23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

YOUR COMPLAINT I have no idea what happened besides being these collection companies and not just one or for the same amounts serveral are being reported as late and its referenced on my credit report. I have called a few asking for all the details information never received documentation. I have tried to dispute these collections inquiries on my credit reports with XXXX and now as of today XXXX then was able to file with you guys. These collections are not valid. Please help me get this resolved. Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Collection Agency FIRST FEDERAL CREDIT CONTROL Original Creditor Name XXXX XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1200.00} Amount {$1200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact FIRST FEDERAL CREDIT CONTROL XXXX XXXX OH XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX  XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$580.00} Amount {$580.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1400.00} Amount {$1300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I received a cashier 's check from Navy Federal Credit Union on XX/XX/23 in the amount of {$28000.00} for goods and services of mine from an individual. I reached out to NFCU to confirm the validity of the check the next day to confirm the funds were good. I spoke with one of their representatives at XXXX and they confirmed with me the check serial number, the date of the check, the amount and that the funds were good. As such, I proceeded with the transaction and deposited the funded into my personal bank, XXXX XXXX. 

Two days later, XXXX/XXXX/23, I receive a notice from XXXX that my deposited funds were being withdraws due to the fact that they couldn't locate the origination of the check. 

I called NFCU back to once again on XXXX/XXXX/23 at XXXX to confirm the validity of the check. This time the person I spoke with confirmed that they serial number was one of theirs, but that the amount and date were incorrect and therefore the funds weren't available. I was transferred to a supervisor who was able to pull up the recording of my original call. They simply said that the representative made a 'human error ' and they would take it up internally with their supervisor.
Product: Credit card or prepaid card

On 1XXXX16 I purchased {$7700.00} worth of what were supposed to be refurbished phones from a company called XXXX XXXX. The phones were not refurbished and therefore useless to me. The sales rep took full responsibility initially and told me he would take them back. His manager refused to take them back. They claimed they sent me theire " no return '' policy but I never received it. In the information technology business, it 's unheard of not to stand by the products you sell unless you happen to be completely unethical. I tried to contact the owner to resolve the dispute and he would not return my call. I then immediately disputed the charge with the credit card company. I provided evidence from my email that no policy was ever received by me. I had done one transaction prior witht he company in which they purchased equipment from me and that went very smoothly. I had no reason to believe this purchase would be a different experience. I returned their equipment at my expense. They refused delivery. I am currently in posession of these phones and completely willing to ship them back in return for a refund. The phones are virtually worthless and I have been a victim of a very unethical company. Chase Inc. has decided it is a valid charge despite the fact that I never received any return/refund policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested method of verification an item reporting on Experian as " XXXX XXXX XXXX XXXX ''. They completely ignored my request and did not re-investigate or respond at all. 

I also requested methods of verification from XXXX on an item listed as " XXXX XXXX '' that they claim to have verified. 

Neither of these accounts are mine and I've made them aware of this on several occasions so I can not see how they can tell me they verified it when it doesn't belong to me. Their system is off and something needs to be done!
Product: Mortgage

I have for more than XXXX months tried to talk to PennyMac and even the corporate office about my payments and how money is being applied in addition to the payments they claim they have made to the tax assessors office. my payment went up and I have nothing in writing still. 
in addition to this I have unfortunately fallen behind on my mortgage loan and i have been requesting help with my loan have tried to talk on several occasion to the person assigned to my loan and nothing, until i complaint again one called me back and said she would fedex me a package and nothing i keep writing to them via the internal messenger and its a total waste of time. 

it worries me that they are just waiting to add legal fees and file a notice of default to make it harder and more expensive for me to reinstate the loan, so far as of today i have fallen behind XXXX months. 

I need help with this and i need the lenders cooperation.
Product: Credit card or prepaid card

I have two issues on my report that are incorrect. 

Citicards XXXX Acct XXXX - this is not my account. I have tried to have this removed before. I do n't know who it belongs to but someone is obviously paying it. I just need it removed from my social security number. high limit {$30000.00} monthly payment {$110.00} Account Header Balance XXXX Derogatory Info - XXXX XXXX - I do not owe them anything and have never been late so this needs to be removed from the Derogatory section of my report. XXXX XXXX XXXX monthly payment 0 Header balance 0
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to file a formal complaint regarding inaccurate and incomplete reporting of a debt on my credit reports, and the failure of the creditor and credit bureaus to meet the requirements set forth under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX reporting guidelines. Despite the fact that this debt was removed from my XXXX credit report in 2023 due to the creditor 's failure to meet these legal requirements, the debt continues to appear inaccurately on both my Equifax and XXXX credit reports. 

I have disputed this item multiple times with all three credit bureaus. However, the item continues to appear on both Equifax and XXXX with inaccurate information, including inconsistent balances, incorrect account statuses, and incorrect payment histories. This inconsistency violates my rights under the FCRA, which mandates that information reported on my credit file be accurate and complete.

Under Section 605 of the FCRA, inaccurate or unverifiable information must be removed from a consumers credit report. Furthermore, Section 623 requires that information furnished to credit bureaus must be accurate and comply with industry reporting standards, such as the Metro 2 format for credit reporting. The discrepancies between the information reported on each bureau suggest that the creditor is failing to meet the necessary standards of accuracy and completeness. This includes failure to report in the proper Metro 2 format, which is a crucial element in ensuring the accurate transmission of information to credit bureaus.

In addition, the failure to resolve these discrepancies violates Section 611 of the FCRA, which requires credit bureaus to ensure the accuracy of information on a consumers credit report after a dispute. Since these errors persist despite previous disputes, the data furnisher ( the creditor ) has clearly failed to comply with the reporting requirements outlined in both the FCRA and Metro 2 guidelines. The continued presence of inaccurate information on my credit report is causing significant harm to my credit score and financial well-being.

The reporting of an account as both a collection account and an open account violates the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which requires accurate reporting of account status, and Section 623, which mandates that data furnishers ensure the information they report is complete and accurate, as well as Metro 2 guidelines for proper account reporting.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

A company named " XXXX XXXX ( XXXX ) '' started sending me emails about my Nelnet student  loans. I asked them to stop emailing me. They said they would not. The email address being : XXXX. I told them they were spamming me about a student loan that I had made payments on the week prior and informed them I would report their email as spam.
Product: Debt collection

I am an XXXX XXXX XXXX XXXX. I was in XXXX for a training rotation and went to the cell service provider on base in XX/XX/2021 ( XXXX  ). I was going to buy a SIM card but was informed that it would not work in XXXX. I did not continue with the transaction. Some months later ( XXXX XXXX ) I noticed a debt collection on my credit report. I was never contact by XXXX  prior to this. I reached out to the company listed on the collection. They sent me an invoice. I asked for proof of the debt. They sent me the same invoice again. I reached out to XXXX to see if they had a contract. I never signed a service contract, just an agreement that I understood the terms and conditions.
Product: Mortgage

Having bought a home for {$310000.00} at the height of the market in XXXX and struggling to keep it during the housing crisis plus dealing health issues ; I decide to sell in XX/XX/XXXX to move to another town for work. My home was still under water and had to list it at {$190000.00} as a short sale while a new developer was selling homes around the corner for {$160000.00}. Despite that, it was under contract within the first week although Wells Fargo would not accept the sale. Between XX/XX/XXXX and XX/XX/XXXX, Wells Fargo repeatedly refused to accept the sale until I made it clear I was already living in another town due to work I was physically able to do. The house finally closed as a short sale in XX/XX/XXXX for XXXX. I have the paperwork to show their agreement to the SHORT SALE, however it was years later that I finally discovered the short sale was listed as a foreclosure. In fact in XX/XX/XXXX I attempted to get a mortgage only to be hustled out of the office without being told why. This broker at a State Bank location in XXXX Arizona did not tell me my short sale was shown as a foreclosure and I went several years more before someone would tell me what they were seeing on my credit report. I have tried since then to have this corrected with Wells Fargo denying any wrongdoing. Now my credit report is excellent but now I am retired after years on XXXX and can not afford a home when I should have been able to purchase a home the summer of XXXX ; 2years after the short sale was completed. 
Wells Fargo ruined my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reinserted a removed item from my credit report without notifying me in writing within the five business days required which is in violation of the FCRA, ( A ) ( 5 ) ( B ), which carries a fine of XXXX.
Product: Credit card or prepaid card

Bread XXXXComenity Capital Bank outage began for me around XX/XX/XXXX not being able to access online card accounts with them followed by erroneous details of charges that never applied as well as payments not submitted by me, Millions upon millions of Comenity Cardholders are still experiencing grievous blockages not being able to contact ANY Comenity Representative nor did the company issue so much as a single letter of warning via USPS or Email this outage would extend now an entire MONTH of no access to make payments or speak with anyone, Call Centers for weeks have been nonexistent and in over XXXX  years as a customer of this card lender i never once experienced such an extended prolonged issue as this. Although i have seemingly been able to PUSH XXXX payment from my paying bank 's XXXX XXXX XXXX and it reflected once i could get logged on as XXXX balance, I also used the sites CARD LOCK to prevent fraud another NEW balance suddenly appeared today. This is a serious breach of cardholders ability to normally make payments and many are receiving late fees and additional interest simply because their payment system appears to been breached and not working as usual, Please ASAP approach the CEO of this Bread XXXX/Comenity Bank company or have an Emergency Financial Response Team cease their operations until the issues are resolved. As of XX/XX/XXXX there are blockages where customers can not log on into their account to service these credit card accounts as well as reach any personnel who will assist customers to not only make payments but that they are accurately applied to the accounts.
Product: Credit card or prepaid card

This card was used by a former spouse. Then he went bankrupt. He was very ieving.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX XXXX XXXX for the XX/XX/XXXX-XX/XX/XXXX academic year. I got excellent grades and I transferred to a school with a better reputation for better job prospects. Around lateXX/XX/XXXX I began receiving bills from XXXX XXXX XXXX in the amount of XXXX dollars. I called the school to determine what the charge was from. I was told that my account was not settled and that they would refer my account to collections. When I asked what the charge was from they said it was my tuition. I told the school I already paid the tuition in full, and that was how I was able to transfer my transcript to my new school. 
It is common policy in American academic institutions to not release a students transcripts without paying their bill. I thought nothing of it, but the school referred the matter to a collection agency without telling me what the charge was for. When I kept getting collection calls, I called the school and a representative at the XXXX office told me that the charge was due to an " unnoficial withdrawal. '' I told them that I paid all the tuition and fees for the year that I attended and that this charge was unfair but they demanded that I pay it. I was a XXXX XXXX XXXX and had no money so I did not. In XX/XX/XXXX I passed the XXXX XXXX XXXX in New York State, I needed my transcripts from schools for job applications. When I called XXXX they said that there was a hold on my account and that this charge for " unnoficial withdrawal '' was sent to a collections agency. After a lengthy pleading process for leniency the Registrar, XXXX XXXX, agreed to remove the hold and forgive that charge. The annual tuition at XXXX was around XXXX dollars and we both agreed that charge for Unofficial Withdrawal, which I had no idea about at the time of transfer seemed unnecessary, petty and unfair. I did not withdraw from school, I transferred. Now the credit reporting company has reduced my credit score, and apparently noone was notified that my hold was released.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found inaccurate information on my consumer report and notified TransUnion to initiate a reinvestigation of the information. I included proof of my location information and identification. After more than 30 days since they received my dispute they are continuing to furnish the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed the original complaint with you last week and I keep getting totally different emails about it I got 4 emails yesterday one said my XXXXXXXX XXXX account was closed, the next said it was moved to collections the next said that they needed more of my personal information to proceed and finish the second half then I got an email saying they have the results for my XXXX XXXX XXXX account complaint. Basically the same situation on Saturday the XXXX I had enough info on the complaint to justify removing it completely from my report but they originally said that there investigations were complete then they emailed me back saying they didnt get my uploaded documents so I called them and yes they didnt get my uploads but said the investigation was done. Im seriously having XXXX XXXX because it takes an hour to get anyone on the phone, none of them speak English and they like to hang up on you plus they dodge every question you ask and to be honest Ive been unable to borrow even XXXX $ for 6 years and for them to jerk me around and go back and fourth like this and we both know that its going to be the same if I dispute anything else with any of the three bureaus, they all help about the same which is answer the phone and that is it and it is more than difficult to stay calm with people that dont help nor talk english.. I am going to seriously have XXXX XXXX dealing with careless lazy people like this and I couldnt be more serious, I am totally fed up and I need to move on from this and I need these two disputes gone from my credit report on all three bureaus due to there inability to carry out the simplest of tasks and the dishonesty about the handling of my case. It is not ok to be treated like this and constantly give me conflicting information about my accounts and the fact that they lied to me about everything so far should be enough evidence to fulfill my request to remove these items from all three credit bureaus and since Ive already wasted 3 months Im asking for a bit of a speedy end to this little game they want to play with me thank you in advance
Product: Debt collection

On XX/XX/XXXX, I obtained a phone from my former employer which had been using XXXX XXXX XXXX mobile service. The employer had already contacted XXXX XXXX XXXX and requested the phone be unlocked so I could move it to another service provider. There would be no charge for doing this. 

While trying to obtain the new service at XXXX, the representative told me the phone was still locked. So I called XXXX & XXXX to unlock it. 

The XXXX XXXX XXXX Representative asked me information such as the IMEI a number, serial number of the phone, the employer name, etc., and then began asking me a lot of questions about myself including contact information, etc. I questioned them as to why they asked for my personal information, and they told me it was required to unlock the phone. At the completion of the call, they said I would receive an email with unlock information and it would be unlocked within 24 hours. I did receive the email, but nothing worked to unlock the phone. To make a long story short, I spent at least three hours over the next four days with representatives from XXXX XXXX XXXX, and XXXX - the phone manufacturer - trying to get this unlocked. I finally simply asked to talk to a supervisor who ended up unlocking the phone in two minutes from my request. 

I thought the nightmare was over, but it had only begun. Two months later, I received a bill from XXXX XXXX XXXX for over {$80.00} for services that I never got from them, had never asked for from them, and had never requested that I be set up at all with them. So I called the customer service line and explained the situation. They agreed with me that this was an error and should not have been billed, said they would take care of it, and the phone call ended. 

As of this week ( XX/XX/XXXX ), XXXX XXXX XXXX has sent/sold that fraudulent bill to collection agencies at least seven separate times ( at least twice to ERC ), some of which have gone into my credit record and posted collection notices, after I explained the situation to each one of them, and of course, refused to pay their demand. None of them ever provided ANY type of documentation that any service had been provided or that I had even requested any service. 

Is there a limit to the number of times that XXXX XXXX XXXX can falsely sell this fraudulent debt to these companies, and a limit to the amount of times they can continue to harass me falsely? I can understand an honest mistake, but there is nothing honest about what they are continuing to do and have tried to do for more than two years. 

Obviously, a rogue employee of theirs tried to make a bonus or some money somehow by selling me an account without my permission, and which XXXX XXXX XXXX promised to correct on a call they say was recorded. But they continue to bug me over and over. At this point I have spent many hours with XXXX XXXX XXXX, their hired collection agencies, and the credit bureaus trying to defend myself against this fraudulent charge. I feel that financial compensation is in order as well.