23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, XXXX XXXX XXXX put my XXXX XXXX account into collections. They put it into collections because XXXX XXXX was in a company corporate name that wasn't personally guaranteed. This account never belonged on my credit in the first place. They took my consumer information and placed it on my credit report and that's not what should have happened. 

16 CFR 313.7 15 usc 6802 Per the FCRA as a federally protected consumer I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbally and non verbally per 15 USC 6802 it is effective immediately and indefinitely. 

Since the debt is now with a third-party collection agency, it has already been charged off. As outlined in Tax Topic 431, this represents a certificate of indebtedness, which is categorized as income. It's important to note that income is not reportable on my credit report.

" If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. '' - Tax Topic 431
Product: Checking or savings account

On XX/XX/XXXX, I got a text from Huntingtons fraud department alerting me that {$1600.00} was charged on my debit card ( ending in XXXX ) to a hotel in XXXX. I immediately replied no, called Huntington, canceled the card, ordered a new one and filed a dispute. About two weeks went by and I still hadnt gotten my money back so I went into Huntington to ask for an update on the case and they told me it was settled and closed saying that they can not confirm it wasnt me because the charge was authorized by the number on the account. I did not authorize it, I did not get a text, or an email, nothing like that. So they reopened the case for me on XX/XX/XXXX. 
Moving forward, this past Saturday XXXX, I got a text from Huntingtons fraud department again, alerting me that {$1700.00} was attempted to be charge on my NEW debit card ( ending in XXXX ). This charge only didnt go through because I didnt have that amount of money in my checking account. So I did the same thing as I did before, replied no, called the fraud department, canceled the card and ordered a new and she was supposed to make note in the already opened case that this happened again. Then on XX/XX/XXXX, I called to check on the case and the lady told me that they closed it AGAIN for the same reason being it was authorized by the number on the account, which again, it wasnt. it was surely not me and I can get text records from my phone carrier if needed. I told her all the info I could and she told me she made note and to call back on Wednesday. Im so besides myself on what to do about this for so many reasons, the main one being I havent gotten my almost two grand back ( after international fees it totaled out to {$1700.00} ) and also because I dont know how this person got my new debit card information. Ive been in contact through email with the hotel and just sent them a screenshot of the texts I received from Huntington. Ive already started banking with a new bank but as for legalities Im going to file a police report and am maybe getting an attorney too because Im going on almost a month with this happening now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get my reports together and I have reached out and have not heard back. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not deleting inaccurate information from my credit report. There was a medical collection placed on my credit file that should not have been there. I called the medical provider as well as the collection agency ( XXXX XXXX ) and the issue was resolved. I spoke to the collection agency at the end of XX/XX/XXXX, and they stated they would submit the account to be deleted from my credit reports on XX/XX/XXXX. I waited 30 days, and contacted the collection agency again because the collection was still showing up on my credit report. They stated they submitted the request for the account to be deleted on XX/XX/XXXX and to wait a few more days. So, I waited until XX/XX/XXXX, and I called the collection agency again and the rep stated the same thing, they submitted the request to have the collection removed on XX/XX/XXXX, and went ahead and sent it again on XX/XX/XXXX. So, I called Equifax on XX/XX/XXXX. Spoke to 3 different reps, the first one was unable to assist me. The 2nd representative who was a US representative was VERY RUDE ( she did not state her name ) nor did she even ask me what account I was calling about, I told her a collection account was submitted to be deleted and it is still on my credit report, she put me on hold for several minutes and got back on the phone and stated nothing was submitted to be deleted. She did not even know the specifics of my inquiry. VERY UNPROFESSIONAL. I asked to speak to a supervisor and the so-called supervisor ( XXXX ) and asked for the previous reps name, he stated he did not remember her name. I filed a complaint with him and left my phone number and never received a call back nor has my issue been resolved. 

The collection account is still showing up on my credit report and it has been almost 2 months since it was requested to be deleted. The collection agency sent me a letter confirming that they submitted the collection account to be removed from all three credit bureaus. I have attached the letter from XXXX XXXX. 

I 'm not sure what the deal is with Equifax but the collection account for XXXX XXXX listed on my credit report NEEDS TO BE REMOVED IMMEDIATELY!!!!! Do not respond and state you launched an investigation and that I have to wait 30 days. That is UNACCEPTABLE SINCE I HAVE ALREADY WAITED ALMOST 60 DAYS!
Product: Debt collection

I have requested on numerous occasions that RECEIVABLE MANAGEMENT CORP provide a VERIFIED/VALIDATED CONTRACT bearing my signature showing that I received goods and or services that I agreed to pay for. Each time I have contact them I am handled aggressively and unprofessionally. Please assist. They have yet to provide any evidence of their fraudulent claim and any information that I have provided they have used to further update my credit profile ( negatively affecting me and creating financial hardship ).
Product: Debt collection

XXXX XXXX / XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Date Reported Opened : XX/XX/XXXX Date Reported Closed : XX/XX/XXXX Individual Account Revolving Account CHARGE ACCOUNT Balance : {$280.00} Company named above claims I have as of XX/XX/XXXX Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them : {$280.00} dollars on : XX/XX/XXXX This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. The above named company must submit to Consumer Finance the social security they have on file relating to this matter in order to positively identify me as the person who conducted business with them and am the person positively identified as the owner of the debt. 
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above  company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owe as third-party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus, failed to do so.

7. above company must submit to Consumer Finance what name was submitted for these alleged business transaction ( s ) and/or service purchased. Or any items purchased. Above company named must submit the correct spelling of my name and address I reside at while contracting or purchasing their services or items. Above named company must provide full information identifying me as the person doing business with them on said date submitted above.
Product: Credit reporting, credit repair services, or other personal consumer reports

This car was stolen on XX/XX/17 and the insurance company was in the middle of sending XXXX XXXX   there money to pay this car off. The car was gone for over thirty days and I got another car. This needs to be remove a negative payments.
Product: Debt collection

i pay to a collection agency back on XX/XX/2015 and a new collection agency is taking me to court. I submitted prove of payment
Product: Checking or savings account

AI Overview XXXX The XXXX Consumer Financial Protection Bureau ( CFPB ) filed a class action lawsuit against Capital One in XX/XX/XXXX, alleging that the bank misled customers about interest rates on its XXXXXXXX XXXX account. The CFPB claims that Capital One froze the interest rate on the XXXX XXXX account at 0.30 % from XXXX to XXXX, while offering higher rates on its XXXX XXXX XXXX account. 
What the CFPB alleges Capital One marketed the XXXX XXXX account as having some of the best interest rates in the country Capital One introduced the XXXXXXXX XXXX XXXX  account in XXXX, which offered rates up to 4.35 % Capital One used similar names and marketing for the XXXX accounts to confuse customers Capital One told branch employees not to proactively tell depositors they could switch accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Portfolio Recovery added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

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

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

15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Money transfer, virtual currency, or money service

Today ( XX/XX/21 ) US Bank withdrew {$4700.00} from my XXXX XXXX checking account without my authorization. When I called their customer service they apologized, but said it would take about 7 business days to get my money back to me. XXXX XXXX seems unable to help. I can not go 7 days in the negative with my main bank account that all of my bills are paid through. I have talked to US Bank customer service twice and 7 to 8 business days was the best they could promise. I have asked to speak to a supervisor earlier in the afternoon, as yet ( XXXX EST ) I have not received a call back from them. When I contacted XXXX XXXX they said I needed to call US Bank. As of now no one can tell me why this withdrawal was made or how they mistakenly thought is was authorized. My XXXX XXXX XXXX  address is : XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX. The US Bank closest branch address is : XXXX XXXX XXXX XXXX XXXX, OH, XXXX. Thank you very much for your time and attention to this matter.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Collection Account Account Number : XXXX Creditor : Zions Debt Dear Zions Debt, I am writing to formally dispute the above-referenced collection account reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611, I am requesting verification of this debt, as well as the specific legal basis for this entry.

After reviewing my records, I found no written agreement or signed contract with Zions Debt authorizing them to collect or report this debt. As per FCRA guidelines, information included in my credit report must be 100 % accurate, verifiable, and substantiated. Since this collection account lacks a written agreement or valid documentation establishing my liability, it must be removed immediately.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting that Zions Debt provide all supporting documentation, including the original agreement and proof of validation, within 30 days. If such proof can not be produced, I demand that this entry be removed from my credit file to ensure compliance with federal law.

This inaccurate reporting is adversely affecting my credit score and financial standing. I kindly request that this matter be addressed promptly. Please complete your investigation and notify me in writing of your findings within the 30-day period, as required by law.

Should the investigation fail to confirm the accuracy of this account, I demand its immediate deletion from my credit report. 

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

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On  XXXX   XXXX ,   XXXX   I made a purchase originating fro m homedepot.com that c harged  XXXX  to my Home Depot Credit card. The store was unable to fill the order and cancelled the order on the same day. I received an email cancellation and refund confirmation when store cancelled my order. I waite d for one wee k and my refund did not get processed. I attempted to resolve with the store and they insisted that they could only refund me if I presented my card and ID in person. I contacted customer care wi th Home Depot and the  referred me back to the store stating that they were unable to assist. I disputed the transaction on my credit card. I called the credit card disputes department for my home depot credit card on  XXXX / XXXX /  XXXX   and was advised that my dispute was closed and needed to be reopened. I advised that the dispute is not resolved and that the store has had an opportunity to represent to my dispute and should not be allowed to reset their dispute clock. The agent advised that the merchant has not represented. The credit services/claims associate advised that she could not escalate this claim. I advised that they are out of compliance with lending regulations. The associate offered no further resolution. Called  Store  on  XXXX / XXXX /  XXXX   and was advised by  manager on dut y  XXXX   that they are un able to process the refund unless I come into the store.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is fraudulently reporting to all three credit bureaus that I am delinquent and that my balance is XXXX. When in fact I am current with a spending balance and my credit balance owed is only XXXX. This is not the first time XXXX  has reported false balances. They do it right after every payment Ive made. They then send me a text with the wrong balance and later correct it. This error however has hurt my credit and livelihood. Im a victim of identity theft and right now Im under a lot of stress from fighting to fix all of that and XXXX XXXX is only adding to that stress with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] XXXX 's XXXX charged off my account and keeps reporting it 30 days late every month. The law does not allow for a company to charge off an account and then report further information for delinquency.

FSNB can not not be reached for a dispute and keeps verifying information to a credit bureau.

Tn Dept. of Human Services is reporting an incorrect balance and taking my money without a garnishment order and further not reporting the stimulus money in the amount of XXXX from the state of Texas. It's a violation of the Tennessee Fair Credit Reporting Act to increase garnishment without a hearing first.
Product: Checking or savings account

I opened a Citi XXXX XXXX savings account on XX/XX/21 after I was solicited by Citi to open the account due to being approved for an XXXX XXXX XXXX XXXX XXXX credit card. Per the solicitation, I was supposed to receive XXXX XXXX XXXX XXXX miles in exchange for depositing {$200000.00} dollars into the Citi XXXX XXXX savings account. The miles were supposed to be deposited 90 days after the funds were received. My {$200000.00} deposit posted two days after I opened the account. Citi repeatedly tells me that the miles will be posted soon but they continue to not to fulfill their obligation even though it has been almost 2 months since I fulfilled mine. Between this issue and Citi having withdrawal limits that almost make it impossible to gain access to your funds, the entire experience has been unacceptable.
Product: Mortgage

I XXXX XXXX applied for a home modification from specialized loan servicing, and was approved.they gave me a three months modification, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, still paying.the repotted to credit buereau that I was three months late ' the company is specialized loan services I called them and they said it will stay on - my credit report I never was late.i was in a modification XX/XX/2017-XX/XX/XXXX and XX/XX/2017.i was told that after modification my account would be updated. 


XXXX XXXX XXXX XXXX XXXX Maryland XXXX XXXX
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.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHED DOCUMENTS In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

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

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

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX # XXXX XXXX XXXX, CT XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$8900.00}.
Product: Student loan

I accidentally overpaid one of the loans by few cents. Customer support said they will take care of the issue as i instructed them to transfer that overpaid amount to another loan. Not only nothing came out of that, after 3 months, i realized that my negative amount ( overpaid ) accrued interest. With how difficult and unhelpful their customer support is, i thought of paying the interest amount so i don't have to deal with them ( around {$37.00} ). The next day i realized that they adjusted the amount back and now I'm overpaid by around {$40.00} on two account. They are not helping me distribute my overpaid amount to other loans which in return is keeping those account open and it's negatively affecting my credit score. If a company can't handle a simple issue in over 3 months, not sure they could be trusted with anything.
Product: Credit reporting or other personal consumer reports

THIS IS IN REGARDS TO MY XXXX XXXX : ON XX/XX/XXXX I CALLED IN TO GET A PAYMENT EXTENSION REQUEST TO SKIP THE NEXT TWO PAYMENTS. THE REP THAT DAY SENT ME THE PAPERWORK TO SIGN ON THE VW PORTAL IN WHICH I SIGNED THAT DAY AND SENT BACK. ( HAVE EMAIL CONFIRMATION THAT IT WAS UPLOADED ). MY NEXT PAYMENT WOULD NOT BE DUE UNTIL XX/XX/XXXX. I CALLED VOLKSWAGON TWICE ABOUT A WEEK AFTER TO SEE IF MY EXTENSION WAS RECEIVED. I WAS TOLD YES. THIS WAS PRIOR EVEN TO XX/XX/XXXX. SOMEONE CAN VERIFY CALL RECORDS ON THAT. THEN ON XX/XX/XXXX I UPLOADED THE SAME DOCUMENTS AND CALLED AGAIN A SHORT TIME AFTER ( DONT REMEMBER WHEN OR SOME DAYS LATER TO VERYIFY ) I AGAIN WAS TOLD YES. UPLOADED YOU WILL SEE BOTH CONFIRMATIONS FROM VW THAT MY DOCS WERE UPLOADED. 

TODAY XX/XX/XXXX, I LOG INTO CHECK MY CREDIT AND NOTICED THAT MY XXXX HAD DROPPED XXXX ( FROM VW LATE PAYMENT ), AND ON XXXX ( XXXX FROM VW LATE PAYMENT ). WHEN I SEEN THAT I IMMEDIATELY CALLED BECUASE I SENT THE SIGNED EXTENSION REQUEST IN ONTIME AND TWICE. SO THEREFORE, MY CREDIT SHOULD NOT HAVE DROPPED AT ALL. I CALLED 3 TIMES TODAY JUST TO COMPLAIN ON MY CREDIT DROPPING FRM THAT AND WAS TOLD BY ALL THREE DIFFERENT REPS I SPOKE WITH THAT MY PAPERWORK IS STILL IN PROGRESS, AND THEY ARE GOING TO FIX MY CREDIT AND REMOVE THE DELIQUENT STATUS. THING IS IVE HAD THE EXTENSIONS BEFORE AND THIS HAS NEVER HAPPENED TO ME BEFORE. I WANT MY CREDIT FIXED AND BACK OVER XXXX WHERE IT WAS UNTIL YOU ALL REPORTED IT LATE WHEN IN ALL ACTUALITY IT WAS NOT. MY EXTENSION PAPER WORK HAS NEVER TAKEN THE PAST 2 WEEKS. THE LAST REP XXXX I SPKE WITH STATED SHE HAS SEEN IT TAKE OVER A MONTH. THATS NOT FAIR TO US THEN OUR CREDIT DROPS. THE WHOLE POINT OF THE REQUESTING EXTENSION IS TO PREVENT THINGS LIKE THIS FROM HAPPENING AS WELL AS CANT PAY ( NOT HAVING CREDIT DROP AS WELL ). THE EXTENSION IS TO PROTECT US FROM THAT HAPPENEING. 
I WANT MY CREDIT FIXED AND BACK WHERE IT WAS AS WELL AS LATE FEES REMOVED AS I DID NOTHING WRONG AND THERE ARE CALL RECORDS AND UPLOADED DOCUMENTS TO PROVE AS WELL. THIS WAS UPSETTING TO SEE WHEN I HAD UPLOADED AND DID THINGS ON TIME AND MY CREDIT STILL DROPPED AND SHOWING INCORRECT BALANCE.