23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received notification that National Credit Systems was given a debt owed to an old residence in XXXX. I contacted an representative and made a hardship payment arrangement for {$150.00} that would last for XXXX months, at which point we would revisit to see if I could pay more. My XXXX payment was deducted without issue. Unfortunately, my XXXX payment was rejected by my bank. National Credit Systems received notification of this on XX/XX/XXXX. 

On XX/XX/XXXX, I received notification from my bank that payment was declined. XXXX XX/XX/XXXX, I received notification from XXXX that the debt had been reported to my credit. At no point in between did anyone from National Credit Services contact me, by phone, email or regularmail. I called National Credit on XXXX and tried to speak to my original representative, who actually hung up on me. I spoke to XXXX supervisors, both of whom declined to assist me. 

A creditor is required to either speak to a debtor in person, reach a debtor by phone, mail a letter and wait a reasonable amount of time incase the mail is undeliverable, or send electronic communication indicating the issue before proceeding. None of this happened, despite the fact that I have received phone, email and mail communication from NCS before. I have been told by XXXX of the supervisors that a letter WAS mailed, but on XX/XX/XXXX. I have yet to receive it.
Product: Checking or savings account

So I first opened my account with TD bank I believe it was back in XXXX of 2020 now I was new to this account and im used to banks like XXXX where you cant over draft well around this time I was making small purchases to avoid overdrafting also didnt know that purchases dont get posted on sunday. I also had an issure paying my car payment at the time so I used my account and routing number to pay it because my debit has never worked from some reason. well XXXX I was paying it agian techanlly the account and routing number way went through take XXXX dollars out of my account and I made small purchases not know it was already paid. they overdrafted me XXXX dollars back in XXXX and at the time I learned from one of there associates that the an option in the app where you can turn offsome thing meaning when you at XXXX ull have no money so I didnt know about this unjtill later being a new customer with TD So I proceeded to so so I wouldnt have any more issues. now for ssome reason that option is enable again and Im over drafting like crazy again and TD just doesnt want to work with me on giving it back. Understand I havent receive one payment from unemployment since XXXX wich has cause me to live out of my car for four month with my dog and I also have crdit cards to pay that I cant and I might lose. just the other day they finlly towed my car reposessed because I was behind on my payment three months. now I dont have a home and my dog and I are now living in the streets so I need whatever I can get when it comes to money. Td has helped me on ike one or two in XXXX  but the ones in XXXX are more rediculous then any of then and I dont understand why they wont help me with the impotant ones plz help
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand immediate action regarding several inaccuracies and unverifiable items reported on my credit report. Under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), you are legally obligated to conduct a reasonable investigation into disputed information upon receiving notice of the dispute from the credit reporting agency .
Product: Debt collection

This company is routinely calling me threating to serve me a subpoena at my place of business and/or my residence. They are using a robotic voice and wo n't stop calling.
Product: Credit card

American Express, without notice or explanation, has removed my ability to challenge and/or inquiry questionable charges via its website. Access was removed approximately one week ago. Since then multiple requests to restore access have been ignored. 
XXXX
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 : XXXXXXXX XXXX  XXXX # XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX 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.
Product: Credit card

I booked a hotel using the capital one XXXX portal and with my capital one XXXX XXXX  card. After the wrong date were booked by them I tried to change the date to the right one. I called up capital one XXXX, the hotel, and the hotel 's management company. Capital one XXXX  said they can't do anything and to call the hotel, but the hotel and management company both said that because capital one handled the payment and booked my trip ( the wrong dates ) they would have to remedy the issue. Upon calling them, they say there is nothing they can do. 

One thing of note is the hotel and the hotel management offered to change the date no problem, but capital one refused to give me the confirmation code from the hotel and would only give me the capital one confirmation code. This blocks the hotel from being able to accommodate me, which they were glad to do. 

This is in bad faith given I used their travel card and their travel portal and they refuse to make any accommodation for changing a date well in advance of a trip. 

Booking was {$360.00} for XXXX night at XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX Check-in : Saturday, XX/XX/year>2024 at XXXX XXXX 
Check-out : Sunday, XX/XX/year>2024 at XXXX XXXX
Product: Debt collection

XX/XX/2020 XXXX, XXXX and Experian. I have filed a dispute in regards to the incorrect items on my credit reports. It has been well over 30 days and I have not received any investigation results. XXXX {$6600.00} XXXX XXXX Auto loan {$9600.00} XXXX Credit Card {$490.00} XXXX ( Original Creditor : XXXX XXXX  ) {$200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$150.00} XXXX ( XXXX XXXX  XXXX ) {$110.00} XXXX ( XXXX XXXX XXXX ) {$30.00} XXXX ( XXXX XXXX XXXX ) {$38.00} XXXX XXXX {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent another letter to the Credit Bureaus on XX/XX/2022 requesting that the Credit Bureaus correct and update the information being reported on my Credit Report. Previously, I established an investigation of some accounts with erroneous information and after reviewing the Credit Bureaus ' response I perceived that some accounts are still incorrect, with verified status. Related information similar to this is amazingly harmful to my current credit record. Please provide that the particular information is 100 % verifiable and accurate. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law : XXXX XXXXXXXX XXXX  XXXX XXXX, MO XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a XXXX XXXX XXXX and I've paid a collection that's on my credit from Caine Weiner XXXX XX/XX/2021 ) .I talked to them and asked how long will it take for the collection to be removed off my credit, they told me usually it takes 30days. Well I have a MyFICO app that's on my phone and I received a notification XXXX XX/XX/2021 XXXX that its been paid in full {$0.00}. But I still saw that I had a collection on my credit from Caine Weiner. So I called them and explained what's going on and there response was " well sir you'll have to call the credit bureau to fix that, well have no control over that at all. '' So as of today ( XX/XX/2021 ) I still have that collection from Caine Weiner on my credit.
Product: Credit card or prepaid card

XX/XX/XXXX I made a reservation for the XXXX XXXX in XXXX XXXX On XX/XX/XXXX I received an email from " XXXX XXXX XXXX '' ( XXXX  ) stating they could offer a better deal. I had to enter CC to see the deal. The deal was {$140.00} more and non refundable.. I did not accept the deal and left the site. The site immediately charged my card and sent me a confirmation. I called XXXX to state that I never confirmed nor authorized a purchase. Told by XXXX too bad it's non refundable. Immediately called Chase and the hotel ... I have disputed, sent faxes, messages etc. and Chase said that the merchant claims nonrefundable purchase.. I did not purchase anything. The XXXX XXXX XXXX XXXX for the XXXX  XXXX reached out to let me know that the hotel canceled the reservation and charged me nothing and charged XXXX nothing. I have been fighting the {$390.00} since XX/XX/XXXX and no one cares that this unauthorized charge for a reservation that doesn't exist is on my card. What is a senior citizen on a fixed income supposed to do when duped by a site and then her bank? We have excellent credit and have never had to file against something of this nature. XXXX is keeping money that that Chase paid them and Chase wants me to pay it back on the XXXX of this month. I have documentation of several correspondence with XXXX, Chase and XXXX XXXX. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 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 XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have not used my PayPal account since XXXX. I settled with PayPal and they sold the account to XXXX XXXX in XXXX of XXXX. Ive disputed it and they keep sending bills and calling for XXXX XXXX. I made one payment to them because I thought was medical bill. How can I remove it from credit report and get them to leave me alone?
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : EXPERIAN XXXX XXXX XXXX Account numberXXXX Date openedXX/XX/XXXX Account typeAuto Loan Balance {$0.00}. 
Loan Amount {$21000.00} XXXX XXXX XXXX Account numberXXXX Date openedXX/XX/XXXX Account typeUnsecured Loan BalanceLoan Amount {$0.00} {$6000.00} DEPT OF EDUCATION/XXXX XXXX   numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} DEPT OF EDUCATION/XXXX  {$12000.00} Account XXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} DEPT OF EDUCATION/XXXX {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018XXXX  : DEPT OF EDUCATION/XXXX  Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} DEPT OF EDUCATION/XXXX {$12000.00} Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} DEPT OF EDUCATION/XXXX {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX : DEPT OF EDUCATION/XXXX  Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} DEPT OF EDUCATION/XXXX  {$12000.00} Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} DEPT OF EDUCATION/XXXX {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX
Product: Mortgage

I went to pay my last payment XXXX tax office ion XXXX, XXXX XXXX. Have never had an escrow account with BANK OF AMERICA. Tax office said BOA had paid my last payment of XXXX without informing me. I immediately called BOA and paid them the XXXX. Begged cried and pleaded with them to delete escrow account, as it was paid in full. I am on XXXX and get XXXX per month yo pay my bills. My parents help me with taxes. I pay insurance separately also. HAVE BEEN WITH THEM OVER 20 YEARS. Paying XXXX per month. Payment has gone up to XXXX a month. They have tried to force me into a loan modification and other government help. I do not want that. Paid regular XXXX and they sent it to unapplied funds. Saying I didn't pay FULL AMOUNT DUE AND THEY DO NOT TAKE PARTIAL PAYMENTS. I called and pleaded but yo no avail. Again, they changed my mortgage payment from XXXX to XXXX a month. Please help me. I'm XXXX and.have never been late with a payment. Had paid XXXX yo tax office, went to pay final amount in XXXX and tax office said BOA has already paid remaining, called and paid BOA remaining amount immediately. They have forced me into escrow without any contact at all. When I ask to be removed they said NO. ITS like my 20 year history with them doesn't even matter. I am sending pics of statements where they wouldn't apply my regular payment of.XXXX. Until I paid XXXX... I am on a fixed income. I can not pay the XXXX extra every month. Never been behind on taxes, insurance or my house note. I really need your help..I just want them to take me out of escrow. XXXX may not seem like al
Product: Credit reporting or other personal consumer reports

I have two creditors saying I have student loans with them. One is XXXX who said they sold to ED Advantage Both are collecting on my credit reports and bringing m y score down with payments that are not due and accounts that are no longer theirs. One company needs removed my debt is double and it had been disputed multiple times. This is what it looks like on all three credit reporting companies Experian XXXX XXXX Student loans Total balance : {$86000.00} XXXX XXXX XXXX LATE PAYMENT  Balance {$740.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$500.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/2023 XXXX XXXX XXXX  LATE PAYMENT Balance {$6000.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$2800.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Balance {$5700.00} Balance updated XX/XX/2023 XXXX XXXX XXXX  Balance {$3700.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Balance {$3900.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$4000.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$2700.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$7400.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$6300.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

So TU/XXXX both reported that they verified a bankruptcy on my credit report using XXXX. I am trying to figure out how they both verified this information as accurate when XXXX has removed such information from their report for inaccurate reporting. I ask that both credit bureaus provide a proper method of verification or remove the information from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to the bank to begin the process of applying for a home loan. I got preapproved and put an offer on a house. Once the offer was accepted, I went back to the bank to continue the process and submit my application. The bank was able to pull my credit report for XXXX and XXXX but for some reason could not pull it for Equifax. They tried for multiple days before asking me to call Equifax and find out what why it could not be pulled. I spoke to three different customer service representatives, the first checked to make sure there was not a freeze on my account- there was not. She said the bank should be able to pull my report so I told the bank and they tried again, and again they could not pull the report. I called back and was told yet again they could not figure out why the bank could not pull my report. The customer service representative told me to create an account through myequifax.com in order to view my report myself. I tried to create an account and it brought up an error message and told me to call equifax, which I did. They could not tell me why I could not create an account. On XX/XX/XXXX, I figured it out on my own that if I created an account using my maiden name and not my married name that it allowed me to log on and view my report. I called Equifax and explained this. They FINALLY realized that they still had my in their system under my maiden name ( got married 2 1/2 years ago ) and my old address ( from 6 years ago ). They told me to fax over information to them in order for them to update it, and that i would take 5-7 business days. On XX/XX/XXXX I faxed over the information. I informed the bank that this was why it could not be pulled. The mortgage lender said she tried to pull my credit report using just my maiden name to see if that would work and it still would not pull a report. I went on XXXX and tried to order a credit report through equifax and was given a message that I could not order online through them, so I called. I am still waiting for that report to be mailed to me. We're also now on day 9 and the customer service representative I spoke to this morning said they had no received my fax with the information ... well he said, they either did not receive it OR they received it and have not updated it yet. He told me to fax it again. This has been going on for over a month now and the bank is waiting to approve my loan all because of this one credit report that I somehow can not receive. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is various lines not being reported correctly, there are various lines reporting the wrong information. All agencies should be reporting the same information : Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Secured credit card Credit line secured Secured credit card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$25.00} {$25.00} {$25.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$290.00} {$290.00} {$290.00} No. of Months ( terms ) : 0 0 0 High Credit : {$460.00} {$460.00} {$0.00} Credit Limit : {$300.00} {$300.00} {$300.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Secured credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ACCT HISTORY is not reporting correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX, XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX DE, XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX  XXXX XXXX  inquired on XX/XX/XXXX, XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/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