23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They say they are from Nationwide Recovery Services. They are always of XXXX or XXXX  descent, they say I have debt but I check my credit regularly and have XXXX accounts in debt and excellent credit so they can only be a fraudulent company/team. They are very rude when I insisted I have no debt, then he told me he was " coming for you sooooon, very very sooooon '' which I take as a threat and blocked the number. They have called XXXX in the last XXXX weeks. They are calling from XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX Former : XXXX XXXX Current XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX Employers XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XXXX XX/XX/XXXX {$23000.00} XXXX XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX  A XXXX XX/XX/XXXX {$2000.00} XXXX  XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX  XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been contacted several times from my credit repair company re : a collection of {$110.00} that was opened XXXX, 2015. I have no knowledge of this collection and the original company ( XXXX ) could not furnish anything relating to this debt. The collection has been removed by XXXX and XXXX and while Equifax wo n't remove it, they also have not given me a reason as why they believe this collection is mine. This has been disputed several times and their only answer has been to not address it or remove it.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized credit inquiries that appear on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I formally requested an investigation into the inquiries in question and demanded that they be removed from my report if they were found unauthorized or in error.

To date, the resolution provided by your office has been unsatisfactory and has failed to adequately address the issues raised in my initial dispute. I am therefore disputing the following unauthorized inquiries again : Disputed Inquiries : XXXX XX/XX/XXXX Inquired on XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

under 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ) of the Fair Credit Reporting Act FCRA, i have noticed student loan accounts being reasserted by fraudulently updating dates to show current for instance you have on the report US department of Education saying there is an open account for the year XXXX, I didn't attend school in XXXX? I see collection accounts, open accounts, closed accounts, as current date of XXXX but was closed in XXXX but opened was opened in XXXX what that is just fraudulent, I show addresses I never lived at, different names, that aren't mine. There are even inquiries, I didn't authorize, to me everything on this credit report is fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

ON OR AROUND XX/XX/XXXX I WAS GOING TO APPLY FOR SENIOR LIVING HOUSING HERE IN XXXX XXXX NEVADA. AND THE AGENT ADVISED ME BEFORE SHE DO A HARD PULL OF MY CREDIT TO LETS LOOK AY XXXX XXXX. AND I NOTICED SEVERAL ACCOUNTS OPENED IN MY NAME ON OR AROUND XX/XX/XXXX - TO XX/XX/XXXX AROUND THE HOLIDAYS. THAT I DID NOT OPEN NOR AUTHORIZED. AFTER DOING MY INVESTIGATION THESE ACCOUNT WERE ALL OPEN ONLINE. THESE ARE FRAUD AS WELL AS THE MANY AUTHORIZED INQUIRIES ON MY CREDIT REPORT. 
I DID A STATEMENT WITH THE XXXX XXXX XXXX POLICE DEPARTMENT. WHICH HAS BEEN ASSIGNED TO A DETECTIVE I AM ASKING ALL 3 CREDIT BUREAUS TO REVIEW THE ATTACHED DOCUMENTS AND REMOVE ALL FRAUD ACCOUNTS LISTED AS WELL AS UNAUTHORIZED INQUIRIES FROM MY CREDIT FILE IMMEDIATELY.
Product: Checking or savings account

On XX/XX/XXXX XXXX secure messages were sent to Chase bank stating that I was immediately revoking ACH access to XXXX separate lenders who have scammed me and had access to my account. Out of the XXXX requests 2 were processed without an issue, the XXXX however was not properly managed and the company was able to deduct the funds from my account due to the negligence of the customer service agent who ignored my message and did not revoke the access to my account 3 days after the request on XX/XX/XXXX. I have requested repeatedly for the money to be returned immediately to my account as it is causing financial harm and they keep asking me to contact various people and jump through hoops to fix the mistake that they made. The following transaction needs to be returned to my account. XXXX XXXX XXXX XXXX : XXXX ACH debit {$200.00}
Product: Debt collection

I have disputed these charges and asked multiple times for detailed billing from these companies. I have never been sent paperwork the detailed billing. They have called and called and threatened to have me arrested and also garnish my wages and also take me to court. They also have sold my debt numerous times to several companies and the cycle repeats over and over again. The debt collectors continually hit my credit report and hurt it on an average of every 6-12 months when they sell it off to another company.
Product: Student loan

I have two student loans on my account with says im delinquent however the student loans were transferred which have ive been paying off and is in good standing. This is effecting me badly. Department if edu/naviet which was open XX/XX/2013
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( CREDITOR NAME ) never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I received an unsolicited card from Netspend XXXX. The only way to contact the company is via the activation line. I emailed them but received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX have violated my consumer rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX BALANCED {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to XXXX XXXX and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report. This is in direct violation of federal law. I do wish to keep my account open and in good standing but I am disputing the fact that I had ever been late on paying my monthly bill. The late payment is said to have occurred in XX/XX/XXXX Please See attachment. 
Account Name : XXXX/XXXX XXXX Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status Open. 
Allegedly LATE : XX/XX/XXXX XXXX
Product: Mortgage

Guaranteed Rate paid taxes for another property, not mine. They issued escrow analysis based on the incorrect taxes ( for the other property ). I have been asking since XX/XX/2020 for resolution with no results. Had to pay my own taxes to the the county to avoid having a lien put on my property. They asked for additional escrow which I dont owe, ( again related to the incorrect tax amount paid ). Have sent certified letters, spoken to at least 10 supervisors, been promised return phone calls and emails, but no one calls back. All I get is we are working on it. I have continued to pay my mortgage, taxes and escrow based on the amount before they made the error. Latest they deposited the check and marked it escrow. Received an email saying I have not paid my mortgage and put a late fee on my account. They had my tax money all along, it was their error and still did not pay my taxes. Im reporting this abusive behavior by Guaranteed Rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Date Opened : XX/XX/1994 Balance : $ XXXXate/Open Late Dates XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Credit and Compensation Dear Citi, I am writing to address a concerning discrepancy regarding my Citi XXXX XXXX AAdvantage Platinum Select credit card account, held under the name XXXX XXXX XXXX, with the last XXXX digits of the card being XXXX. On XX/XX/2024, I opened a credit card and your company stated that I would receive a {$200.00} credit as part of a promotion. However, despite this assurance, the credit was not reflected on my latest statement.

This discrepancy has caused me significant inconvenience and frustration. As a loyal customer, I expect transparency and integrity in all interactions with your company. False advertising and failure to fulfill promised benefits constitute unacceptable business practices, which not only erode trust but also demonstrate a lack of respect for your customers ' time and resources.

To rectify this situation, I demand the immediate issuance of the {$200.00} credit as promised. Additionally, I expect appropriate compensation for the time and effort expended in pursuing resolution to this matter. Enclosed with this letter is a screenshot clearly demonstrating the communication in question, as evidence of the false representation made by your company.

Please address this matter with urgency and provide confirmation of the credit and compensation immediately. Failure to do so may result in further action, including but not limited to, lodging a formal complaint with the XXXX XXXX XXXX and seeking legal recourse to ensure appropriate redress for the inconvenience and breach of trust caused by this incident.

I trust that you will take swift and decisive action to resolve this matter and restore confidence in your company 's commitment to customer satisfaction. Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

In 2013 a have singed off my paper work for withdrawal from XXXX XXXX college in XXXX XXXX XXXX, this was a recommended procedure from carrier services because I have a job offer in a different city, at that moment I was confirmed/ instructed by this school the indicated procedure to avoid any charges, I have financial aid to cover my tuition, I 'm paying on time every month for it. XXXX college have put in collection amounts about my tuition, the information provided to me at that time is completely different today. 

I did contact with the school and I 'm still waiting they contact me back with any information, contacted the collection company the ask me to contact the school. 

1. - I had completed ( on time ) my paper work for withdrawal from the college. 
2. - I had done the procedure the school recommends me to do. 
3. - Amount mentioned do not make any sense, since I only had attended to XXXX chases. 
4. - actually I 'm paying for government financial aid for XXXX dollars. 
5. - Every month ( 3 month ) at school I did a payment for the difference between what the financial aid on my tuition. 
6. - They have in my files all my paper work including my official withdrawal ; I have never stopped attending to School. 
7. - A company is calling me and sending letters about collection from this school, I have asked to dispute the amount but they say I had 1 month to do it, this company called my about 2 years and 1/2 after and they stated they do n't have nothing to do If I ca n't dispute this case because the time is expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX at least 20 times about this issue.

1. XX/XX/XXXX XXXX reporting on a closed account that was current when closed that the payment history was 120 day late. As a result my credit score on TransUnion dropped 52 points that day. - ( XXXX XXXX attached showing conns report of missing balance on a closed account and points dropping ). 

2. After several emails and phone calls XXXX responded today and said they do not show in there system that I am delinquent and information on credit report is incorrect. - ( Email attached from XXXX agent. ) 3. XXXX is basicaly suggesting the TRansUnion is fraudulently changing my credit report, because according to them they are not reporting incorrect information ( TransUnion report of XXXX account attached. ) 4. This is financially harming me, reporting incorrect information on my credit report, whether it is XXXX or TransUnion. I Need this corrected and removed immediately. 

5. Please post this on the site, Im sure there are 100 's of thousands of people this is happening to, this is preventing me from getting a home for m family.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, results from that trafficking. 

XXXXXXXX XXXX CREDIT CARD ACCOUNT Please block this information from my credit report within XXXX business days, under section XXXX of the Fair Credit Reporting Act Please send me a notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX To : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : XXXX Credit Report Complaint Dear XXXX Executives, I am writing to inform you about an issue in my credit report. Unfortunately, I have been a victim of identity theft and fraud. I have been working with you and other organizations to rectify my credit reports and other information. However, I have noticed that the fraudulent account belonging to my XXXX XXXX Credit Card has reappeared on my credit report, even though it was previously removed. 

I want to let you know that this account and balance do not belong to me. I have already taken steps to have it removed from my credit report, and I would appreciate it if you could take care of this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Report Number : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXXXXXX XXXX  To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : XXXX  Complaint You informed me that this account was removed from my credit file, yet it is still being reported. This is a continuous violation of the rules and regulations. Please remove it from my credit files immediately. 

From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX XXXX Subject :
Product: Credit reporting

I have disputed this account over 4 times. You continue to report this account and have not provide me with the verificiation I request. promptly DELETE all information which can not be verified. I intend to pursue all my legal rights on this
Product: Debt collection

Grant and Mercantile Agency are sending me letters on XX/XX/2022 saying I owe them {$140.00} because of interest charges when I had already paid off what I collected months prior on their app called XXXX. Ive been disputing them and showing I paid on time ( despite them trying to take money unauthorized out of my bank account at XXXX ), but they are now sending me letters saying I owe a completely ridiculous amount for interest. I looked online to check my credit from a link given to me from my bank and the XXXX XXXX said they would be cleared from my credit report but they keep popping up every time I get them cleared and sent me the letter two days after I got them cleared. I did further research and found out other people have also had an issue with them and have been scammed out of thousands because this company makes up random absurd expenses and tries to force you to pay them on their sketchy website. I called and no one answered as well.
Product: Credit reporting or other personal consumer reports

I was not notified that XXXX XXXX was on my credit report. Upon obtaining my consumer report, it shows XXXX XXXX as a closed account. I never gave written permission to report this account on my credit report, nor did I give XXXX XXXX the written permission to sale my debt to a third party lender. I was reached out by XXXX XXXX XXXX, a third party lender, and I paid the debt as a settle pay on XX/XX/2024. I don't owe XXXX XXXX any fees or amounts to this account. XXXX XXXX XXXX reported to the XXXX credit bureaus, XXXX XXXX to remove the closed inquiry from my credit report but the closed account, XXXX XXXX XXXX XXXX visible.
Product: Money transfer, virtual currency, or money service

Trying to link account to day trade with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card showing on my Experian credit report ( XXXX XXXX already removed it ) stating I have a delinquent account for XXXX Credit Card. I have NEVER received a card from this company, I never activated or made a purchase for with a card from this company. I have asked for proof of any activation or charges and received nothing. They are reporting a {$300.00} charge off/delinquency for an account I never had! I asked Experian to investigate and remove and they did nothing but state it was accurate. All other credit bureaus have removed and a review of my credit report would show ALL my credit card payments are made timely and this is obviously a mistake that is causing me a HUGE problem on my credit and preventing me from getting a mortgage.
Product: Credit card or prepaid card

One of the Chase offers was : " Get {$50.00} back when making two separate transactions with XXXX XXXX XXXX on wireless products or services of at least {$25.00} each. Valid in-store or online at XXXX XXXX XXXX or over the phone '' I ordered wireless products online at XXXX XXXX  XXXX. After I added this offer to my CHASE Southwest Credit card, I made my two purchases of {$26.00} each at XXXX XXXX XXXX online on XX/XX/XXXX. Still no {$50.00} credit. 
my account. Offer expired on XX/XX/XXXX, and I cant return my purchases back to XXXX XXXX XXXX. Chase denying payment. Please help me. Thanks in advance.