcy to the credit reporting agencies and they were In violation of the fair credit reporting act section 111 ( a ) ( 1 ) ( A ) because this was not my bankruptcy. I called the agency in witch they transferred me to a disput agent I informed him of my situation and he did see that I didnt even have anything on my credit to file a bankruptcy and this was a fraud situation he told me to hold then returned to the line I told him that since they are now listing themselves as the reporting agency that I would need the proof and documentation baring my signature to verify and this is now being recorded so I could further discuss with my attorney handling several fraudulent things done by my ex husband because hes the only person I know that has had my information in the past and has filed bankruptcy which had nothing to do with me but before I got a chance to inquire anything about their dispute he immediately hung up on me after I spent over 3 hours on hold because XXXX XXXX has deleted this so Im not sure why no other agency is willing to do a proper investigation supply me with documentation for the reason this is on my credit or if they dont have documentation do the proper thing and remove it. Secondly Why would a professional credit dispute investigator refuse to give me information my attorney sent them a written letter requesting it because it is my right to have the information because the bankruptcy court they claimed supplied them with the information doesnt have it and they just flat out hang up on me just because I let them know our conversation is going to be recorded if they are doing what is right then whats the issue??? I dont want to purchase their services so they want to mis report information now all the sudden that has been the same for years because I have questions about whats on my report?
Product: Money transfer, virtual currency, or money service

I am filing a complaint Against Cash App parentheses ( block, Inc. ) Due to inaccurate customer service and unfair practices, which violate the consumer financial protection at the ( CFPA ) specifically Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with air resolution requirements under the electronic fraud act ( EFTA ) and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for These violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly a collection/charge-off on the XXXX XXXX XXXX original creditor XXXX   XXXX XXXX XXXX AZ account number XXXX. ( Please see page attached from my credit report. ) This account was included in the bankruptcy which was discharged on XX/XX/2013. ( Please see page attached. ) XXXX is reporting correctly. This incorrect reporting of a collection/charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXXXXXX XXXX XXXXXXXX showroom on XX/XX/XXXX to purchase a car! I had a pre-approved load from XXXX. The Finance manager in the showroom told me that he can offer me the same interest rate from XXXX and insisted me to take the loan from them as the documentation process will be done right away! He asked me to provide my details and gave the details to him and told him that I approve only 1 hard enquiry on my credit report and will not accept multiple hard enquiries as I already have a pre-approved loan.

I have been deceived and I see 6 hard enquiries on my report which I have not approved. 

TransUnion - Unauthorized hard enquiries XXXX XXXX, XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX  XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX - Unauthorized hard enquiries XXXX XXXX - XX/XX/XXXX Please do the needful!
Product: Debt collection

SEE ATTACHED : Today my broker told me a CERTIFICATE OF SERVICE was received by my mothers employer Libertiy Communities. My mother had been trying to get me on with them but now that looks unlikely now that they have tarnished my reputation with them. I have no idea where this debt is coming from! In addition ; they thought the Service letter was for my mom. That XXXX may be her middle name. The corporate office sent it back after my mom had to explain. 

In addition : They have sent a Certificate of Service to at lease four other organizations that I am not affiliated with. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( attached ), and XXXX XXXX. 

I don't know much about this process but I know based on the CFPB radio buttons that they shouldn't be sending these things all over the place. I was told these were compensatible offenses.
Product: Credit reporting

For the past 15 months, I have noticed that EQUIFAX continues to report key factors that adversely affected credit scores. These key factors appear to be verbatim. EQUIFAX has yet to respond to these concerns. 
EQUIFAX stated that they have reviewed my concerns and concluded that I need to be specific with concerns by listing account names, numbers and nature of dispute. When a creditor sends a letter, they list the key factors that adversely affected their decision and the credit agency who reported these key factors. On XXXX XXXX, 2015, EQUIFAX reported credit scores of XXXX to XXXX XXXX Bank, XXXX to XXXX XXXX and XXXX XXXX, 2015 a credit score of XXXX was reported to XXXX. Why is there disparity in these score within the same day? I have become frustrated in the way EQUIFAX has been reporting my credit information. Why does companies continue to accept the credit agency information as gospel. Is there any way that the consumer can be a part of this decision making process? Why are these credit bureaus allowed to be a powerful influence and the consumer has no say so in whether he/she is approved or not approved. I conducted some research on my own and I found that some people feel that they are fighting a losing battle and the creditors are going to accept what the credit bureaus are providing, with no input from the consumer. Even if something is reported incorrectly, you will have to wait until the 60 days before issue is corrected. By that time the consumer could miss out of favorable credit rates. I have attached several letters that have been submitted to EQUIFAX in reference to key factors that continue to adversely affect my credit scores. The only responses received would be their investigations/reinvestigations, which does not address these key factors.
Product: Debt collection

I paid the debt on XX/XX/XXXX. I disputed account on credit report on XX/XX/XXXX. Dispute report was finalized on XXXX nothing changed even after presenting supporting documentation. The account still showing incorrect balance.
Product: Debt collection

I am not sure about the dates. But My veteran financial counselor told Me I have 2 current things on My credit. That I am unaware of and want to dispute it and get it dismissed from my 3 credit bureau reports please. One is for XXXXXXXX XXXX XXXX for the amount of XXXX XXXX Second one is for XXXX $ through quality asset recovery. I was in the military and My information was compromised in XXXX XXXX Texas on a military breech of information of soldiers. I thank You for your help in these two items that I want to dispute and remove from My credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX
Product: Credit card

I used my Apple Card for the purchase of an XXXX computer. They offered me a multi-month, no interest deal. I set up an auto pay to pay the monthly amount I needed to to ensure that I would have it paid off in the required time to not pay interest. The automatic draft on my checking account was {$190.00}. In XXXX I still owed two more payments on the computer, and I purchased an XXXX at the Apple Store in XXXX XXXX, XXXX, LA. They would not off me an interest-free deal on the phone because I could not have them activate it - I had to take it to XXXX to activate. I told the salesperson at the Apple Store that I wanted to put the purchase amount for the phone on my Apple Card and pay it it off with monthly payments, and pay interest as required. They said fine and charged the phone to my Apple Card. In XXXX I got a notice from Apple saying that they would draft an amount for the monthly amount on the computer, plus the full price of the phone on XXXX XXXX. I called Apple Card and spoke to a credit " specialist '' and told her that I didn't not want them to draft the full amount of the phone, but only the monthly amount for the computer ( {$190.00} ) and I would make online payments for the phone. She told me I would have to pay interest and I said that was fine. But I had her assure me, more than once, that they would not draft the full amount for the computer & phone, but only the amount I had been paying for the computer. She even said, " No, they will just draft the {$190.00}. I had her on speaker phone, so a friend in the room with me heard her say it. I then made an online payment ( not autodraft ) for {$350.00} towards the cost of the phone. Today, on XXXX XXXX, a draft on my checking account went through to Apple for the FULL AMOUNT of the phone monthly payment, plus the phone amount, LESS the {$350.00} I had paid online. This crashed my checking balance and my bank transferred money from a line of credit to my checking account to cover the shortage. When I discovered this this evening, I called Apple again and got yet another credit specialist who said that I had agreed in the setup of my auto draft to pay the full statement balance. I was not aware that I agreed to the when the auto draft was set up, only that they would be drafting enough each month to pay off the computer in time. When I talked to the first credit specialist ( who had access to the same information as today 's specialist, she did NOT tell me that I had agreed to pay off the full amount, and made a point of telling me that I would be paying interest and I said I knew that and was OK with it. The specialist I spoke to tonight ( and I told her that the previous specialist had assured me the auto draft amount would not be more than the amount I had been paying ) said that the previous specialist, and the sales person at the store who ALSO understood that I planned to pay monthly on it, were mistaken. And she offered me NO relief.
Product: Debt collection

XXXX XXXX REPORTED A COLLECTION ON MY CREDIT REPROT FOR {$2800.00} STATING IT WAS FOR XXXX XXXX XXXX BUT I NEVER HAD XXXX XXXX XXXX .... THEY FAILED TO VALIDATE THIS COLLECTION DID NOT PROVIDE ME WITH ANY PROOF THAT THEY HAD THE RIGHT PERSON .... INSTEAD THEY ARE NOT CALLING MY WORK AND MY RELATIVES.. I ALSO CALLED XXXX XXXX XXXX WHO DID NOT AND COULD NOT FIND ANY ACCOUNTS UNDER MY SOCIAL # ESPECIALLY NOTHING IN DEFAUL. XXXX IS A FRAUD AND ATTEMPTING TO COLLECT ON THE DEBT THAT DOES NOT BELONG TO ME. EVEN AFTER RECEIVING CEASE AND DECIST THEY KEEP HARASSING ME ...
Product: Credit card or prepaid card

I have been trying to get my account unlocked since XX/XX/2022. I have spent hours talking to them about this.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have discovered a few fraudulent hard inquiries, these hard inquiries are XXXX XXXX XX/XX/XXXX | XXXX XXXX  XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX, these inquiries are fraudulent and I request them to be deleted from my credit report, as soon as possible.
Product: Vehicle loan or lease

Dear Sir/Madam : Please find the attached photo of a letter I received from Capital One indicating that I was denied an automobile loan. However, I did NOT apply for this loan and can not reach a human being from Capital One to tell them this application is fraudulent. I do not have any accounts with Capital One and not sure I ever have. 

I've attempted to contact Capital One using several telephone numbers. I called the number on the letter and two customer service numbers to no avail. When I've called, their system gives prompts for topics. I check " auto loan '' & it tells me I was denied and it disconnects me. Because of this, I have no idea whether it was for a new or used car, what loan amount was requested, the date of the application, or anything other information. 

You will find the reference number on the letter I'm attaching as well as my address. I'm hopeful that this complaint will initiate a response to me from Capital One as soon as possible. 

Sincerely, XXXX XXXX
Product: Mortgage

I filed bankruptcy several years ago, which was dismissed in XXXX of 2014. I have since waited for Ocwen Mortgage to get my paperwork straighten out since they purchased my mortgage from XXXX. However they have just now 18 months later sent me paper fork saying that my payments are past due and that I owe them a lot of extra money. and that I have made XXXX payments in one day. I want a detailed explanation of increases in escrow and past due amounts also an stop in any other proceeding until they can explain what is happening.
Product: Debt collection

XX/XX/26 XXXX XXXX I called Cedars and spoke to XXXX XXXX We reached an agreement with a settlement offer and she was asked specifically " If paid today how long it would be until it was deleted '' Her response was it would be removed, 30-60 days was her response based on the bureaus timeframe. When asked for a deletion letter she said they do not offer deletion letters but they can send a settled in full letter. Clarification was asked for and that is when it became apparent that they do not actually delete. XXXX claimed she " misunderstood '' what had been asked. 
If she had accepted payment after promising deletion that would have been accepting payment under false pretenses. I am very upset because I almost paid this to her and if I had it would have been based on her saying it would be deleted.
Product: Credit reporting or other personal consumer reports

Experian credit bureau is not fulfilling credit services offered under membership. Membership ID # XXXX. I purchased Experian XXXX XXXX, and I am not able to " refresh score '' to show new XXXX reports and scores. Currently the only update I can view is from XX/XX/2020 on both XXXX and XXXX. I have deleted previous browser history so that can not be the problem. I have tried this option many times and just get an error message. See picture for error message on Experian mobile app. This is unfair.