23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Background, I had a small business telephone account with XXXX XXXX XXXX. I had XXXX XXXX XXXX XXXX XXXX on the account. Account number is ( was ) XXXX. Subsequent to my XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I cancelled the service with XXXX XXXX XXXX that same XXXX. 
In XX/XX/XXXX, I received a bill from XXXX XXXX XXXX. I called and after more than XXXX XXXX mostly on hold, it was discovered that the phone service stopped but the XXXX service continued, including the service on my XXXX XXXX XXXX 
I was told that it was corrected, and they apologized. 
Then in May I received another bill, the same amount {$71.00}. I called again. The same thing, mostly on hold this time for more than XXXX XXXXXXXX XXXX and transferred around to many different individuals. Same result, Iwas assured that it was corrected, and they apologized. I never received written confirmation to the adjustment or corrections that were made for any of the time I spent on the phone with XXXX XXXX XXXX personnel. 
XXXX XXXX, I received a notice in the mail from Prince Parker & Associates XXXX Inc a debt collection agency. The reference # XXXX dated XX/XX/XXXX. 
I called the number to dispute the charge. The person related they do not have any of the records from XXXX XXXX XXXX and could not address the dispute. I was then told " just pay the {$71.00}, it is a such a small amount and not waste any more time trying to make it go away ''. 
I can only say that in good conscience, I tried to handle this matter properly. And it is true that after the many hours I have spent, worth far more that the {$71.00} it seems foolish. But I did my best to amicably end the partnership with XXXX XXXX XXXX. Shame on XXXX XXXX XXXX for continuing to remind me of the grief we have. 
Each time I have contacted XXXX XXXX XXXX  and after the conclusion of each of the numerous contacts with the tens of XXXX XXXX XXXX XXXX, I was asked if I would leave a positive response to the service provided. I am sure, if the right people know how matters such as mine are being handled at XXXX XXXX XXXX they would address it and at the least would certainly follow up with written confirmation of handling matters instead of things coming to this. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I used Experian Scenario calculation to improve my credit score paid {$13000.00} only to get 2 points add on to my score not XXXX as per there calculations also I pay for Experian service, this is clear false advertising I called Experian spoke with representative asked why they don't correct my reporting times on report and also why my score did not go up after doing what there scenario suggested. She proceeded to tell me that I need to call fico to find out why asked for number she said don't have look it up
Product: Student loan

I was also forced into forebearance, not offered alternatives and have been paying loans for 10 years with no tangible result. High interest rates, capitalized interest, and mucky repayment structures dont allow a borrower to understand their debt and optionns.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below belong to a XXXX XXXX XXXX. I am not XXXX XXXX XXXX. I have provided support to the Credit Bureaus proving my identity. I have also submitted a police report, with regard to this account and the name, XXXX XXXX XXXX XXXX XXXX being used with my SSN. The credit bureaus have failed to investigate this account and have not provided me with any of the requested support. They have also continued to report this fraudulent name and account on my credit report. 

Chargeoff for this account is duplicated each month and continues to report on my credit report. The " date last active '' also continues to change each month. According to the FCRA, the account details can not be changed after 180 days of the account being late. The account is continuously updated, though it was charged off in 2018. 

Account information : Creditor : XXXX XXXX XXXX  Account : # XXXX Amount : {$3300.00} Please remove this fraudulent account and inaccurate information from my credit report immediately.
Product: Debt collection

Non stop repeated phone calls. no messages, calling family members phone numbers, not sure how they got the numbers. calling form unknown numbers. text messages to family members. calling on sunday mornings. called on XXXX   sunday morning. weekends. all times.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Resurgent Receivables LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Subject : Follow-Up Dispute of Collection Account Request for Method of Verification To Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report under the account # XXXX. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : 1. The method used to verify the accuracy of this collection account.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ).

Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

ive sent in dispute letters to XXXX  in the month XX/XX/XXXX and XX/XX/XXXX, the account was removed from my credit profile than added back on there again a month later. they removed the account and added back on there that's unfair. the account is with discover financial services and the account number is # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XX/XX/2022, XXXX and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX i believe it was reporting in error.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts appear on my credit report without authorization ; please remove them immediately.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ny XXXX XXXX XXXX XX/XX/XXXX * Early Warning Services , LLC * Attn : Consumer Services * XXXX XXXX XXXX XXXX * XXXX, AZ XXXX Request to remove accounts from XXXX XXXX Dear Early Warnings I am writing to formally dispute the accounts listed on my credit report associated with my name, XXXX XXXX XXXX XXXX : XXXX ). I have previously sent multiple letters requesting proof of documentation for these accounts, specifically regarding the following : XXXX XXXX XXXX Account # XXXX Open Date : XX/XX/XXXX As per the Fair Credit Reporting Act, I have the right to request and receive verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 

Therefore, I request that these accounts be removed from my credit report immediately upon your receipt of this letter, as you are required to provide proof of the debt, which has not been furnished. 

Please investigate this matter and provide me with a written response regarding the removal of these accounts. If no documentation is provided to substantiate these debts, I expect these entries to be deleted from my credit report promptly. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

A charge was made on my Barclays XXXX in XXXX which I disputed. by calling the number on my card. They said they couldnt resolve at that time, to call again during business hours. I did so the following week, they said they would forward my complaint to to the fraud department. I called again, they said they never got the complaint. I called again, was on hold for over 30 minutes, operator came on, call immediately disconnected. Variances of this continued to occur from XXXX to XX/XX/2020. I cancelled my card in protest because I told them I lost trust in their services and are practicing predatory lending as I continued to receive bills with late fee charges. In XXXX I was told I needed to send my statements to the fraud dept. I asked why they couldn't do it, it is their own system. They gave some convoluted response. Information faxed to them three times, each time I call after it is faxed they tell me I have the wrong Fax number. Everytime i am on the phone with them it is a 15-20 minute wait time, then another `5-20 minutes of the same questions and silence about account numbers, and who I need to speak to, but when transferred, call is dropped. I have done everything they have asked, done my due diligence, and they cont to charge me late feels on a XXXX dollar charge I have been disputing for seven months. It has affected my credit score in a negative manner and they have no intention of resolving it and continue to drag it out without even so much as a case number. For XXXX  months. Over a XXXX dollar charge. I now have XXXX dollars in late fees and a credit score that has dropped XXXX points because of them. 
FAX numbers given by their 'customer service ' people include : XXXX also XXXX and XXXX first fax bounced. Called barclays, they said it was the wrong number, given second number which went through. No response for 4 days. Called XXXX, told I had to call back during business hours because the fraud dept was not there. Called again, spent 23 minutes on the phone, given the third number, put on holds intermittently for up to 7 minutes at a time, then disconnected, again. This is affecting my credit rating and judgement by other lenders during a pandemic and it is not okay. XXXX
Product: Debt collection

Continual phone calls from ARstrat XXXX XXXX XXXX XXXX about a supposed XXXX  debt. One of their phone numbers is XXXX.
Product: Money transfer, virtual currency, or money service

Please refer to my complaint ( XXXX ) on XX/XX/2017 against XXXX XXXX. Spoke to XXXX ( Level 2 support ) for around 18+ minutes during XXXX to XXXX XXXX   CST. Have the entire recorded conversation and could share with you. 

Previous complaint XXXX My tenant sent me the rent via ACH using his XXXX XXXX account using XXXX. I got an email that I am receiving this money and i clicked on that. Just to check the status - i logged into the account. It had my XXXX XXXX   checking account. But then XXXX asked me to switch to XXXX ( their so called easier and faster platform ). There were no documentation in terms of the consequences of doing this. When i did that - i come to know that XXXX is only mobile based app - it's not something that can be done via computer browser ... it's strict no no for me. Worst thing - it cancelled my XXXX profile and cancelled my incoming transfer. Out of frustration - i called the toll free # at around XXXX XXXX central time and happen to talk to XXXX and XXXX ( supervisor ) about it. But talking to them was the most hopeless thing in the whole world. Few questions : 1 ) Why in the world they are forcing customers to switch to the new platform? 2 ) Ok, you can ask customers to switch to the new platform - but why you are cancelling their existing money transfers? 3 ) With the platform change - their IT or operations should have done the heavy lifting task to migrate the customer profiles and money transfers rather than passing the entire burden to the customers to do that. Moreover they negatively impacted all the customers. This is plain simple ridiculous. Customer service seems to be operating from XXXX and doesn't even know how to deal with customers in this kind of situation. They are taking customers for granted. 
============================================================= Till now this issue is going on. 
My payments ( made to my cell # ) some times goes to XXXX XXXX and sometimes to XXXX XXXX. I have to maintain two accounts and it's a lot of hassles. Nobody ( XXXX, XXXX XXXX and XXXX-XXXX is taking the accountability and responsibility ). 

I want old fashioned ACH transactions with ABA Routing # and the A/C # s - at least it was clear, non ambiguous, no buggy and we were aware - what's going on. 
XXXX - has no non mobile interface. People like me who are not that comfortable with the mobile screens are struggling. 

Moreover XXXX App - doesn't even shows you which account it is associated with and how to change it to something else. It's something which is untested and not even ready to be used for real world and introduced a lot in hurry. 
It's very dangerous and chaotic. 
Worst wait time on the support is too much ...
Product: Credit reporting or other personal consumer reports

The information is inaccurate.I do not owe this company any money.This company Hunter Warfield now called XXXX XXXX  have been on my report for over 5 years and I keep disputing the allegations but I keep getting denied.I lived on the first floor and water came down from the third floor.I kept calling the company and left voice messages but no one responded.The fire department shut off the electricity because they didnt want to take chances of anyone getting electrocuted.The water was ankle deep.Me, my granddaughter and my daughter spent one night in a hotel.When we got back home the apt was stinking.Still no one showed up or called me back.This was XX/XX/XXXX of XXXXI didnt pay XXXX rent because of this situation.Surprisingly they took me to court in XXXX for non payment.I paid what was owed which was {$700.00} .I get a letter stating that the company is taking possession of the property on XX/XX/XXXX of XXXXGuess who showed up on the day of possession? The same people that refuse to answer my calls.Funny thing is that this was put on my credit report the same month they took me to court.I do not owe them $ XXXXThis is the amount for the clean up because my rent was paid.I am not paying for something that is not my responsibility.The tenants on the third floor were complaining about water coming from the tub and toilet and they refuse to take care of the problem.It sounded like rain was falling but on the inside of my apartment.
Product: Prepaid card

On XX/XX/XXXX  I was working with my social worker to set up the Direct Express Application on my phone because the only way I had to check my balances before was to call in and they told me my available balance. I was unaware I could install an app and see everything laid out. When I installed the app I saw a lot of transactions that had been made online that were definitely not me. I had never even heard of the things. My social worker helped me with calling Direct Express and filing the complaint. They told me to cancel my card and get a new one sent, so I did after I took my remaining cash out so that I had money to live on while I was waiting for the new card to be sent. My social worker and I sat on the phone with Direct Express and emailed them exactly as instructed by the person that we spoke to on the phone. The email was the list of unauthorized transactions that had started on XX/XX/XXXX  and continued until we noticed it in XXXX. The amounts ranged from {$1.00} to {$59.00}. There were 5 transactions in XX/XX/, 9 in XX/XX/, 4 in XX/XX/, and 5 in XX/XX/. Direct Express replied to my claim via mail about a week later and told me that they would not refund any of the transactions because it was past the 120 day cut off. My social worker assisted me with calling and talking with supervisors and managers on XX/XX/. One supervisor said it was passed the days allowed to file a claim and we informed them that it was not and asked for a manager. The manager said that because in those previous months I had accessed my balance from my phone that indicated to them that I authorized the transactions. I told him I did not authorize the transactions and he told me " that is just hear-say. '' I got so frustrated after being transferred multiple times and told a different version of the past two excuses as to why they were not going to refund me for the fraudulent transactions. I am a XXXX single woman that has a very limited income, I can not afford to just lose {$750.00} because this company is taking advantage of my XXXX. I told them that I was going to file a complaint and they told me " good luck. '' They were very rude and I felt very taken advantage of. I explained to them about not knowing how to use the app, and when I learned I reported the unauthorized charges immediately and followed their directions with the help of my social worker.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of unauthorized hard inquiries appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and other applicable laws. These inquiries were made without my explicit consent and are not related to any of my active accounts. 
The specific hard inquiries in question are : 1.- XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX  XXXX  XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} US DEPT ED XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} US DEPT ED XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Miscellaneous XX/XX/XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My credit score keep dropping due fail to investigate they stated it will be removed off my credit report still dropping my credit score due to this false information an someone's reporting me deceased cause me to not have credit if my date of birth on Equifax is XXXX An then someone reported false information to uptain credit everything need be deleted from my credit report false information illegally dropin my credit allowed them to report this on my report just drop 100 points now it drop again
Product: Credit reporting, credit repair services, or other personal consumer reports

Several letters and disputes were sent from XXXX XXXX XXXX XXXXo Credit Agency Experian XXXX This has not been resolved. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX, has violated my rights. 

15 USC 1681 sec. 602 A states that I have the right to privacy.

15 USC 1681 sec. 604 section 2 also states that a reporting Agency can not furnish my account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Theses inquiries are on my credit report that Im am not aware of