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

XXXX XXXX has closed my account and sold it to a collection agency. XXXX XXXX XXXX XXXX  XXXX is owned by Capital One. 

My Case Number for my dispute is : XXXX I have an ongoing dispute with them. On XX/XX/XXXX XXXX XXXX claims they returned clothing valued at {$24000.00} by XXXX XXXX XXXX. I never received the package. They refused to file a claim with XXXX XXXX. I sent them an email on XX/XX/XXXX saying that I was disputing my outstanding balance and would be filing an insurance claim. 

In the meantime they sold my account to a collection agency. They reported to the credit agencies that they were writing off my account. They did not tell either of these parties that there was a dispute. I would like my account returned to XXXX XXXX and the credit agencies informed that there is a dispute. 

I have told XXXX XXXX that my insurance company will either pay them in full or that I will reimburse them in full but that my insurance carrier will subrogate the claim.
Product: Credit card or prepaid card

Disputed charges for services that I never received. Contacted capitol one several times and upload all necessary documents within the time limit. Now they are telling me that it's too late and they can't help me. Spoke to XXXX, and she told me that there is Noone to speak to regarding this dispute
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute letters to the agencies claiming that I owe a debt. I was unaware of who these agencies were, so I requested proof and validation of the alleged debt and proof they can collect on this debt. I sent these letters via certified mail, but I have not received any validation in response. This issue has been ongoing for over a year, with no resolution. 

XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$540.00} Portfolio Recovery- {$1100.00} XXXX XXXX XXXX XXXX XXXX$1300.00} XXXXXXXX XXXX XXXXXXXX {$590.00}
Product: Debt collection

Over several years, Navient has used harassing tactics in attempt to collect a student loan debt. Last XX/XX/XXXX, they called several times before XXXX asking for a payment I had already submitted. 

I preemptively called and informed them that due to personal circumstances, I nor my guarantor was able to make XX/XX/XXXX 's payment by the due date ( XX/XX/XXXX ). I stated that I would be able to pay it by the first week of XX/XX/XXXX and the representative stated that there was nothing they could do. I asked that they at least notate the payment would be late and they refused. 


I received a call XX/XX/XXXX at XXXX requesting payment, during which I informed the representative that I would be remitting payment shortly. I completed the payment XX/XX/XXXX, receiving a confirmation number and seeing the deduction from my bank account. 

Today, XX/XX/XXXX I received 3 separate phone calls from the number XXXX. One at XXXX, one at XXXX, and one at XXXX. I answered the third to discover that it was a Navient representative calling to say they were trying to collect the XX/XX/XXXX payment - the one I had already submitted. I explained that to the representative, who used the computer system to verify it. She said she would make a note that the payment was there and to stop the calls. I asked her to please check for payments before calling - especially 3 times back to back. She became argumentative, stating there was nothing she could do about it and that I should just make my payments on time. I explained to her that this has happened even when I made my payments on time and she became more argumentative, talking over me, and unwilling to hear my position or take responsibility for repeatedly calling me under false pretences.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis reported to XXXX, XXXX, & XXXX information concerning my bankruptcy by getting the information from PACER, a system of records used by the Federal government to store public records.
Product: Debt collection

Credit Collection Services is in violation of the FDCPA and FCRA law. 15 USC 1692 ( e ) ( 3 ) Credit Collection Services is not licensed to collect any debt in my state nor do I have a contract with this company. FDCPA 15 USC 1692c ( c ) request proof of validation that I own this fraudulent debt 15 USC 1692g ( b ) This Cease and desist include but not limited to any collection attempts and or reporting of this account to any consumer reporting agency. Credit Collection Services parked an illegal fraudulent account on my credit report without notification by mail. The collection debt company didn't provide any information of their investigation. This account needs to be removed from all three bureaus until Credit Collection Services provide proof I own this debt
Product: Debt collection

Company Name : Credence Resource Manage Account Number : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX To : Whom It May Concern On XX/XX/year>, I was looking on my experian account to get an update credit score and noticed that Credence Resource Manage a debt collector for XXXX for the amount of {$750.00}. From 15 U.S.C. 1681, I never gave this company consent to furnish my information or obtain my information. The reason why I am writing this dispute claim on my credit report is because I lost my job and been living on the streets for the past year in a half. I am unable to pay any debt collection because I cant hold a job due to the fact I have XXXX.
Product: Debt collection

I had special financing following accounts with HCS ( hcsloans.com ). XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX The promotion was expired on XX/XX/XXXX. Since I set up the automatic payment system with HCS, I did not get paper statements. I was having problems with logging into my accounts on website. I had called several times to fix the problem and could not wait for too long so the calls were unsuccessful. Finally, on XXXX, I patiently waited to speak to one of the representatives and found out my promotion was expired on XX/XX/XXXX, and accrued interest was charged to my both accounts. I asked to speak to HCS supervisor, she said since it is within 30 days, I could pay off the amounts of {$510.00} and {$570.00} for both accounts if I made the payments that same day. So, I paid off both accounts on the same day, and she assured me that HCS would close the account with balance XXXX. Three weeks later, I received the statements from Ally Lending over {$1000.00} for each account. Apparently, Ally Lending has bought HCS and transferred all HCS accounts to collect the debts. They said they don't honor within 30 days pay off plan and promotions were ended on XX/XX/XXXX. They stated that HCS transferred accounts on XX/XX/XXXX. Since my original agreement was with HCS, they had accepted the payoff amounts and closed my account, Ally Lending has no right to reopen and try to collect the unreasonable charges. I tried speaking to several supervisors and was not successful. They are demanding that I arrange the payment to pay the accrued charges.
Product: Mortgage

Background : Ditech sent an Annual Escrow Account Disclosure Statement dated XX/XX/2018 stating that my escrow account had a shortage of {$410.00}. I paid my escrow shortage in full. It was recorded by Ditech on XX/XX/2018. 

Prior to receiving notice of an escrow shortage, I paid my XX/XX/2018 mortgage payment in the amount of {$1500.00}. This payment was recorded by Ditech on XX/XX/2018. However, due to the shortage of {$29.00} ( monthly increase in escrow ), my XX/XX/2018 payment was applied to principal only.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, IL XXXX Complaint : Credit Denial reason Under legal age to a XXXX man with credit score of XXXX. 

This complaint is for getting denied credit to purchase golf clubs on a 18 month no interest loan from Synchrony Bank, located at XXXX. XXXX XXXX in XXXX Florida XXXX through XXXX XXXX in XXXX Illinois. Denial letter dated XX/XX/XXXX. 

On Friday XX/XX/XXXX, I had a club fitting with XXXX XXXX from XXXX XXXX at XXXX XXXX in XXXX Illinois located at XXXX XXXX XXXX in XXXX, Illinois XXXX. I determined I wanted to purchase some golf clubs and they offered an 18 month no interest loan so I completed their form which requested my social security number, income and other personal information. I was denied, no questions, no answers, just denied, so I ended up putting the entire amount on my credit card which I did not what to do. I am a XXXX man with stella credit, little to no debt with a credit score of XXXX and I was denied credit. The XXXX XXXX representative explained I was denied and he knew no reason why but that I would receive a follow-up letter in the 10 days explaining the reason. 

Today Monday XX/XX/XXXX I received that letter, and much to my surprise the reason for denial was and I quote from the letter Under legal age since when is a XXXX man under the legal age. 

Obviously, your company : Consumer Financial Protection Bureau at XXXX XXXX XXXX XXXX, in Washington DC XXXX, could never have run my Social Security number because if you did you would know that I am well above the legal and that I do have excellent credit. Your company caused me to put nearly XXXX on my credit card that I really did not want to do. I should have walked out of XXXX XXXX when I was denied. 
I would like to know how this happened, why it happened and what you are going to do to clear my good name with XXXX XXXX? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a Pre-qualification From XXXX XXXX XXXX XXXX I never wanted to apply for a loan or even consider applying and for some reason my credit was pulled from 3 credit companies XXXX, XXXX, Transunion. I never personally requested this and for that matter I want this information investigated and removed because there is no way why this should happen to a person when they didn't request such information and I'm willing to go to the full-stand of the law to get this matter resolved, for good faith because XXXX  XXXX is XXXX of my favorite banks. Which is why I'm sending this letter because typically I just sued but I want to resolve this as passive as it can be thank you, the suggested information is as follows ( XXXX XXXX XXXX  XXXX  ). 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed this account before regarding the late payments. I have contacted XXXX XXXX and they have stated that they have sold the account and no longer have any dealing with the account. 

This account does not reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX {$19000.00} XXXX   XXXX {$12000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$70.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX {$110.00}
Product: Consumer Loan

I made my last payment to Wilshire Consumer Credit on XXXX/XXXX/XXXX in the amount of {$120.00}. 
Web site reflects the payment as well as a XXXX balance. I contacted them today at about XXXX pdt and inquired as to the status of when the title is to be released back to me. Attendant stated that due to the payment not being made via certified funds that I did not follow instructions of which i was never notified of such. I stated that the payment cleared my account on XXXX/XXXX/XXXX however she did not care to listen. I just want the title back. These folks are the most UN-professional and certainly should not be allowed to be in business. 

Several months back i also brought up the following to them : XXXX XXXX, XXXX CONSUMER FINANCIAL PROTECTION BUREAU ORDERS INDIRECT AUTO FINANCE COMPANY TO PROVIDE CONSUMERS XXXX IN RELIEF FOR ILLEGAL DEBT COLLECTION TACTICS Westlake Services and Wilshire Consumer Credit Pressured Borrowers with Illegal Threats and Phony Caller IDs I mentioned to them that they were supposed to issue refunds or credits against accounts. However was told that i was not eligible. Which seems odd. 

Bottom line is i want my title back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Hard Inquiries on my credit report that I didn't make. Someone made multiple calls with my information and tried to open these accounts. I contacted ( FTC ) and was redirected to file a complaint through ( CFPB ) on these accounts below listed and I desperately need these removed it's hurting my credit worthiness. I have contacted the creditors explaining the situation with still no resolution resolved. 

XXXX XXXX FEB/DESTINY ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEB/DESTINY ( Bank ) XXXX XXXX XXXX XXXX XXXX FEB/DESTINY ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXMILESTONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEB/DESTINY ( Bank ) XXXX XXXX XXXX XXXX XXXX FEB/DESTINY ( Bank ) XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX asked for information to be validated and verified, its been well over 45 days still no response, from XXXX, Equifax, or XXXX. 

Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

2. Validate Account XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

For the past 2 years I have been trying to get this problem resolved. There are XXXX accounts on my credit report that are not mine. I have requested that they be removed several times via dispute and I have requested proof and documentation that I applied for these loans. I have yet to receive the proof that I asked for because I have never applied for or received any loans from the XXXX places. 

Rapid Cash and a company called XXXX XXXX are saying that I took out a loan with them, I have been on Social Security since 2013 I do not have an Income to even afford a loan of any type my income won't even get me approved for a loan.
Product: Payday loan, title loan, or personal loan

According to their payoff letter, I was to pay the balance of my loan by XX/XX/XXXX in the amount of {$10000.00}. I did this in a form of a paper check which they received on XX/XX/XXXX. They didn't process this until 7 days later which made me accrue interest of {$42.00}. I called them to let them know this is not correct since they had my check since XX/XX/XXXX and didn't process it. I asked for a supervisor and was hung up on. I called back and spoke to XXXX the " Supervisor '' and again, she told me the same thing. I told her that this is not correct since they had my check since XX/XX/XXXX. I asked to speak to her supervisor and she said no, there's no one else to speak to and gave me a physical address to mail my complaint. 

I never missed a payment with them, nothing is spelled out in the payoff letter about interest accruing. If I paid via online, this would not had happened. The fact that I paid it as a check is why. 

I ended up paying the {$42.00} today XX/XX/XXXX because I didn't want anymore interest accruing on this loan.
Product: Checking or savings account

Hello, I spoke to representatives at PNC Bank regarding my concern with my account being frozen and funds not being available although it shows that I have {$170.00} in my account. In addition, the bank took an action that was not authorized by me nor was it known by myself when the transaction occurred. I had learned about the preauthorized debit to my account in the amount of {$520.00} and immediately went to the branch to dispute it. The account was reopened to received a disputed charge for a rental vehicle that was initiated in XXXX for {$670.00}. I received a denial letter from PNC stating that the dispute was denied. Since I had many other issues with this bank, I had decided to find another bank to bank with so I had stopped using the account but I didnt close it. I would later learn that this bank closed the account after the fact on XX/XX/year>. Then, in XX/XX/year>, the disputed funds were deposited back into my account which caused the account to be reopened from my understanding. All of a sudden, I receive a check in the mail for {$320.00} which prompted me to look further into why I received this check. This is when I learned that the bank had received these disputed funds back from the merchant and they took it upon themselves to give me a portion of it back while a PDA was created and routed to the bank. I have since contacted the bank and I would either get disconnected or sent to a call center department outside of the country. My account is at a positive status in the amount of {$170.00} but I found out that my account is now frozen for whatever reason. I am not sure what is going on with my account but it doesnt seem right. Ive never had a bank create a check on my account without my knowledge or consent to be made payable to them. This is my purpose for the dispute as I thought maybe my money was stolen by an employee on the branch level.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts listed below has violated my rights. 
15 U.S.C 1681 Section 604 A states I have the right to privacy 15 U.S.C 1681 Section 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education XXXX Bank XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX   : XXXX Experian.n : XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : XXXX Experian : XXXX   XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experie.n : XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, Unknown XXXX : XXXX XXXX Unknown XXXX : XXXX.
Product: Credit reporting or other personal consumer reports

I've been writing XXXX, XXXX and Equifax since XXXX, XXXX, XXXX, and XXXX and none of them responded to my letters. I'm doing this process right now to see further results of my disputes concerning those inaccurate accounts that they've put into my credit report.
Product: Credit reporting or other personal consumer reports

I was charged late fees from XX/XX/year> until XX/XX/year>, that were not accurate
Product: Credit reporting or other personal consumer reports

I opened this account with XXXX XXXX around XX/XX/XXXX and I had a XXXX XXXX {$3200.00}. In XXXX I purchased a XXXX XXXX for {$240.00} and XXXX setup AutoPay, In XXXX, XXXX my balance was XXXX " XXXX '' thru XX/XX/XXXX when I purchase a New Phone for {$630.00} after Rebates and deductions and had AutoPay still turned XXXX while checking my Credit scores, I noticed a significant drop in my XXXX score on Experian.com. I examined where the cause of the score drop was and it indicated it was from XXXX XXXX. I immediately called XXXX XXXX and spoke with someone in account services and they transferred me to their credit services division. I explained that my XXXX was still on and active when I signed into my online account and my payments weren't debited for XXXX ( XXXX ) months like they were in the past. The person told me that once my Account reaches zero " XXXX '' balance, I have to go back online and turn-off and turn-on XXXX again for it to be reset. I told her none of my other credit cards doesn't operates that way, but she insist that what I should have done. She said there's nothing she could do. I filed a sispute with Experian and nothing came of my case.I have all my credit cards on Autopay and I don't believe my XXXX score shold lowered because XXXX XXXX website was not functioning as it should.