23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We opened an account in XXXX. It was around XX/XX/XXXX. It should have included a credit protection option for unforeseen financial economic hardship, which should have been provided to us. I contacted XXXX XXXX in XX/XX/XXXX with a letter explaining that our daughter had experienced a extenuating XXXX-XXXX  medical hardship, which resulted in her being in the hospital and XXXX for 34 days. I communicated this in XX/XX/XXXX, along with numerous calls to XXXX XXXX regarding each account that we had associate with XXXX XXXX. In turn, I also raised a customer complaint online as they instructed me to do, however to no avail. No one attempted to help us with this extenuating financial circumstances as result of job lost and my daughter 's XXXX-XXXX medical condition. In turn, I continued to receive calls regarding the account. At this point. I have been receiving over 100 multiple calls from this credit collection agency and others regarding this account, which has caused undue XXXX XXXX and XXXX along with the other circumstances that occur with my daughter and me experiencing a long term job lost. I am currently seeking work as well. My husband is also a XXXX Vet and we are both US military veterans. We have served our country well. This undue harassment and bias treatment regarding their collection practices is wrong. We attempted to implement the credit protection plan, which would have allowed one up to 24 months plus of deferment/ suppressing monthly payments given the circumstances.
Product: Credit card or prepaid card

I have had an American Express ( AMEX ) Platinum Card since XX/XX/XXXX BetweenXX/XX/20-XX/XX/20 over several conversations on a recorder line AMEX repeatedly assured me that if I did the following they would raise my card limit and honor their offer. AMEX stated that if I wanted to raise my monthly card limit I must max out the card to its limit then pay AMEX a large lump sum. However after doing so AMEX actually reduced my limit. Meanwhile because of AMEXs advice my credit score dropped as my debt rose. Now my credit score is lower and AMEX refuses to honor the agreement. When I spoke to AMEX they stated that their formula for credit limitations which is based on several factors to include credit score as well as spending behavior as justification for not keeping their promise. My home re-finance that was to close this week cant be done now.
Product: Debt collection

I contacted Portfolio Recovery to confirm the amount that was charged off, as I believe that is incorrect. I never got confirmation on verification of debt from the letter that I mailed off via certified mail through USPS.
Product: Credit reporting or other personal consumer reports

This is my second attempt to resolve this matter with this company I called the XXXX XXXX team for further verification on why is this account still remands on my credit file. Bankruptcy number XXXX I spoke to XXXX CASE NUMBER XXXX and he told me LexisNexis verify this information and they should be held accountable for lying because I also asked the courts to verify using the same case number XXXX and someone else name was attached and saying they do not report to credit bureau so how is this information verify or is this company lying and refusing to do there job.
Product: Credit card or prepaid card

I had 4 fraudulent charges to my Barclay Credit Card in XX/XX/2023. The charges started around XXXX XXXX. I informed them of the charge and they said they were sending new card and closing the card. Af few days later I go purchase alerts for {$60.00} XXXX XXXX in XXXX on XXXX XXXX. I called and informed them of the fraud charge as well as the fraud situation days before. The agent claimed that he would note the account and the charges would be handled. I asked how were they able to continue using the card when I would be receiving a new one and the account had fraud ; the card was supposed to be closed.The agent gave a vague answer and assured me that I would not be resposible. 
Now it is XXXX XXXX with purchase alerts for {$33.00} at XXXX XXXX and {$34.00} at XXXX XXXX XXXX in XXXXI know the location because you can see the charges and location. Again I called, confused, asking again how could the account still be active? They asked me as if I knew how the card got charged at the same time I noticed that the last XXXX digits of the card number online was different from the card I had. I asked about that and it was more XXXX reasoning since they left the account active. The first fraud charge was removed, but the other XXXX fraud charges were not removed. Initially, I was informed that they were closing the card and sending a new one. Only to add the XXXX charges to the new account when they were suppose to close the card and send a new one. I called today XX/XX/2023 after checking my account ( the charges still are there ) and spoke with a so called supervisor who claimed that it could take 90 days to resolve and that account would be credited back the charges. That was this morning. I just checked at XXXX XXXX. and nothing has been done. The charges are still there on the knew card as if they are my charges. 
It really should not be this hard for them to see that the charges are fraudulent. I live in XXXX the charges were in California and Tenessessee. I dont believe they are going to resolve the charges being that they did not close the card and then place the charges to the new card after stated they werenoting the fraud. This company is terrible, not thoroughly investigating, and have poor business practice. I really need help Barclay who has done nothing. I want this resolved so that I can close the account.
Product: Student loan

My student loan provider is currently Nelnet. I have been making my payments 1 month in advance to cut down on interest paid. On XX/XX/XXXX I made a payment to them for my loans that was not actually due until XXXX because I pay in advance. On XX/XX/XXXX I logged in to make a payment and it told me I had a past due balance. Impossible since the payment I was making in XXXX was actually XX/XX/XXXX payment. I called them XXXX and spent about 1 hour and 13 minutes on the phone. The lady said I had a total of 4 loans and that my payment in XXXX was applied to only 1 loan and the other 3 were not paid so that is why I had a past due balance. She said she would submit a request to fix this but that request would take about 3 weeks to process and then I would be able to make my XXXX payment before the due date and it would no longer reflect that I had a past due balance. Fast forward to today XX/XX/XXXX, I logged in to their website to make a payment and it still showed I had a past due balance. I called them XX/XX/XXXX and literally spent 2 hours and 53 minutes. It was an hour and 20 minutes before someone even picked up. The lady said that the original request sent in on XX/XX/XXXX was not done correctly and then proceeded to say she was submitting a new request for me. After that she proceeded to tell me processing times on these requests are now 7-8 weeks out. I said this was unacceptable and needed this fixed now so I can make my payment and no longer reflect I have a past due balance. I requested a supervisor and waiting on hold even longer. XXXX was the supervisor name and gave me the same information the customer service agent did. That they cant expedite these requests and that they take time. While all this is going on, my account will now reflect 60 days past due in XXXX and who knows if this will even be resolved until XXXX. I just want this fixed so I can pay them the money I owe. While I am not able to make a payment, I am being charged more interest on money that I technically should have already paid but cant until they fix the past due balance. It is unacceptable for them to be this far out on fixing issues. Please help!
Product: Checking or savings account

They deactivated my cash card and direct deposit which has my VA pension on it now I am ultimately in a tight spot
Product: Debt collection

Collector : Innovative Recovery Inc, Inc. XXXX XXXX XXXX XXXX Tx, XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Amount Owed According To Collector : {$1000.00} I have disputed this account on several occasions with the debt collector and the credit bureaus. XXXX  has removed the account from my credit report based on the facts of my dispute but XXXX  and XXXX  has stated the account is verified as accurate even with the proof I have provided. When the debt collector Innovative Recovery Inc was asked to provide me with validation that the debt is mine and that i owe the debt they provided a letter stating the debt is in fact mine and a balance owed is {$1000.00} but also they sent a list of charges along with my lease agreement from the apartment company that says a balance of {$1000.00}. So therefore an extra {$50.00} is claimed to be owed to the collector for what reason I am unsure of. When i contacted the company by phone the rep could not give me an explanation of what the extra {$50.00} was for. Then he stated well there was an extra charge after we received the collection. I asked what was it for. & he still could not give me an explanation. I said can i have proof of that. HE said sure, I still have not received it as of today. I once again called the company asking to speak w/ the supervisor which is XXXX, I asked to for all documentation on file to be sent to my address. Which i only received a letter saying they are attempting collection on the debt, with no explanation of the charges. This account is ruining my credit. In a previous complaint filed w/ cfpb the collector stated that the collection was for breach of contract of a lease agreement and would settle for {$600.00} but still did not explain the amount in detail of why there was a difference in the amounts that were listed in the requested validation of debt documents. As of today the statues of limitations is 5 years and 10mos. I do not intend to settle this debt until I receive explanation of all charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Date that I discovered it : XX/XX/2023 XXXX XXXX XXXX Date that I discovered it : XX/XX/20XXXX XXXX XXXX XXXX Date that I discovered it : XX/XX/2023 XXXXXXXX XXXX XXXX Date that I discovered it : XX/XX/2023 Total fraudulent amount : {$920.00} Total fraudulent amount : {$160.00} Total fraudulent amount : {$570.00} Total fraudulent amount : {$830.00}
Product: Credit reporting or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

11.15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ocwen has had a negative on my credit report since I sold my home in 2015. I have been writing to the credit reporting agency to have it removed but Ocwen has refused to take the negative off. I joined in a class action suit against Ocwen and case was settled in our favor. Copy of the settlement letter and check from the Dept of Business Oversight is attached hereto. When I have made calls to Ocwen they say they have no record of me and asked me to provide the dates in question. Yet they still report negative info.
Product: Bank account or service

I am currently using BOA 's merchant services for my online business. They are currently holding an order that is about {$2500.00} because they need to check it for fraud they say & it should only take an additional 24 hours. Well it has been a week and they are still holding the money but they took it out of the customer 's account but not transferring it to me. That makes no sense. So the customer is wanting their item and upset they have been charged for it already but I ca n't ship their product until I get paid. BOA assigned it to a security rep that checks for fraud that is supposedly on vacation because she has n't been to work the entire week. All BOA tells me is that I have to wait. This affects my business and reputation. Im sure BOA would n't do this to a large store. They are taking advantage of a small business and that is not fair.
Product: Vehicle loan or lease

Purchased our vehicle and it was financed through XXXX XXXX All was well until we moved and received a notice that our insurance was reported canceled by the state of California. We contacted our insurance company and had them send over the current insurance, proving that there was no lapse in coverage. A couple of weeks later we receive a second notice of the same thing. We again contacted our insurance company and had proof of insurance sent over. Meanwhile, XXXX has added their own insurance to our bill and because we pay the same amount every month that does not include the insurance we do n't need, they are now threatening to report a delinquency to the credit bureau. We have had our insurance company send the proof of insurance a third time, but we are being told that it takes 10 days to process and will be past the 30 day mark so it will be reported to the credit agencies.
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.

XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  Account XXXX  XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX, 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 reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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

In account to the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer right to privacy and confidential under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without written consent.
Product: Debt collection

Consumer law states they owe my down payment back and they have the car back, because Flagship Financial wouldn't lower my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for several years to remove these accounts that do not belong to me from my report. 

The first account is XXXX - I have no idea what this. Its has been on my report since 2019. 
The second account is XXXX XXXXXXXX XXXX. It has also been on my account since 2019. 
The third account is United Auto Credit. It has been on my report for 5 years! 

This false information on my report is stopping me from buying and house and getting other loans that would greatly help me.
Product: Credit reporting

I have been disputing a charged off account on my credit report with all XXXX agencies. It is my understanding according to NY state law that the debit should be removed after XXXX years. It has been XXXX months shy of XXXX years and I can not seem to get this removed from my credit reports. It is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The account number is XXXX. I am a single mom going to college working XXXX and wanting to purchase a home as soon as this is off my credit report. If you could help me that would be great. I have done research and NY law states XXXX years. Thank you for your time.
Product: Credit reporting

I found out the company is owned by XXXX at XXXX XXXX, OR XXXX and that is who filed the complaint with Equifax. I just double checked with the leasing office that I applied to that received this fraudulent information from the credit report from Equifax telling me that it was the last apartment I lived at and gave me the property name of XXXX that was on the credit report. This company runs XXXX and XXXX my Account ending in XXXX. I will attach my ID that has nothing to do with the address where I use to live, but I hope it helps. I can also attach a photo of the first page of the first year lease. Also it 's {$650.00} that is listed that I owe on the credit report - my rent was {$680.00} - they had me moved once and possible are confusing me with someone else 's old lease - they actually owe me money, security deposit - {$150.00} - possibly being accused by two roommates whom verbally and physically assaulted me continuously accusing me of not paying the electric bill ( verbal abuser replaced her lease to a physical abuser ) They felt I was solely responsible for the electric bill ( which all my payments are noted on EWEB for my share or I have a receipt for the much earlier ones to this of the physically delivered payments to the verbally abusive roommate whose name was on the bill. Being XXXX, it appeared the office was abusively discriminating me to this constantly trying to run me out. I have video on Instagram to the physical abuse and living conditions to this as well as emails from XXXX ignoring my cries and even trying to throw me out to previous cries before moving me to this different room when I was getting seriously ill from smells of heavy drug use which I reported to campus police.
Product: Debt collection

1 ) In XX/XX/2016 I was contacted by a law firm called XXXX XXXX  XXXX regarding a XXXX debt at XXXX  XXXX. I paid the debt in 3 payments and the debt was cleared from my record 2 ) I had two debts I collection from XXXX  XXXX, one was at XXXX XXXX  XXXX for XXXX and another was at portfolio recovery group for XXXX. I paid XXXX XXXX  XXXX the full amount and settled with portfolio recovery for XXXX with portfolio recovery on XX/XX/2016 On XX/XX/XXXX I noticed my credit reflected a debt from XXXX  XXXX at portfolio recovery group. I contact portfolio recovery group and they said I have 3 XXXX  XXXX debts with them one for XXXX one for XXXX and a third they would pull up for me. I explained the situation and they refused to listen.. 

I contacted XXXX XXXX  and spoke to a manager name XXXX who saw the debt paid off at XXXX XXXX   XXXX but refused to contact portfolio recovery group on my behalf and regarding the other 2 she said since they are sold to portfolio recovery she has no information. I faced proof of payment to XXXX XXXX  and to portfolio recovery and asked portfolio recovery to pull all the recorded calls from my phone number and confirm that we had settled for one debt and the secon debt was already settled at XXXX XXXX  XXXX and they refused
Product: Credit reporting or other personal consumer reports

Subject : Request for Verification of Incorrect Late Payment XX/XX/year>. 

Dear Equifax, I am writing to formally request all information used by your bureau to verify the inaccurate late payment reported on my credit file related to XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, any unverified and inaccurate information must be removed immediately.

Please provide me with all details your office utilized to verify this incorrect late payment, including, but not limited to, information from public record websites or any third-party vendors involved in this verification process. Specifically, I would like the following information : - Names of the companies involved - Addresses of these companies - Phone numbers- Websites of the third-party vendors If there is a failure to comply with this request to produce evidence of the METRO 2 COMPLAINT removal request, I expect this account to be updated as paid. If necessary, instruct my legal team to file a complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Florida Attorney General. We may also pursue any further legal actions deemed necessary, including civil and punitive damages. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report to only find several inquires on my report that is not mine and they need to be removed. They were fraudulently applied. I also have several addresses that are not mine and needs to be removed from the report.