23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I bought a washer and dryer at beat buy XX/XX/XXXX for a gift for my mom got them deliver and when they arrive we couldnt find a connection for them so I called and have them picked up so I could return them witch they did and I waited XXXX weeks to make another purchase and I bought a phone and a television I payed what I had bought last witch was the tv and phone and still owed the washer and dryer for called Best Buy to try to fix it and they didnt want to help because they told me I had to get in contact with citi witch is the finance so I did I put a complain XX/XX/XXXX and they denied it saying they are charging me for delivery fees witch its the same amount as what I was going to pay for the washer and dryer
Product: Debt collection

Received a letter on XX/XX/XXXX from Credit Collection Services in XXXX, MA of a past due account to XXXX XXXX in the amount of XXXX from XX/XX/XXXX Spoke with Credit Collection Services on XX/XX/XXXX and informed them I have never met the person who ordered the test, XXXX XXXX XXXX, in XXXX, GA or been to that XXXX location in Georgia. They advised me to file this report of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX Balance {$0.00} XXXX FIN LXXXX Balance {$0.00}
Product: Debt collection

HRRG has sent me multiple fraudulent medical invoices to collect a debt that is not valid. HRRG fraudulently backdated the letter sent to me ( dated XX/XX/2021 ), on the letter it stated I have 30 days to respond in which I still responded within the time frame even though I received the letter on XX/XX/2021. HRRG ( Healthcare Revenue Recovery Group ) has violated 12 FDCPA consumer laws within their letter to me attempting to collect an alleged debt. The alleged debt amount is {$1300.00}, which is not mine. I have attached the documents below that I sent in correspondence to HRRG.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account # XXXX, has violated my right. XXXX XXXX XXXXXXXX. 15U.S.C. 1681 SECTION 602 A STATE I HAVE THE RIGHT TO PRIVACY. 15U.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: Debt collection

Third party vendor that didn't have my permission or legally able to collect on behalf of the original creditor has constantly reported negatively to 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They have all been paid off and promised me they were to delete it off my credit report once paid off and they are paid off with a XXXX balacnce.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a new copy of my consumer report and I noticed some accounts with inaccuracies so I would like validation for these alleged debts. According to 15 U.S. Code 1692 ( a ) " There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. '' so I need to be sure the alleged debts on my consumer report are validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked MBA Law for details of this debt and they have never sent it to me. I have been fully insured and dont recall any invoices. If they are right, I will pay but need them to remove it from my report, if they are not able to prove it, then they need to remove it immediately.
Product: Credit card

I was approved for a MileagePlus ( MP ) Credit Card from Chase Bank on XXXX XXXX, XXXX. For being approved, Chase Bank offered an enrollment bonus of XXXX flight miles on XXXX XXXX. I intended to use this card solely for out-of-state travel purposes, which I rarely do. 

My MP quarterly statement ending XXXX XXXX, XXXX did show XXXX enrollment miles, which I thought would be adjusted once my minimum {$2000.00} payment of purchases within 90 days of receiving the card was processed. Said payment was made on XXXX XXXX, XXXX. ( This was a requirement of the XXXX miles bonus program. I later learned the XXXX mile offer required only {$1000.00}. ) It was only recently did I realize that the more than XXXX miles accredited to my card since my XXXX XXXX, XXXX quarterly statement, still only accounted for XXXX enrollment miles. 

I called MP on XXXX XXXX, XXXX to request the balance of XXXX enrollment miles. ( The original cardmember agreement I received with a copyright of XXXX did not state the number of introductory bonus miles. ) I eventually spoke to a Supervisor in their XXXX XXXX, TX office. ( Her name can be provided upon request. ) She did not dispute that the original offer was for XXXX enrollment miles, but said she would not approve the XXXX additional miles since my credit card was approved more than a year ago. I asked if she could send me where in the agreement does it state this XXXX year limitation. She could not. She then stated it was their policy. I then asked if that was in writing. She said no. 

A recent web search revealed that this matter regarding MP 's enrollment miles has been subject to extensive discussion among consumers for some time. For example, see XXXX XXXX.
Product: Debt collection

this is my complaint id number XXXX i don't know what else to do. they lie transfer over and over to new people and never get no were i said all this and sent all stuff to you last time XX/XX/2021 have had a hard time paid off a lot of bills qualified for a FHA loan need higher XXXX to get help with down payment all of the credit bureaus states a different think now. Can you please remove this collection asap. I would have never paid them a dime if they had told me my collection would have changed nothing, and agreed to delete or say pay as agreed i had smaller collections i could have paid and have paid since then. 

there is no area to put the correct reason why i am writing this time around. i need removed ASAP to get help with a down payment the charge off on each area XXXX deleted XXXX says paid less than full amount no lates XXXX says unknown history with late payments paid less than full balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under XXXX Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}.
Product: Credit card

I setup a direct automatic draft payment, from my checking account, to pay my Macy 's XXXX Inc. Credit Card in full every month. Macy 's would pull my full bill directly from my checking account. I setup this payment method around 4 years ago. 

In XX/XX/XXXX, I used my Macy 's credit card. Macy 's apparently dropped my automatic draft payment agreement without any notice. According to Macy 's my automatic draft agreement expired without my knowledge. Macy 's made no attempt to contact me to let me know they were no longer pulling the funds to pay my bill. 

They did not send any correspondence to my home address. They claim to have sent statements to my email address. I reviewed my Macy 's Credit Card Account and found no information from Macy 's about my automatic draft expiring. It was n't until XX/XX/XXXX did I receive a paper statement in the mail showing that I was 60 days past due. I immediately called Macy 's and paid the bill in full. Macy 's had already submitted a 30 day and a XXXX delinquency on my credit report. I asked Macy 's to remove this delinquency. They removed the overpayments but refused to fix my credit report. I had an XXXX Fico score prior to this discrepancy and now my XXXX score is down to XXXX. 

Macy 's XXXX Inc. failed to provide any form of notification that the automatic draft payment expired. They allowed my account to go delinquent without any proper communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my latest credit report from TransUnion after their investigation completed, it still didn't fix the corrected data in my report. I submited a dispute to TransUnion on XX/XX/XXXX because one of my installment account ( XXXX account # XXXX ) had the wrong payment history rating. According to my credit report on XX/XX/XXXX, It showed that I had over 120 days late for this account. After their investigation my lastest credit report shows that I have 30 days late for this account. The fact is I never late for the payment from this account at all. I attach 3 different credit report to support my complaint. 
1. Credit Report on XX/XX/XXXX 2. Credit Report on XX/XX/XXXX 3. Credit Report on XX/XX/XXXX And also, The result report that XXXX company respond to my complaint from Consumer Financial Protection Bureau . 
It looks like every time I dispute the error on my credit report, it always show the mistake that the company make.
Product: Credit reporting or other personal consumer reports

I have made several attempts to contact Experian for reporting inaccurate accounts but they have not been compliant with responding to your inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, alleged debt purchaser Portfolio Recovery Associates placed a collections account on my credit report with XXXX and XXXX. I learned about this when XXXX emailed me an update. XXXX never notified me about the alleged debt or communicated with me at any time by telephone, email or letter before it reported this account as delinquent. This violated the Fair Debt Collections Practices Act ( CFPB Amendment to Regulation F, effective XXXX ). On XXXX, I filed disputes with the credit reporting agencies, and I called XXXX to request the account be removed from my credit report. To date, XXXX refuses to remove it and it reported to XXXX and XXXX that this is a properly reported account, notwithstanding the 2021 Regulation F amendments.
Product: Checking or savings account

i saw a deposit in my mobile account that I didn't make and informed the bank of fraud the bank told me they would fix it and now i'm being charged for the fake check that was deposited, my account number was XXXX my name is XXXX XXXX XXXX address XXXX XXXX XXXX XXXX new york XXXX. the amount i'm being charged is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax deleted my chapter XXXX after i put in a complaint with cfpb then put it back on my report after
Product: Credit card or prepaid card

I agreed to have my 2018 tax return sent to an Emerald Card XXXX XXXX XXXX XXXX. The bank that owns the Emerald card is Axos Bank. I was convinced by XXXX XXXX XXXX XXXX that this was the quickest best way for me the customer. However, none of the fees were explained to me so I was not happy with this arrangement in 2018. I took all of the money off the card and the account has been closed for over a year. When the IRS tried to send my stimulus check to that account the payment should have been rejected but Emerald Card did not reject the payment, they held my money. After a week of checking the IRS website waiting for it to be rejected back to the IRS, I called Emerald Bank. The customer service representative told me that her department didn't handle these rejections and when i asked to be transferred she told me that she didn't even know how to transfer me or reach that department. Once again they coerce me into taking another/new Emerald card stating that this solution would be faster than trying to reach whatever department would have rejected the payment since she didn't know how to even reach this department. The new card arrives and the automated system can't activate the card because the information doesn't match what's in the computer ( presumably the old account info that is closed ). At this point I've called Emerald Bank and XXXX XXXX XXXX XXXX   six times over the last two weeks and have spent no less than 8 hours on the phone, most of that time on hold, and many times nobody ever answered. I'm writing this complaint while currently on hold with them. I've been on the phone over 1 1/2 hours, first customer rep explained several times how the IRS works after I explained to him several times that we are a week past that problem. XXXX XXXX XXXX XXXXEmerald card already has my money from the IRS, I'm trying to get it from them. Their pamphlet ( in really fine print at the bottom ) says the only way I can get my money with no fees ( remember I did not ask nor did I want my stimulus check to go to them ) was a one-time ACH electronic transfer. There is NO button or link on their website for this option. Asked to speak to a supervisor, phone rang for 15 minutes and then it just stopped ringing and nobody ever picked. This company is either completely incompetent to handle peoples money or they are purposely being dishonest/disingenuous for their own gain. ( 1 hour 40 minutes, Emerald just hung up on me ) Either way, incompetent or dishonest, doesn't matter. this company should  never be allowed to touch anyone 's money.
Product: Debt collection

I paid XXXX XXXX phone number XXXX address XXXX XXXX XXXX XXXX XXXX XXXX in XXXX FLORIDA {$450.00} to pay a XXXX bill to be removed from my credit then i received a letter from another company named Diversified Consultants saying that the bill had been reopened an i still owe {$450.00} when i paid the bill on my credit report the bill was removed an said paid.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

It has been over 30 days and the credit has not updated the information nor has provided proof or documents in regard to late payments on my account. Under federal law, they had 30 days to delete the incorrect information and they have not. 
In addition, I was not given any opt-in or opt-out information on reporting by 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX student loans 5. Any credit reporting agency i.e. XXXX, Trans union, XXXX violation of federal law as outlined and enforced, also this is a violation of Trust Res property and certified documents held by a private American wo is not a United states citizen. 
All latest are to be removed immediately from my entire report, XXXX XXXX Deleted, all credit balances as well. No intimate information must be shared as they do not have my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : DEPARTMENT OF LABOR XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

On XX/XX/XXXX I received a phone call from a debt collector for a medical bill owed from XXXX. I asked what hospital it was for and the caller said it was for XXXX XXXX XXXX XXXX I don't use XXXX XXXX XXXX XXXX, I use XXXX XXXXXXXX. I let him know I don't use that hospital so that couldn't be right. The next day XX/XX/XXXX i received another call from the same debt collector when i answered he said he had called me the day before and that he was reaching out to collect a debt. The caller then says he has 2 medical bills from XXXX XXXX and said the amounts of them one of the amounts i had remembered from the day before the amount was XXXX. I asked wasn't that from XXXXXXXX XXXX XXXX cause that's what i was told the day before. I told him he needed to make sure which hospital it was so he could get his story straight. I do have a XXXX bill on my credit report from this company so now I have to figure out which hospital and if it was really me that got seen if from XXXX XXXXXXXX XXXX I also asked him to remove this from my credit report and he wanted me to pay the bill first.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi i have been a victim of identity theft i have done everything on my end to provide documentation to Equifax but they keep giving me a hard time nobody seems to know what they are doing. XXXX  and XXXX   have been great in helping me get this matter resolved. I have filed an FTC report and police report
Product: Credit reporting or other personal consumer reports

On XXXX submitted a direct dispute via certified mail to XXXX XXXX XXXX Experian demanding they remove all inquiries and all fraudulent information from my credit report however XXXX Experian XXXX XXXX did not remove anything in fact they were being bias and keep the information on my credit report after l 've sent in proof of identity proof of residency Now today as of XX/XX/year> they have not removed the inquiries and fraudulent accounts from my credit report in which now I'm filing a federal suit and seeking financial damages and XXXX EXPERIAN XXXX XXXX HAS ALSO VIOLATED CPFB LAWS REGARDING MY IDENTITY THEFT ISSUE IF THESE ACCOUNTS ARE NOT REMOVED ASAP I WILL SUE Im attaching my ftc report with the accounts in question also the address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is my address and have been for over 12 years
Product: Bank account or service

XXXX ( Synovus ) charged my account XXXX separate fees of {$36.00} totaling {$210.00} plus a separate fee of {$35.00} the next day. The {$35.00} fee was described as a continuous overdraft charge. On XX/XX/XXXX, I had an electronic transaction in the amount of {$370.00} presented to the bank. However, I had dated the transaction for XX/XX/XXXX. When I saw the bank had prematurely processed the transaction, I immediately deposited {$400.00} to cover the charge. The electronic transaction plus XXXX small transactions were still pending when the deposit was made. On following business day, the bank charged me the {$210.00} for the XXXX small transactions. These XXXX small transactions were arranged by the bank in the order to where the large transaction was paid first followed by the small XXXX transactions. This was done in order to maximize the number of overdraft fees. The bank 's response was that electronic transactions are always paid first and it was just a " coincidence '' that the electronic transaction was larger. However, I have evidence that this is not the case in where I have had a larger debit card transaction paid ahead of smaller electronic transaction previously. 
Synovus has a history of the practice of acting in bad faith by processing transactions in an order that would net them the most in overdraft fees as seen in the lawsuit " XXXX v. Synovus Bank. Synovus paid XXXX XXXX to settle this lawsuit just last year.
Product: Debt collection

to whom it may concern I am receiving telephones to my place of employment for debts that are not even mine. I am requesting to press charges to full extent of the law. And demand they stop immediately the company name is credit corp. solution the rep name is XXXX XXXX the phone she gave me is XXXX ext XXXX. I will further more cc the Texas State Attorney General Office so they start investigating the company tactic and demand that this loan is removed from my credit report.