23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had put a hold on my health club membership at XXXX  XXXX and was told by a representative that no further charges would be forthcoming until I decided to take the hold off. I then received a bill for the next years membership fee of I believe {$49.00} ... I then called and spoke to manager and was told that I had to pay that before they would cancel my membership. I did not understand why I should pay for the next years fee if I was on hold and told nothing would happen until I decided to take it off hold. 

Next I receive notice thru XXXX XXXX that I have negative credit issue on my account. I checked it out to see that now they were asking for {$83.00} to settle my debt. I called First Credit Services at XXXX to dispute amount and attempted to settle debt today. The person I spoke with had a strong foreign accent and was difficult to understand but we agreed on {$60.00} to settle debt. He then told me he couldn't take credit card but I could pay with my bank account. I work in XXXX XXXX and know that you don't give away your bank account information to anyone. He then told me to call back in an hour and see if they could then take my credit card. I called back to settle and now they told me that the client XXXX  XXXX has put the account on hold and I can't pay it!! I explained I wanted this off my credit record but they said I would have to talk to client but they aren't even open now for business!! 

If XXXX  XXXX is forgiving debts that's one thing and that would be great but if not there is no reason I shouldn't be able to pay this now and get it off my credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I have asked this company on SEVERAL occasions to stop calling me, and if they must, to not do so before XXXX as Im asleep from working nights. Not only do they still call before XXXX, theyll call me from private or restricted numbers and hang up, call me from personal numbers and hang up, have called me and not said anything and hung up, will call and let my phone ring once or twice and hang up. And every time I call back with screenshots and voice recordings they play ignorant. Theyve been threatening me and my personal well being, and calling me 6+ times a day. I feel like Im being harassed and that I may have to soon change my number to get it to stop.
Product: Checking or savings account

I am writing to file a complaint with Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of changes and credits. This issue align with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : World Finance XXXX XXXXXXXX #, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX ; Account Name : XXXX XXXX XXXX # XXXX has violated my rights. Please remove all these accounts from all 3 Credit Bureaus.

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: Debt collection

On XX/XX/2019 I received a letter from The Nguyen Law Firm , PLC stating that they attained a default judgment against me in XXXX General District Court on XX/XX/2019 for a medical debt? 
They are saying i owe judgement for {$830.00}, Court Costs {$54.00}, and Attorney fees of {$270.00}. 
I was never served, or notified of any court date period. Had I been notified, I would have appeared in Court. 
Their total default judgment is for {$1100.00}. They are stating I owe debt to XXXX XXXX XXXX XXXX XXXX.? 
The letter is backdated, so even though it's stating I have 10 days from the date of their letter to pay them in full or they will seek wage garnishment. The letter is backdated for XX/XX/2019. 
Today is XX/XX/2019. This letter arrived in the mail yesterday XX/XX/2019. 
As a Senior, and a woman, I feel not being served or notified of this court hearing violated my rights and has taken advantage of me by making sure I would not be able to be present at this court hearing. I was never notified or given any written Validation of Debt letter.

Per Code of Virginia 8.01-2.96 Manner of servicing process upon persons, 8.01-286.1, delivering a copy of legal action, delivery to persons at residence, person executing service must notify in person, or if services can not be complete, service onto landlord. This letter has my correct address. I was never notified or served. 
Per XXXX County website, " how served '' was deliberately left blank because I was never served or notified.
Product: Credit card

Sears allows there automated attendant to call your phone excessively even when you have them note the account that your going to make your payment on a specific date because your loved one is in the hospital with XXXX and you need that money to go back and forth to the hospital. To date my loved one with XXXX passed away and Sears still kept calling insisting on a payment. Today is Sunday and my family and I were in church and I had to leave the building so that this company could menace me once more. I explained the above mentioned and was told that the reason they keep calling is because they can not get in touch with me. Newsflash, I spoke with Sears on XXXX XXXX and told them when I had a chance I would get back to them. It is unfortunate that a death and a holiday kept me from calling them. They forgot that XXXX was upon us and that my family and I were grieving. I 've asked them to note the account not to call on a Holiday or on a XXXX but I can not be sure that this will happen. Most importantly this situation of debt collection is not my fault that Sears messed up on taking the payment since my receipt and on line statement indicate that payment was received.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by EQUIFAX Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, EQUIFAX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX 1 XXXX-Date of inquiry XX/XX/XXXX 1 XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

as requested by CFPB these accounts # XXXX, and account # XXXX, and XXXX was deleted from my XXXX XXXX XXXX report but Experian will not delete as requested by cfpb to delete from all accounts please have them delete these accounts adsap
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had a fraudulent account on my report. Please remove this account from my credit report, it is hurting my XXXX XXXX and making it difficult to obtain credit. Account listed below. 

XXXX XXXX XXXX  - # XXXX
Product: Credit card or prepaid card

When researching online for a promotional 0 % APR on purchases for the first 15 months, MasterCard through Bank of America was one of the options that came up. I choose this card because it was specifically for purchases and was going to use it for an upcoming trip and school. I applied online for this card and was approved. For my first billing cycle, I was not charged any interest. However, for the second billing cycle I was charged interested. I called the number on my credit card, and after explaining what happened was told by the representative that it was a mistake and she apologized for this error on the side of the company and transferred me to another department so that they could take care of it. This first conversation happened on XXXX XXXX 2017 at XXXX XXXX. When speaking with the second person, I was told that the card I applied for was only transfers. I explain my situation again and told him the first representative acknowledge the mistake. He continued to tell me there was nothing he could do.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote several letters to Equifax and the creditor XXXX XXXX XXXX to verify the inaccurate information that they are still reporting to my credit report. It has been over a year and I still havent got a response from them. I have sent certified letters to Equifax on the dates of - XX/XX/XXXX and XX/XX/XXXX. Also sent letters to XXXX XXXX XXXX and they picked it up at USPS on the dates of - XXXX XXXX and XX/XX/XXXX Upon this date of XX/XX/XXXX they still havent respond to verify the inaccurate account that is reporting on my credit which is XXXX XXXX XXXX. Please delete this item - XXXX XXXX XXXX - from my credit report as soon as possible. There was no real investigation on both their parts and still havent respond for a whole year and a half with verification. Federal law requires them to respond within 30 days yet haven't responded for a whole 365 days plus. Equifax is going against my consumer laws for still having inaccurate items reporting to my credit report One of the few laws they failing to abide by [ 15 USC 1681E ] and again they STILL HAVE NOT RESPONDED FOR MORE THAN 365 DAYS which is CLEARLY breaking the validation law so I am in the process of suing them for defamation of character. 

Copies of my letters and receipts to both Equifax and XXXX XXXX XXXX will be attached please look at the dates PLEASE DELETE XXXX XXXX XXXX FROM MY CREDIT REPORT.
Product: Debt collection

This is my 4th complaint against Contract Callers. A collection was re- added to my credit report on XXXX XXXX. These collection companies must be stopped. As done before, a complaint was filed against Contract Callers who illegally put a collection on my credit. Is this company permitted to collect from Florida residents? Even if they now are, I am affected by the pandemic and out of work indefinitely. Please stop this company from contacting me and harassing me after the last CFPB complaint or I will find a free law service to help me file a harassment lawsuit. My last complaint was filed XX/XX/2022. Why is this activity from this company allowed. I never received mail correspondence from them. This is illegal what they are doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my home was approved for a short sale; the sale was completed on XX/XX/XXXX. In XX/XX/XXXX, my credit rating dropped over 100 points because my credit report showed that I had missed two mortgage payments- this, long after the short sale had been completed.I spoke with Bank of America, who said they couldn't correct the error because I was no longer a customer.I filed a complaint with the cfpb and and XX/XX/XXXX was sent a letter from Bank of America stating that they had resolved my issue. The issue has not been resolved because I'm still seeing the negative item on my credit report.
Product: Checking or savings account

On Saturday XX/XX/year> I made a mixed deposit at the drive through window at the XXXX MA Santander bank. It contained {$500.00} cash in $ XXXX and {$50.00} bills, plus 2 checks each for {$200.00}, a total of $ XXXX.My deposit slip had this information written on it. The teller took my deposit, processed it somewhere else in the bank, came back several minutes later and asked if there was anything else, I replied no, just the deposit. She gave me back my ID and a slip, which I did not look at. The next day I did online banking and noticed the deposit was for {$400.00}, the amount of the checks, no mention of the currency. I went to the bank on Monday XXXX, XXXX  and talked to the manager, XXXX XXXX XXXX. He mentioned he had been on vacation and was unaware of any issue from Saturday. He pulled the paperwork from the back office which contained the slip listing {$500.00} cash and {$400.00} in checks. He attempted to locate the discrepancy but said there was no obvious indication where the money was applied. I asked why the teller didn't question me about the cash if it was not there. His response was that they do not really look at or go by the slip. He said the next step would be review camera footage but that would have to be initiated by higher up in the organization. He assured me he would keep in touch informing me of any results. On Friday XX/XX/year> I called XXXX XXXX since he had not contacted me. I was told that only one image had been found of me putting the deposit in the drawer. He said it was inconclusive since the deposit slip was on the top and no money could be seen. He said it was an internal investigation and they were still working on it.. This has been over a week with no other communication other than what I have initiated. I asked that someone involved in the investigation contact me but that has not happened. This is totally unacceptable that {$500.00} can disappear with no consequences.
Product: Credit reporting or other personal consumer reports

This is my 4th attempt that I am a victim of identity theft and I submit this request to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Due to the coronavirus epidemic, XXXX XXXX County is shut down which has caused a loss of business and therefore a loss of income. After watching President Trump address the nation and letting us know that our mortgage companies and other companies are working with Americans to help in this difficult time, I called Specialized Loan Servicing to find out how they are helping its customers. I explained my situation to XXXX in their XXXX Office. XXXX explained that SLS was  offering a 1-3 month forbearance to it's customers. There would be no late charges or reporting on our credit. BUT here 's the catch after the three month forbearance is up all monies are due for the three months mortgage. I asked how is that helping someone that is setting the consumer up for failure. My mortgage is {$3400.00} a month and to come up with three months at one time would be impossible it would put me in the danger of foreclosure. I asked why wouldn't the company simply put the three months at the end of the loan they would still effectively get their money. They did not have a valid response. 

In this unprecedented time it is shameful that Specialized Loan Servicing would take advantage of its customers by claiming to help but actually putting them in a worse predicament. If they are going to help they need to offer tangible help by allowing consumers to put these payments on the end of the loan. No other option of help was offered to me by SLS so I am not sure if their are more available options. 

You're attention to this matter would be greatly appreciated.
Product: Mortgage

I have attached all of the paperwork from FBC concerning an overage of my escrow account. I also have screen shots of the online chats with reps. I was supposed to receive {$520.00} overage as of XX/XX/XXXX which also documented my new monthly payment. When I called at the end of XXXX, the rep told me I couldn't get until I made my XXXX payment which goes against the 30 day payout law that they have breached ... THEN On XX/XX/XXXX, I went to online chat on their website, i got the first answer of it will be mailed out by XX/XX/XXXX ... then on XX/XX/XXXX, the chatroom rep told me no overage and that a {$500.00} payment to ME had been applied to the back end of the loan. NONE of the numbers on the attached paperwork add up to what they are trying to tell me, I have requested a call back FOUR TIMES and no one has called. They can not answer the question of WHERE is the money and WHY a payment of {$500.00} was made to the loan. I have requested a transcript of all the calls I made and the last rep told me to get a subpoena! I am APPALLED at the lack of knowledge, respect AND customer service. I am EXPECTING my overage payment of {$520.00} PER THEIR OWN LETTER AND FIGURES!!! This is absolutely ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX This account may be hurting your score Account Details Status Derogatory Date Opened XXXX Last Payment -- Balance {$0.00} Limit -- Date Closed XXXX Monthly Payment -- Worst Status Unknown Responsibility Individual Account Number XXXX Late Count -- XXXX / XXXX / 90 Days Late -- Date Reported XXXX Remarks XXXX XXXX bankruptcy Amount Past Due No Info High Balance {$93.00} Terms -- Account Type Charge account XXXX XXXX XXXXXXXX This account may be hurting your score Account Details Status Derogatory Date Opened XXXX Last Payment XXXX Balance {$0.00} Limit -- Date Closed XXXX Monthly Payment -- Worst Status Unknown Responsibility Individual Account Number XXXX Late Count -- XXXX / XXXX / 90 Days Late -- Date Reported XXXX Remarks XXXX XXXX bankruptcy Amount Past Due No Info High Balance {$100.00} Terms -- Account Type Charge account This account may be hurting your score Account Details Status Derogatory Date Opened XXXX Last Payment -- Balance {$0.00} Limit -- Date Closed XXXX Monthly Payment -- Worst Status Unknown Responsibility Individual Account Number XXXX Late Count -- XXXX / XXXX / 90 Days Late -- Date Reported XXXX Remarks XXXX XXXX  bankruptcy Amount Past Due No Info High Balance {$98.00} Terms -- Account Type Charge account
Product: Debt collection

I received a collection on my credit report that definitely isnt mine and when I called and asked about it they said it was but its not. 
Account opened XX/XX/2018 with Jefferson Capital Systems for a collection of a debt that isnt mine the original company is XXXX
Product: Debt collection

Someone stole my identity to make purchases using my social security number, credit and debt cards. I contacted the police and report was filed and suspect was charge with Theft. I requested all credit bureaus to file a formal fraud complaint.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. ALLY FINCL XXXXXXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Money transfer, virtual currency, or money service

Cash app. Put money in cash app and used cash app to buy bitcoin on was charged a fee that shouldn't have
Product: Debt collection

I contacted XXXX last week to finish XXXX XXXX. They then told me I had to pay a remaining balance before we could finish. I pulled up my account online and it shows XXXX balance. I thought it was accurate as it went through my FSA. 

Now, a few days later, this company put collections on my credit report. They have never contacted me.