23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There are 3 companies involved complaints neamely : Monterey Collection Service, XXXX and XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX. My wife and I went there for a short vacation in our XXXX XXXX and on our last day, we went around some shopping center for some last minute shopping before our flight the next day, when one XXXX  looking guy smile and approached asking if we are from the U.S. visiting and we said yes. He asked where we are staying and told us that there is a new resort being develop in XXXX which he said to be much better than what we have and said that if we will not be interested we can always say no and no force representation or selling will be made. That was in last week of XXXX in XXXX. 
Upon learning that it's another time share, we hesitated and requested to get us back to our hotel but they said it will just take a short time and they will take us back, but to no avail we were there for almost 5 hours even if we keep on declining their sales offer, when the said owner manager, XXXX XXXX came and talked to us. We were at the point where we taught that we are being held hostage if we don't comply even if they told us to initial some sales document while signing it in duress but i told them to sign an agreement that they will cancel our existing timeshare with XXXX for us to transfer with them, and they agree, being witness by one of their representative which i have a copy. 
After signing the contract and were able to get a down payment using our credit card from XXXX, they let us go and when we get back to the US, few days after, they told us that they were not able to cancel our agreement contract with XXXX, but the monthly payment for the contract continue even after i advise XXXX credit card to put a stop payment of this account in XXXX of XXXX. Then here comes Monterey collection saying that they are taking charge of collection for XXXX XXXX XXXX XXXX, even I them that in the contract that we signed can only be enforced in XXXX. They have been bombarded us with calls and threats and i want this to stop. About XXXX account i already have the account close but when i referred to them the computer generated billing that they say " cant do anything about it '' because they don't know how to take it out of the system. Now they send me a letter discounting the generated amount if i want to settle, but i refused. Now they are trying to ruin our credit because of this. 
Thank you for taking the time to looking at this complain
Product: Credit card or prepaid card

XXXX XXXX  clearly states that if you make your first XXXX payments on time that your credit line will double. My initial credit line on this card was {$1000.00}. It should have automatically updated to {$2000.00} in XXXX. I called them today and found out that the automatic part is false, you literally have to reapply. The person did that for me and it went up from {$1000.00} to {$1300.00} - again, not what was promised. It also looks like they did a hard inquiry on my credit report, which was also not disclosed, which will negatively impact my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian credit report I had filed a dispute for an account that was open under identity theft fraudulent activity. I had mailed a copy of the police report that identity theft affidavit from the FTC website. they requested more self-identifying documentation which I submitted my bill and a copy of my ID and Social Security. I requested the updated credit report file and the fraudulent account is still being reported. I specifically called Experian and talk to a customer service representative and she went through the paperwork on file that I had submitted telling me that I need an updated police report and either way they ( experian ) did not have authority to remove the account from my credit profile.
I 'm getting really frustrated because I submitted the same print out documents to XXXX and XXXX at the same time ( around end of XXXX ) for the same account and both companies successfully deleted that account from being reported on my credit report. I called Experian the second time demanding that they remove the account from my report because I had submitted all supporting documentation around XXXX XXXX, 2017. The customer service representative refused to remove the account even though I had the police report on file with Experian.
And I received a phone call and attempt to collect a debt from the creditor where the fraudulent account was open, they called me on my cell phone did not verify who I was and started accusing me of opening the account. I specifically wrote a cease and do not contact letter to the Creditor. The Creditor has violated my right by calling my cell phone after I demanded they stop contacting me. I never gave them my cell phone to call I do n't know how they obtained to my phone number. I feel like I was being harassed because I asked them if they had on file my request to not contact me and the gentleman on the phone simply started to tell me I need to make a payment and I have an account that needs to be paid.
I have suffered and I have been denied credit because of this collections account the bad payment history on the account and the amount of the account it 's been a long time I have been going through the process to get this account removed and these companies are giving me hard time I want to seek compensation, credit repair for the damages done to my good payment history. Also the balance that the Creditor is reporting to the credit bureaus has gone up but supposedly the account is in collections?
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sold the car. My next loan payment was due on XX/XX/year>, but in XXXX, a late payment appeared on my credit report. This is incorrect, as the car was sold, and I informed the bank about it. They assured me that my notification was recorded and that no late payment would appear on my report. I do not know why the transaction took so long. I request that the late payment be removed from my credit report. I can provide the car sales contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved out of property that was managed by XXXX XXXX   XXXX  XXXX. at address : XXXX XXXX XXXX, XXXX, CA XXXX. On or about the week of XX/XX/2016. My final day at the residence managed by XXXX XXXX XXXX XXXX. I paid the remainder on my lease in full to the employee and dropped of my keys. She mentioned that she could not assist me the moment with a receipt because of new company taking over properties was in the middle of transferring documents to them but assured me that a receipt would be mailed to me at my new address Approx. 190 miles away ( I NEVER RECEIVED ANY RECEIPT IN THE MAIL EVER!!! ). A few month later when I had a chance to go back in person they no longer were in business, last time i checked its now a massage parlor. STATES RECOVERY SYSTEM INC. is incorrectly billing me for monies and debt that I already paid in person to XXXX XXXX   XXXX  and they illegally sold this debt. I have disputed multiple times and currently have another active dispute on XXXX  credit reporting agency. XXXX  has ruled each dispute in favor of RECOVERY SYSTEM INC. without providing any proof to my person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I requested a Lexisnexis Consumee Disclosure Report, upon receiving that in the mail, I found serval things that were inaccurate/ does not belong to me, a bankruptcy in the US court, that is not my bankruptcy I have never filed bankruptcy nor attempt to file a bankruptcy. My name is incorrect on that report my name is XXXX XXXX not XXXX XXXX all the address on that report is incorrect. I have called and called this company to dispute all the information that either does not belong to me or that is inaccurate and every representative I get tells me that that report is accurate and mine. Im asking you to delete the bankruptcy that is not mine on my report and all the addresses. I have a right to a fair credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to company on XX/XX/XXXX about credit inquiries that were not authorized by me. I spoke to XXXX and I even tried to talk to her about getting them removed. I then filed a report about identity theft and they still did nothing to protect my account or remove the inquiries. I have attached the identity theft report.
Product: Checking or savings account

Within the last month, I have accrued over {$430.00} in overdraft fees with Regions Bank. I am aware of the overdraft protection act and what it limits banks to regarding overdraft protection fees. I am also aware that Regions bank is under investigation due to this same issue, owed to payback most of the excessive overdraft fees. The act states that no more than one overdraft coverage fee per month and six per year, per account, by the terms of the proposed bank overdraft fees law. 
The fees I was charged include XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$36.00}, XX/XX/XXXX for $ XXXX for {$72.00}. 
I approached Regions bank and they told me they were only able to refund 'maybe ' {$72.00} back. Once I brought up the over protection act, they told me that they were able to charge up to {$100.00} in overdraft fees per month. Even with that, they wouldn't return more than {$72.00} of fees back to me. 
I have multiple accounts with them that have money in them, and I haven't been charged an overdraft fee with them on this account before this month. The {$430.00} is more than the charges on my account.
Product: Debt collection

These people are trying to open and put XXXX items that were closed and removed off my credit report.it was removed by this company on XXXX XXXX 2015.these people are messing my credit up.I do n't get any were with them.every time I apply for something it shows on my report that they it open.these people can not open something that has been removed for your credit report.also asked bout the birthdate on XXXX credit report they have my birthday incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX ; XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$220.00} ; XXXX  XXXX Balance Owed XXXX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; NAVIENT XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$740.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$860.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$290.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair CreditReporting Act. The List or accounts below has violated my legally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  # Credit Card ending XXXX, Account name : XXXX XXXX XXXX Credit Card ending in XXXX, Account name : XXXX XXXX XXXX Credit card ending XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

All information is incorrect and is damaging my chances to purchase a home for me and my family..
Product: Credit reporting or other personal consumer reports

There is inaccurate information in my consumer report that misrepresents my credit report. This report is incomplete and therefore inaccurate and hurting my ability to get credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Requested the from the credit bureau transunion on three different occasions, by certified mail and the first time through the online dispute process about incorrect information on my credit file # XXXX and Acct # XXXX. 

The first time i contacted them was on XXXX XXXX XXXX via online dispute i informed them about inaccuracies listed for a public record of a bankruptcy that is being reported on my credit file.I also let them know that I was requesting to verify the method of verification used by your agency to list this information on my credit file. According to the bankruptcy court they do not verify bankruptcies with the credit Bureaus.i requested they provide me with the following : 1. The courthouse name ; 2. The name of the person who verified the bankruptcy ; 3. The court address ; 4. The court telephone number ; and 5. The documentation used to verify the dispute. 

I Also let them know i am aware that According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available And Furthermore, a third-party furnisher of information, such as XXXX XXXX XXXX  or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third party source. According to the bankruptcy court they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ) In Response to this they never supplied me with any of the documentation i requested, i mailed two certified mailings to them in response the all 3 of the same responses i was given by them, one was mailed on XXXX/XXXX/XXXX and the third correspondence was mailed on XXXX/XXXX/XXXX, they have only said the information was varied as accurate as an update without providing any proof of this from the bankruptcy court not a third party. they have failed 3 times to provide any of the information i requested so i requested that they Delete this from my credit history but with no success or proper response.
Product: Debt collection

Leaving over for one year it was flooded water in one room i call the office lots of times for them to coming fix theyre coming just look at it do little vacuum and left 2 days later the keep coming after end of my lease they said they not gon na renew the lease and they dont tell me why 2 months later they sent me letters saying that I owe them XXXX dollars for damages i dont do and i been sleeping in the with water snd mold everywhere i think thats wrong
Product: Debt collection

On XX/XX/XXXX XXXX a crime was committed inside my apartment at XXXX XXXX XXXX XXXX XXXX. Through court order for the safety of me and my baby the judge granted that the lease can be broken. I security deposit totally XXXX was given to XXXX on XX/XX/2014. Rent was XXXX enough to cover 2 months rent. XXXX XXXX maintence men enter my apartment while i was at work robbing me for many of my personal belongings. Not only i was physically abused prior i had to experience getting unlawful eviction through XXXX XXXX .. On XX/XX/2014 My babsitter called me at work because she was taking my son to the park stating the locks was changed and she is locked out. I to call locksmith upon getting in the maintence men had tstole all of my electronics computers, personal items, shoes etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/XXXX {$230.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor ... ... ... ... ... ... ... 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$790.00} Open balance XXXX XXXX FOR XXXX XXXX XXXX Original creditor ... .. .... .... 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$350.00} Open balance XXXX XXXX Original creditor
Product: Credit card or prepaid card

I opened an account with Fortiva with a {$2000.00} credit limit and the very first bill I received already has {$4.00} of interest charged on the account. In addition, I am being reported to the credit reporting agencies as overlimit. 

This is a deceptive practice to charge a customer interest before they receive a bill and report this inaccurate information to the credit reporting agencies. 

I called Fortiva and they were unable to assist so I would like the interest removed and the credit reporting updated accurately in accordance with the FCRA
Product: Credit card

XXXX XXXX # XXXX Ordered a jacket online on XX/XX/XXXX. Was supposedly delivered on XX/XX/XXXX via XXXX ( originally shipped via FedEx ). Never received item. Reached out to XXXX ( via phone ) and was told to wait XXXX days, as XXXX marking an item " delivered '' may simply mean that it was on the truck for delivery. XXXX days went by and I reached out to XXXX again XXXX via phone ) and was told I needed to wait 5 days to file a claim. Filed a claim online for " Item Not Received. '' XXXX business days go by and it was denied. I called XXXX again ( via phone ) to appeal the claim. Another XXXX business days go by and I got an email that it was denied. 

I then opened a dispute with American Express. This dispute was opened/closed XXXX separate times. The first time, it was simply closed. The second and third times, American Express sided with XXXX and provided documentation with XXXX things ( XXXX ) proof that I initiated the order ( not disputed ) ; XXXX ) XXXX  tracking showing that the item was delivered ( no signature, photo, or proof of delivery ) ; 3 ) return policy stating that since 30 days had elapsed, XXXX would no longer accept a return ( I can't return an item I never received ) ). Since XXXX provided those documents, AmEx refuses to honor the dispute. I've even spent days and weeks on the phone with AmEx 3-way calling XXXX to try to get XXXX to share a proof of delivery or proof that they had opened a claim with XXXX. I never got proof that they opened any inquiry with XXXX. XXXX will not open a claim for me, as I am not the shipper. 

At various times, American Express disputes team told me : - That I could file a " XXXXhase Protection '' claim. Their purchase protection terms state that items in the possession of a " common carrier '' are not covered. As I never took delivery of the item, I could not say it was stolen from me.

- American Express requested multiple times via 3-way calls with XXXX that they provide proof of delivery ( signature or photo ) or proof that XXXX initiated a claim with XXXX. XXXX never provided either. 
- American Express told me that they would write off the charge. Then at another point they told me they would offer me half of the charge as a gesture ~ {$380.00}. Ended up offering me nothing. 

I am at a complete loss at this point. This was an expensive item that I bought myself for my birthday. I don't know what other recourse I have. I thought XXXX would have opened an investigation with FedEx and replaced the item. I thought AmEx would have my back once I filed a dispute. Please help.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to I provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : I have improper names and address that also need removal and phone numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX