23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been in XXXX for over five years i came out and started to receive collection notices from different companies i filled a police report and sent it in with my dispute info to all 3 credit agency they all did what they were supposed to do except for XXXX XXXX they refused to remove the hard inquiry that were on my file some as recent as today i sent them the police report i filled with all fraudulent account numbers and all fraudulent inquiry they removed the actual accounts but not the inquiries this makes no sense they were all listed in my police report with dates and all they did not give me a reason why when i call them i have to speak to one person whom is in charge of my file and he speaks no English i cant understand him i kindly have asked him many times to transfer me to a different operator that i can understand and they refuse i have written by hand to 19 companies with a copy of police report attached showing this is all done in identity theft and sent them a police they have yet to respond these are all the inquiry that are fraudulent and done by id theft as stated with dates in my police report the only one that was not stated was the one with XXXX done today because i XXXX  received the police report back these are all fraudulent i never authorized any of these inquiry nor did i receive any goods and or services XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry  from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Product: Debt collection

Originally owed XXXX XXXX Credit Card. At some point they referred to collection or sold to Midland Credit Management who sent me an offer. Their letter said : " If we receive {$240.00} by XXXX, we will consider your account balance paid ''! I sent check # XXXX for {$240.00} on XXXX/XXXX/XX/XX/<YYYY> On XXXX XXXX, XX/XX/2015, they sent me a " Statement '' saying thank you for your {$240.00} payment ( credited on XXXX/XXXX/XX/XX/2015, XXXX days before the day they had to receive it by ) but reflecting a balance of {$160.00} even though I met all the terms of their offer. Please ensure they correct their records to reflect this account as paid and report the same to all XXXX credit reporting agencies. Their ( XXXX ) Account # is XXXX.
Product: Mortgage

Previous complaint # filed in XX/XX/XXXX for same issue this month # XXXX. 
Once again, SLS has " lost '' the electronic monthly payment sent directly from XXXX XXXX XXXX ( my bank ), charged me a late fee, and insisted that I make double payments ( for last month and this month ) while they " research '' the lost payment. 
Every month my HELOC payment is electronically sent directly from XXXX XXXX XXXX to SLS for the monthly. I have been using this same process since the day SLS purchased by loan from XXXX. On XXXX/XXXX/16, I received my XX/XX/XXXX statement stating SLS did not receive a XXXX payment that was due XXXX/XXXX/16. I called and spoke with XXXX and XXXX on XXXX/XXXX/16.. They both told me payment was never received. They told me I had to submit the proof of payment. I obtained a proof of payment from XXXX XXXX bank showing the money was deposited electronically delivered to SLS on XXXX was also told I had to submit a FULL bank statement with nothing crossed. There is information on that statement that has nothing to do with my loan payment such as my salary, other payments I have made etc. That is none of their business. Because of an error made by SLS, SLS is invading my privacy and taking up my time and money ( gas to go to my bank, printer ink, paper, postage stamps, envelopes ) to resolve an error they made. I have spent HOURS on the phone trying to get this resolved. The proof of payment shows they received their money. It was sent electronically, so it is very obvious SLS applied the payment incorrectly. I should not be required to submit a full bank statement showing personal information that they would not be privy to if they had not made this error. I was also told that I was charged a late fee for the XX/XX/XXXX payment and will be charged another late fee for XX/XX/XXXX. To keep " losing '' electronic payments each month, telling the person they must pay the past month and current month ( double pay ), and charge them late fees is FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this bogus item on my credit report since 2014 and have submitted a document from the dental office stating the account was paid in full, but XXXX XXXX XXXX is using hard-nose tactics. I have contacted these people several times and threatening to file a complaint with the Attorney General. Attached is the recent dispute I filed with Experian and it is vague, to say the least. The report states that from their investigation the report has been updated. The report has not been updated, and I attach a scanned copy of the report.
Product: Debt collection

I have sent First Progress multiple letters asking for debt verfication! I sent those letters, via certified mail, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have proof that all of those times the letter was delivered within 3-4 days of me mailing them. I have yet to receive a response from First Progress providing documentation proving that I opened an account with them and that I owe them any money. XXXX XXXX is reporting to all 3 Credit Bureaus stating that I open an account with them on XX/XX/XXXX, which I did not! Also they are reporting that I owe them a balance of XXXX, which I do not because I never opened an account with them. The negative reporting from this company is really hindering my credit score and my credit file! This is completely ridiculous!
Product: Credit reporting or other personal consumer reports

This is what was sent to each credit bureau : XXXX, XXXX, & Transunion Notice To Agent Is Notice To Principle Notice to Principle Is Notice To Agent RE : Violations of Consumer Laws and FTC laws/guidelines To whom it may concern, BE ADVISED, this is not a refusal to pay. I dont accept or deny this debt account, and this is not a request of validation of this debt account. Im writing you to let you know that youve violated FTC laws/guidelines and my consumer rights. 
According to the Gramm-Leach-and-Bliley, Also known as the Financial Services XXXX XXXX XXXX XXXX Debt collectors are Financial Institutions. Why is this important? Let me explain. 
According to 15 USC 6802- Obligations with respect to disclosures of personal information, ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Debt collection

I have disputed a charge with my insurance company, but the charge was sent to collections. I filed a report with the collection company alerting them of this, and I talked with them saying that I am disputing the charge and it would take, according to the insurance company, 7-20 days to refile my claim. The debt collection agency has been calling me an excessive amount of times. For example, the debt collection agency has called me 15 times from XXXX p.m. yesterday to now ( XXXX a.m. ). I can not make the insurance company refile my claim any faster, which I have told them. 

I am also aware that I have an unpaid {$36.00} charge from 2018. I will pay this once I get the current claim figured out because I do not feel comfortable paying them just part of what is owed since once the claim is refiled I won't need to pay it all.
Product: Credit card

Several of my accounts as well as my information was compromised back a couple of years ago without my knowledge. By the time I realized what was going, the account was sold off to a third party collection agencies so therefore, the damage was already done. I reached out to Target Bank on several occasions trying to get information regarding the account so that I could determine it was truly my debt and all they replied with was that we no longer service this account. Therefore, I requested my credit report and contacted the collection agency XXXX XXXX requesting advising them that I believe this account had fraudulent activities on it prior to it being sold. I also asked them to provide me with copies of all activity including the transaction history so that I could review it. They stated they would provide it but I never heard back from them nor did I receive anything. I even tried reaching out to Target requesting to speak with someone in their fraud/resolution department and all they reply with is that you have the put the request in writing in which I already have but never received a response.
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX Account Number : XXXX Bal : {$0.00} 2. XXXX Account Number : XXXX Bal : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX is over the 7 year mark for reporting, as a consumer i have the right to dispute information passed the 7 year reporting mark. This debt is a zombie debt and the credit bureaus keep trying to sneak more months onto the term. I have proof in emails where my FINAL payment was made and the final payment was over 7 years ago. So please remove this old zombie debt.
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS SOLD AND BOUGHT ILLEGALLY BECAUSE I WAS A VICTIM OF THE EQUIFAX DATA BREACH. I WANT THESE ITEMS DELETED FROM MY CREDIT REPORT EFFECTIVE IMMEDIATELY. I AM ATTACHING PROOF THAT EQUIFAX HAS ADMITTED THAT I WAS IN FACT A VICTIM OF THIS DATA BREACH AND EQUIFAX HAS DONE NOTHING. PLEASE HELP ME DELETE THESE ILLEGAL ACCOUNTS FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax illegally furnishing collection inquiries on debt without written permission. Lack of confirmation regarding the legitimacy of the debt.
Product: Mortgage

My name is XXXX XXXX and I live in XXXX Texas and my home address is XXXX XXXX XXXX XXXX Texas XXXX. My email Address is XXXXXXXXXXXX. Phone number : XXXX. I fill that I am been discriminated upon on the modification of my home under Chase. My loan went under water when i lose my job and I felt behind on my payment. I when to chase for a modification under the making home affordable plan XXXX XXXX XXXX, and was giving an interest variable modification from 2 % to 4 % through out the life of the loan. After fours years of payment, i got sick and again lost my job and felt behind on my mortgage. Again i was in constant communication with chase through the process. I want to chase for a modification. I was happy that chase gave me a modification this time increasing the interest rate to 3.25 %. i was giving five day to return the paper work of which i was unable to do so because I file a complained with chase on the increase in interest rate. Chase cooperate office kept on informing me that they are conducting an investigation and that i should hold with the document until their investigation is completed. 
While i was waiting for a decision the document expired. I called chase to see if i can resubmit my document for the the modification that has already been approve under the same term and conditions. Chase refuses and ask me to reapplied again and go through. I did but chase came out with a modification that no one will sign simple because they want and are doing every thing to force me to relinquish the ownership of my house through a foreclosure. (, Documents attached ). 
i have been in my house for 15 years and i have been paying my mortgage until i lose my job. As of today, my mortgage is behind in payment. I have gone through six months trier payment with chase and have shown them the i am able to make my payment an on time.. 

The new modification is for for 40 years after living in the house for 15 years. modification approved one month apart. mod XXXX was for 26 years with a 3.25 %. Mod XXXX : with the same situation approved XXXX mother apart for the same house was for 40 years at 4 %. what happen to the first modification, the situation all same. while the different in interest rate and the increase in the terms by 14 years. is it because I am XXXX and poor or because its because is trying to force me out of my house. I have been told that if I dont accept this them, i should not expect Chase to do another modification of my loan. This is discrimination.and bullying to the worse degree. I have contacted XXXX on this issue and was pushed over like dirt. I have been through counseling for mortgage assist who gave me the information to contact your office for help. 

Please I need help
Product: Credit reporting or other personal consumer reports

I formally dispute the bankruptcy information that you have reported regarding my credit file. Additionally, I would like to assert my rights under the Fair Credit Reporting Act ( FCRA ) and highlight serious concerns regarding violations of my consumer rights. Firstly, I wish to invoke my rights under 15 U.S.C. 1681 ( a ), which emphasizes the consumer 's right to privacy. The bankruptcy information you have on file has been reported without my consent, which constitutes a clear violation of my privacy rights. It is imperative that my personal information is handled with the utmost care and in accordance with consumer protection Secondly, as outlined in 15 U.S.C. 1681 ( b ), information can only be provided for permissible purposes and with written instruction from the consumer. I have not provided any consent for the release or use of my personal information related to any bankruptcy filings. Without a valid permissible purpose and my explicit written consent, the dissemination of this information is unlawful.

Furthermore, according to 15 U.S.C. 1681 ( e ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. I have reason to believe that the bankruptcy information in my report is inaccurate or outdated. I request an immediate investigation into this matter to validate the accuracy of the information reported and to ensure compliance with legal standards. As a consequence of these violations, I have filed a complaint with the Attorney General 's office regarding the unauthorized use of my personal information and the failure to uphold consumer rights in this matter. I expect a thorough review of my dispute and a prompt response detailing the results of your investigation. 
XXXX XXXX XXXX number XXXX
Product: Debt collection

I just got a copy of my credit report and noticed a collection account from  Deville Management  reporting to the credit bureau  XXXX . The account on the credit report is  XXXX . I called them at the telephone number listed on the report at  XXXX  ; they told me they gave the account to another agency to try and collect.   A representative gave me a telephone number, I called the 1st number (  XXXX  ) its an apartment complex, I calle d Deville Management  a  2nd  time they gave me another number  XXXX , they said they do not have any account for me, I calle d Deville a   3rd  time they gave me another number  XXXX  I called them and they do not have the account. I called Deville a  3rd  time and asked them what is going on, they can not give me an answer. They told me it i  XXXX   XXXX   XXXX   XXXX   XXXX  account, but I have not had a   XXXX    XXXX   XXXX  account in over 10 years, I would like this account removed from my credit bureau because apparently these companies purchase debts and do not have correct information. This is not my account, I do not remember having a   XXXX    XXXX   XXXX  credit card..
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Credit Management Amount {$3000.00} I have been working on cleaning my credit. Midland Credit Management refuse to work with me. Its been over a year. I made payments on full balance and had to stop because I couldnt afford it. I offered to pay less monthly and they refused. Today I spoke with XXXX XXXX XXXX XXXX, who advised me I had been sued and the law suit has been dismissed. I was never notified of a law suit or a dismissal. XXXX XXXX advised I still owe the debt and he could only offer a discount of 15 % and therefore demanding {$2500.00} as payment in full, which I do not have. I made an offer of {$1000.00} and this was declined. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the same item its XXXXXXXX XXXX XXXX. I contacted them and tried to get this settled and disputed the correct way multiple times, The company refuse to work with me. So then I disputed it on Experian three times. This last time that I tried to get this disputed I uploaded all my documentation backing up the order of dismissal that was signed by a judge in a court hearing. And I got my results in this evening and its just said that it was updated and not removed from my credit report. The order of dismissal was signed in XXXX of this year and its still there and I keep fighting to get it removed and nobody is helping me Ive contacted Experian multiple times I cant get through to an actual person Ive contacted the creditor multiple times and they refused to help me because I paid a lawyer to take this to court. I dont know what else to do at this point besides to file a complaint to try to get this removed from my credit report this is hurting me and I have paid my dues Ive got the lawyer to take it to court and we won and now they are not recognizing my legal paperwork.
Product: Credit card

Ordered a XXXX XXXX XXXX XXXX XXXX  from XXXX XXXX for {$3600.00} using my Wells Fargo credit card on XX/XX/XXXX. Received a XXXX  XXXX XXXX model delivered on XX/XX/XXXX and clearly a different product vs what was ordered. I alerted XXXX XXXX  on XX/XX/XXXX that I received an incorrect product and I wanted the original product that was ordered. XXXX XXXX at XXXX XXXX  mentioned there is nothing that he can do for me as far as getting the correct merchandise and if I wanted the correct product it would cost more. I told him then come pick up the incorrect product and I want a refund. I was then engaged by XXXX XXXX from XXXX whom is the manufacturer of the dartboard who set up a pickup on XX/XX/XXXX XXXX window to where I had to be home for the driver. The company never showed. XXXX set up an XXXX window for pickup on XX/XX/XXXXXXXX  and again the pickup was a no show. both times required my availability to be home and away from work. XXXX then informed me that I need to set up and handle the pickup. I informed that I will no longer be taking off of work to facilitate this and the product will be outside waiting and to come pick it up anytime. The machine sat outside in XXXX weather for weeks with no pickup. I filed the dispute on XX/XX/XXXXXXXX  ( dispute number XXXX ) with Wells Fargo given XXXX XXXX wasnt interested in getting me the correct product in the first place and was unsure of how to handle the return which made me question the integrity of the company. The dispute just finalized and Wells Fargo charged me for the incorrect merchandise that I never agreed to purchase and XXXX XXXX now sitting in my garage still in the packaging because it was failed to be picked up numerous times. Any help would be greatly appreciated. Thank you.
Product: Other financial service

Experian was one of three credit agencies I used to collect my free annual credit report. Because credit reports do n't actually present your score, I purchased one online from Experian for about {$5.00}. 

During this process, I apparently agreed to a recurring monthly membership fee of {$20.00}. I agreed to no such thing, at least not voluntarily. It is possible I missed some auto-filled check box or something else that indicated as such. 

I contacted Experian about two days after the charge posted to my account to explain my situation. After talking to her supervisor, XXXX, the support person, said they only offer refunds for 24 hours after payment. She offered to cancel my service, and I accepted. 

I believe it 's unethical to offer one service, and then use a confusing, deceptive, or unclear user interface to trick site visitors into purchasing unwanted services. I 'm not an XXXX or a Internet newbie, I kept watch for such things and still missed it. 

Mistakes happen, and Experian should be required to acknowledge my mistake and refund my {$20.00}. I have a family XXXX, every dollar counts, and I 'm trying to repair my credit, not provide a target for corrupt companies that claim to care about my circumstances. 

Sincerely, XXXX