23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

In XX/XX/2019, I purchased a XXXX  molecular hydrogen water machine from XXXX XXXX as I was approved to be member of a case study which they failed to honor ( not my main concern ). My concern is when I learned that the machine wasn't performing at advertized specifications of 6ppm of molecular hydrogen verses the 1.5ppm as I tested personally with a titration technique. I contacted them with no reply for weeks. The device, also began later to emit a foul order which is indicative of mold. I contacted the company again and the CEO XXXX XXXX answered, he basically wasn't concerned and told me I'm wrong. I'm a XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX, I'm well aware of how to maintain a water system and how to conduct a titration method to determine levels of an analyte. The system isn't safe. XXXX promised that quarterly service would be conducted which is completely false as well as I've learned from a social media group that I've recently joined. No filter replacements nor UV lamps are offered through the company website, which no water filtration system can be viable long-term without either replacements. I'm well aware numerous others have filed a complaint against XXXX or UCFS through this office so I'm basically following suit. I'm requesting XXXX accept a return of the XXXX XXXX system and return the loan they brokered through United Consumer Financial Services. I received a letter however from the lender today date XX/XX/XXXX instructing me to not attempt a return of the device to the manufacture ( XXXX ) as this well not relieve me of the financial obligations. I don't understand why I can't return the machine and attempt to have XXXX return the borrowed amount. The reason I'm reaching out requesting assistance is, I do not have the financial means to absorb a XXXX dollar loss of a machine that is probably refurbished ( not new as advertised which explains how it became moldy in less than 90 days of possessing it ). If the device was under {$500.00} then I wouldn't expend the energy but I'm responsible for a loan of XXXX, that XXXX arranged for a poorly made machine. I greatly appreciate the assistance of this office. I'm understandably upset with UCFS the lender, I've never encountered such a situation. If they wish to take possession of this non-functional machine, I'll gladly pursue that option but I don't wish to make payments on a device that isn't functional. On an additional note a suit has been filed against XXXX by another lender XXXX XXXX ( another financial institution XXXX used ) in the state of Georgia. My desire is that UCFS follow that course not harass it's XXXX victims. 

My sincere thanks in advance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian does not report 2 credit card accounts I have had for years. account ending In : XXXX and account ending In:XXXX Experian deleted my accounts that I have with XXXX XXXX XXXX . I have not ask or requested to Experian to delete my accounts that are active. It seems I had this problem with Experian before with this same issue.
Product: Student loan

Missed payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. But on my credit report it states I have a total of 54 missed payments, not 9.
Product: Debt collection

XXXX University is charging me {$3000.00} after I withdrew from their program, never completed even XXXX course credit. I was told that I could easily withdraw from the program if it did not meet my needs without owing anything. I am paying on Student Loans that were dispersed to them to pay for the couple of months I was enrolled even though I was not participating and still they are wanting to collect this astronomical amount beyond what has already been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a claim with a credit reporting agency about the accuracy of a debt that states the account is in past due. The account shows a charge off status in XXXX of XXXX on XXXX bureau but continues to report as a charge off in the current months. I have not ever received a 1099c for debt cancellation. Why is this account being reported with XXXX different dates of last activity? Delete account for inaccurate reporting. 
Date of last activity on this account shows current, which is inaccurate. The past due balance is inaccurate since a charge off account can not have a past due balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter over 30 days ago requesting that incorrect information be removed from my credit profile. The company has yet to respond and provide proof that these inaccurate accounts were actually created by me. .Having these items on my credit report is negatively impacting me and it is frustrating and alarming that this company is not even putting the effort in to help me rectify this situation. Please assist me with this request.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL CRA REPORTING PUBLIC RECORDS ON CREDIT REPORT ... I NEVER HAD ANY BANKRUPTCY AND ALL AGENCIES REPORTING INCORRECT " PACER '' DATA ON FILE/ NOT MY ACCOUNT ..CASE # XXXX..VIOLATES FCRA PROVISION 604,605,607,611 AND 623 ( A ) ... REMOVE FROM CREDIT REPORT ASAP [
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE UNAUTHORIZED AND ARE ILLEGALLY ON MY REPORT : XXXX XXXX XXXX XXXX XXXX C/O  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

See prior case # XXXX and attached XXXX response As noted in my prior case, I am still missing over {$50000.00} initially deposited with XXXX on XX/XX/XXXX via my ACH transfer from my Capital One savings account. When I initiated another transfer of {$75000.00} between the same two accounts due to XXXX 's higher interest rate, that transfer caused XXXX to flag my account as potentially fraudulent, and will take up to 60 days to close my account and return my initially deposited {$50000.00} plus accrued interest. 

In XXXX 's attached response to my prior complaint received on XX/XX/XXXX, it suggests that I notify Capital One to initiate a request for the return of my funds ( please refer to attachment for their exact verbiage ), so this new complaint is doing just that and as suggested by a CFPB rep to me this morning via phone -- I request that Capital One initiate a request of XXXX to transfer my full account balance with all accrued interest thru account closure date to my Capital One savings account. 

XXXX 's lack of transparency in this matter has been appalling, and since my account has not been closed yet as confirmed by XXXX, accrued interest is payable thru account closure date.
Product: Debt collection

I keep getting calls about my wife when she has sent them letters explaining identity theft and to stop contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX 2019
Product: Checking or savings account

On XXXX XXXX opens a 9 months cd for 5 % interest rate. When I went to collect on XXXX XXXX, I was given only {$5.00} ( XXXX instead of 5 % ). I spoke to a banker about it and he called support and opened a case. Chase agreed to pay me {$560.00} the difference for the error they made. I was told to go to the bank and speak to the manager and have him email certain department at main Chase bank. I did as I was told. 4 weeks later I went to check on my refund. The manager did not know why the delay in refund. He filed another cd correction form and gave me a copy. It's been 5 weeks since he filed the cd correction form and no refund yet. I tried to call the bank with no answer. Chase said someone will call me but nothing happened. I feel like I am begging for my money. 10 weeks and I have yet to receive my money. Chase bank sucks royally!
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect personal information on my credit report.. 
Incorrect name and address on my credit report... 

correct information on my credit report should be as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company is suing me for a debt that has not been verified to be mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX XXXX XXXX {$76000.00} XXXX  XXXX {$1500.00} XXXX  XXXX  XXXX {$66000.00} XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX {$230.00} XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX XXXX {$49000.00} XXXX XXXX XXXX  XXXX {$87000.00} XXXX XXXX XXXX {$64000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Thel following accounts reflect incorrect information on my credit report and should be deleted and removed : XXXX XXXX balance {$2800.00} XX/XX/2023 Disputed account via my credit reporting agency Experian XXXX XXXX XXXX balance {$640.00} XX/XX/2023 Disputed account via my credit reporting agency Experian XXXX XXXX XXXX balance {$4300.00} XX/XX/2023 Disputed account via my credit reporting agency Experian XXXX XXXX XXXX XXXX {$400.00} XX/XX/2023 Disputed account via my credit reporting agency Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America reported to XXXX XXXX that I did checking account fraud on my report and never sent any documentation to me about anything. The account was opened in XXXX where I did reside and then I did move to XXXX XXXX Mo shortly after opening the account and still had the account and was never told anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with JEFFERSON CAPITAL SYST, XXXX/XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, JEFFERSON CAPITAL SYST, XXXX/XXXX, and XXXXXXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit card or prepaid card

US BANK OVERDREW MY ACCOUNT THREE SEPARATE TIMES BY ATTEMPTING TO PROCESS CREDIT CARD PAYMENTS FOR OVER A XXXX DOLLARS ( {$1000.00} ), MADE MY CHECKING ACCOUNT HAVE A NEGATIVE BALANCE FROM REVERSAL OF RETURNED PAYMENT FEES, CLOSED MY CHECKING ACCOUNT, REDUCED MY CREDIT CARD LIMIT FROM XXXX XXXX DOLLARS ( {$1500.00} ) TO XXXX XXXX DOLLAR XXXX ( {$500.00} ). 

SINCERELY. 

XXXX XXXX XXXX XXXX.- XXXX
Product: Debt collection

On XX/XX/2022 I was left a message on my cellphone by DA Services XXXX XXXX XXXX regarding an alleged debt. I have never been notified of this debt ; this company is not licensed in XXXX to collect a debt. I have been harassed about a debt I know nothing about.
Product: Checking or savings account

Chase Bank advertises on XXXX XXXX XXXX that one can open a checking and savings account online and receive a {$350.00} bonus. As the nearest Chase Bank location is a long way from my home, I tried several times to open an account online. 

I have had a Chase Bank credit card for over a decade, but am a new banking customer. 

The first time I tried to open an account, the web page asked if I'm an existing Chase customer. I clicked on 'yes ' and tried to log in but it did not recognize me as an existing customer. So I input all the required information and got a message " We were unable to open an account for you. '' I phoned Chase customer service and was told that my credit cad was in good standing, and they did not know why I couldn't open an account online. The rep suggested that I come into a branch, and I explained that there is no Chase bank a reasonable distance from my home. 

The second time I tried to open an account online, and when I input my information, the web site said some information was missing, but did not state what information. " It looks like you've missed some required information. Please try again. '' I had entered all the required information. 

Chase is engaging in false advertising by stating that it is possible to open an account online.
Product: Credit card or prepaid card

I CALLED FOR DISPUTE AS A XXXX PERSON AND WAS REFUSED A CHANCE TO XXXX  AND WAS FOUGHT WITH WHEN I COULD NOT XXXX HIM. 

HE WAS VERY RUDE AND NASTY AND TOLD ME TO CALL BACK. HIS NAME WAS XXXX AND SO RUDE. 

AT FITST HE SAID NO ONE HAS HABD SETS AND HE SAID HE FINALLY GOT ON A HAND HELD PHONE BUT IT WAS HORRIBLE. 

HE DID NOT CARE AT ALL. 


HE WAS ABOVE RUDE AND VERY NASTY TO ME. I HAVE IT NOTED ON MY ACCOUNT, NOW THE SECOND PERSON IN DISPUTE IS REFUSING HELP TOO.
Product: Debt collection

I began getting calls regarding debt owed to an apartment complex that I moved out of. The debt collector, Hunter Warfield stated that since I did not do a final walk through at move out, I owe an amount of {$560.00}. I never received anything in writing from them regarding this debt. When I called to try to settle the debt, I asked for an agreement in writing. They refused to put anything in writing and stated that once I pay, I will receive an email with a code to retrieve confirmation of my payment within 24 to 48 hours. Hunter Warfield continues to report the debt to the credit bureaus continuously. They mentioned on the phone that they do not own the debt but are trying to collect on behalf of their client, the apartment complex. I am more than willing to settle this if they can prove that they are legally authorized to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, you are not taking this seriously. I sent multiple disputes in regards to these issue. Don't force me to believe that your report is accurate. Technically, the report is incomplete and unverifiable. I gave you enough time to prepare all the documents to prove this on me but you've failed. You are now demandedby the law to remove this inaccuracy from myb credit.
Product: Credit reporting or other personal consumer reports

on XXXX XXXX file disputes with Equifax on 7 accounts 1. bankruptcy XXXX being reported on mi credit file & report. Aswell as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking Equifax their Method of verification and the results of their investigation on all accounts. I have sent Equifax a copy of my State ID and a Water Bill please see the Dispute letter dated XXXX XXXX & XXXX XXXX both of my dispute letter came with My State ID and water bill to my home with the address On XX/XX/2023, I received a letter from Equifax asking me for a copy of my State ID and a utility bill this is a game that Equifax that is playing with me Eqifax has fail to following the 15 U.S.C 1681 I ( a ) where the investigation? also, I contact the bankruptcy court in person as well as the clerk and i was inform the court does not reporting to the credit reporting agencies or due any verifying or validating please see letter dated XXXX XXXX in my disputes to Equifax. XXXX fail to conduct a proper investigation under 15 U.S.C 1681 ( I ) ( A ) I also inform Equifax that I do Not Consent to E Oscar Verification. Eqifax is violating my consumer rights, and this must stop.asking the CFPB to hold Equifax accountable for their actions.
Product: Debt collection

On XX/XX/2017 at XXXX XXXX with Weinberg Mediation group left a threating voice mail message with a false case number and threat to sue me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT.I 've proactively remembered this report from a past letter and I am including it oncemore. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This complaint against the Bureau was previously closed. Please re-open this complaint XXXX. In reviewing the invoices that this company attached these invoices belong to a XXXX XXXX in XXXX Florida. Please review the invoices attached that the company attached to the complaint. The address is XXXX XXXX XXXX XXXX Florida XXXX. I never lived in Florida.
Product: Credit card

I received an offer from Capital One for a XXXX XXXX credit card that came with XXXX frequent flyer miles and interest free XXXX months upon spending {$500.00} on the card in the first 3 months. I applied for the card and Capital One accepted my application and sent me a card. Before using the card, I confirmed the offer with XXXX from Capitol One on XX/XX/XXXX. I placed {$1300.00} on the card. On XX/XX/XXXX, I talked to XXXX from Capitol One to find out when I would get the frequent flyer miles. He told me that I would not get the XXXX frequent flyer miles. He started a case # XXXX. XXXX from Capital One called me on XX/XX/XXXX and told me I would not get the offer but did not provide a reason. I then went to the Capital One store in the XXXX XXXX XXXX. I explained the issue to one of the credit ambassadors. The ambassador agreed that I should get the offer. They connected me with a manager ( XXXX # XXXX ) who did not resolve the issue. The ambassador then connected me with a second manager XXXX XXXX XXXX XXXXXXXX ) who also did not resolve the issue. In summary, I received an offer, I confirmed the offer, I accepted the offer, I charged expenses to the card under the offer, and then I was told I would not get the offer. I would like assistance in getting them to honor their offer.
Product: Credit reporting 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 for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AGAIN, XXXX is reporting inaccurate information on my credit report. They are reporting a BALANCE on a Charged Off Account!!... This is a serious violation and after the numerous disputes made my have most gone unresolved. Review the attached documents, an insert form Experian 's manual, it Clearly says XXXX can not report a Balance on a Closed Account!
Product: Credit reporting or other personal consumer reports

These accounts are inaccurate and fraudulent and should not be on my consumer reports. I am demanding these accounts to be deleted asap. 

XXXX {$300.00} XXXX {$540.00} XXXX XXXX {$660.00} XXXX XXXX XXXX {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt on my credit report of {$1800.00} from a company called XXXX XXXX XXXX Says it was opened on XXXX XXXX, 2013. It was purchased from another company called XXXX XXXX XXXX XXXX. It states that the original balance was {$2400.00}. I have no idea who either one of these companies are. I tried to find out if there is another original creditor. I also asked if this was mine, when was the last payment that I made? Does this company have to give me this information? Can this fall under time-barred?
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX