23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I can't express enough how frustrating and overwhelming this situation is. Waking up to find a debt on my record that I know nothing aboutcompletely unverified and not minehas been shocking. On top of that, I've been bombarded with harassing messages and calls from different platforms using various tactics. I never imagined I'd be facing threats of legal action over something I have no connection to. As a law-abiding citizen, it's incredibly insulting to have my consumer rights blatantly disregarded. This ordeal is affecting my mental health, and Ive been losing sleep over it for days.
Product: Credit card or prepaid card

On the XXXX of XX/XX/2023, I signed a contract ( attachment 1 ) with XXXX XXXX and XXXX XXXX to move my furniture. On the initial phone call they provided a total estimate of {$4800.00} and required that I pay a deposit for the estimate. We paid a deposit of {$1800.00}, specifically for the total price of {$4800.00}. Weeks later, ( after the 3-day period for a full refund ) they had an estimator come to our home to update our furniture estimate. The moving company then called us over the phone to update our moving bill to a total of {$9000.00}. They were asking for an additional {$1900.00} on that phone call with {$2600.00} being paid at pickup and another {$2600.00} at delivery. These numbers were given over the phone which were taken down on a note pad ( attachment 4 ) As this was nearly double the original amount we asked for a full refund which the company denied. They offered a 50 % refund. After demanding a full refund and their refusal, I called the Chase customer service department and told them I believed this to be a bait-and-switch fraud. The contract provided by XXXX in attachment 1 page 7 specifically says the original estimate is binding and that it will not change unless you order additional services, add additional items or additional weight not in the estimate. During the initial phone call we provided the estimator a comprehensive list of all pieces of furniture. There is no reason the estimate should have doubled other than fraud by XXXX as I had already paid a deposit. 
The Chase customer service rep asked if I wanted to start a chargeback which I agreed to. At this point, I asked Chase customer service if I needed to communicate with the Allegiance moving company any further, and the representative stated that I did not and that Chase would handle the case and let XXXX know I was canceling on my behalf. 
The moving company continued to call us nonstop about this and we were ignoring the calls as advised. I called Chase once again to clarify If I should answer the phone calls from XXXX. Chase again said that I did not need to respond to them. Finally, the day before our scheduled move, XXXX left a voicemail that they were going to send a truck for pickup, we called back and said we had canceled their services to which the rep from XXXX became very hostile and cursed at us. 
When I got the first response from Chase, they stated they denied my claim because the Merchant properly disclosed a limited return or cancellation policy at the time of the transaction. XXXX electronically signed the cancellation policy. XXXX  is entitled to only 50 % refund. Chase took back the full {$1800.00} amount. I repealed their decision and sent them a letter ( attachment 2 ) better trying to explain my situation. Chase once again denied my chargeback with no money returned ( attachment 3 ). 
Chase provided poor advisement to me in this case offering a chargeback and then ultimately denying my claim. By the time Chase gave its first decision, we could not get the 50 % refund because they told us we did not need to contact XXXX moving and the original moving date was already passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a challenge letter to Experian in regards to negative items being reported to my credit report. Per FCRA they are to investigate every letter sent to them. As of XX/XX/2018 they have failed to investigate these items and because it has been more than 30 days they are to delete them. On XX/XX/2018 I have sent another letter for those same items and they have not till this day done anything with that letter. I demand them to delete all negative items that are listed on my report for failing to investigate said items. 
Due to the obvious yet significantly INCONSISTENT and or INACCURATE and or incomplete reporting of the claimed derogatory event against me, I am notifying you of my enacting of consumer right to CHECK for : 1 ) physically verifiable document VALIDITY 2 ) physically verifiable evidence of COMPLIANCE OF REPORTING 4 ) testimony attesting to the factual FULLNESS of claim ( s ) truth, correctness, completeness, timeliness, ownership, responsibility, compliance to all applicable reporting regulations/laws/or standards AND the CERTIFIABILITY of the aforementioned FURTHER, Due to the obvious yet significantly incomplete reporting of the claimed derogatory event against me, I am notifying you of my enacting of consumer right to CHALLENGE the claim ( s ) : 1 ) based on MISSING aspects of CERTIFIED COMPLIANCE 2 ) based on DEFICIENT aspects of CERTIFIED COMPLIANCE 3 ) or based on ANY OTHER questionable aspect of COMPLIANT and CERTIFIED PERFECT REPORTING LASTLY, Per federal laws, VALIDITY of claim MUST be perfectly TRUE & CORRECT, and to REPORT the VALID and VERIFIED derogatory claim MUST be perfectly COMPLIANT " as reporting WHEN REPORTED ''. ANY deviation from that minimal criterion of validity or reporting compliance makes retain the derogatory data unethical and unlawful and gives consumer legal grounds to DEMAND immediate and permanent removal, so DELETE your unjust and injurious claims versus me NOW! ''
Product: Debt collection

Resurgent Capital services an account for LVNV Funding is still harassing me over an account they fail to provide ownership. I am waiting for information regarding the purchase of this account from XXXX XXXX XXXX XXXX. LVNV Funding and Resurgent Capital is asking me to provide documents showing identity theft and unauthorized charges. If they trying to collect for XXXX XXXX or have ownership of this account they should have all documents. XXXX XXXX XXXX XXXX was sent over a copy of a police report years ago and I was informed not to worry about the balance. I am not doing the leg work for LVNV Funding or Resurgent Capital. I know this much if they keep harassing me by sending notices in the mail I promise you I will be taking them to court. I am XXXX  with XXXX and this company is really irritating me. I have an appointment with the XXXX  XXXX legal team regarding the harassment I am receiving from this company. LVNV funding trying to make a living off someones else. The are trying to piggy back off someones gain. You will not get anything from me but a lawsuit. Ive asked many of times for this fraudulent debt company to stop harassing and contacting me and they are still doing it.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I think we need to remove any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts have inaccuracies in their reporting, with wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... 
If, any reinvestigation under paragraph ( XXXX ) of any information distributed 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... 
( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX Account Name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX Account Name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active XXXX Account Name : XXXX XXXX Account XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX Account NamE : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX Account Name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX Account Name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX Account Name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not missed any payments on this account. Please investigate to ensure the information reported is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint seeks to have kashable LLC and XXXX identify why is there a report of a XXXX day late reporting to XXXX on an account that was paid and closed in XX/XX/XXXX with Kashable LLC. I've tried to bring this to the attention of Kashable supervisor ( who I was told was on the phone and then at lunch and he would return my call but never did ). I continued to make calls attempting to rectify this issue, using all my time and energy for this egregious error that caused an XXXX point decrease in my credit score. I brought this to the attention of Kashable and they deny they reported this ( although I disputed the 30, 60, 120 day late they did report back in XX/XX/XXXX and again in XX/XX/XXXX ). I was told by XXXX supervisor that it was the creditor that report these items. I am back and forth between XXXX and Kashable and both are saying it was not them it was the other.
Product: Credit reporting

My identity was stolen in early 2000 's. I have an open case with the department of justice and they have arrested the woman that opened accounts in my name. I have filled out an FTC Fraud affidavit and sent it to the credit bureaus however they have not done their jobs and removed XXXX items. 1. XXXX BANK 2. XXXX XXXX JUDGEMENT. 3. XXXX BANKI Feel like Experian is leaving these accounts on the credit report so they can make more money off of the negative reporting. This is not only wrong but very unethical and illegal. 
I have sent XXXX letters certified and the accounts are still showing. Attached are my documents and letters I have sent the credit bureaus. Please investigate and fine this company for violating my federal rights.
Product: Credit card or prepaid card

Last week, around XXXX, i noticed a strange charge on my XXXX  unemployment card, it was for a gas station in XXXX, i have not been to XXXX  in over 2 years, i called the gas station and they told me to call my bank. The next day there was another similar charge for a XXXX  gas station, i changed my pin and followed the online prompt to label my card as stolen and get another. In the mean time I could not access half of the phone menus because I had no card number, after getting the card I can not get in touch with anyone over the phone, and neithet the app nor the website have a way for me to dispute the charges. 
The website says that customer service is 24/7 but I have been on hold waiting for the next customer service agent for over 3 hours at one time. It seems that either the company, way2go card, does not care about their customers, or someone at the company is stealing the information on cards and then making sure victims don't get through to customer service. 
The total amount of losses is XXXX to XXXX, i cant get anyone to help me figure the fraud out.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

On XX/XX/XXXX, XXXX collections were put on my Equifax credit report. These accounts are not mine. XXXX XXXX XXXX bank Balance {$590.00} opened XX/XX/XXXX, XXXX XXXX XXXX balance {$1000.00} opened XX/XX/XXXX, XXXX balance {$600.00} opened XX/XX/XXXX, XXXX Balance {$310.00}, XXXX accounts for XXXX XXXX opened rhe same day seems highly irregular. Plese delete these from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department this is the second police report I have made with the XXXX XXXX Police Department in reference to fraudulent and unauthorized accounts, hard inquiries and collection accounts listed on my XXXX XXXX, Equifax and XXXX credit report. The police report case number that 's on file is : XXXX. I been receiving harassing telephone calls and death threats from creditors and debt collection companies in regards to the following accounts and debts that are fraudulent and unauthorized, and do n't belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, {$2800.00}, XXXX XXXX XXXX, {$14.00}, XXXX, XXXX XXXX, {$7100.00}, XXXX XXXX XXXX, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, the following collection account is fraudulent and unauthorized : XXXX XXXX, {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on all three credit bureau website based upon the information supported by XXXX XXXX and XXXX. 
XXXX and XXXX ( personal loan ) account balances are incorrect. Both accounts are at {$0.00} balance. I am hoping CFPB can get this corrected in XXXX. These {$0.00} balances occurred XX/XX/XXXX and XXXX XXXX. 
XXXX  website has not updated account since XX/XX/2022. I am assuming the other two have not been updated as well.
Product: Debt collection

Complainant - XXXX XXXX - ( XXXX ) XXXX - email XXXX XXXX Collection Company XXXX XXXX XXXX XXXX. 
Account number : XXXX XX/XX/XXXX Hello, I received a letter from G.L.A. Collection Company, Incorporated dated XX/XX/XXXX. I called to verify the balance and explained that I had made arrangements to pay XXXX XXXX office with automatic payments from my bank in the amount of {$21.00} on the XXXX of each month. I explained that I had not received any communications from XXXX XXXX office and was unsuccessful with contacting his office to verify why the bill was sent to a collection agency despite on time payments. I spoke to XXXX of G.L.A and he could not verify the exact date that G.L.A obtained the balance of {$210.00} from XXXX XXXX office ( which I would think the letter that I received dated XX/XX/XXXX would not be dated the same exact day they took possession of the account ). He refused to contact XXXX XXXX office to verify the payments that were made including the most recent payment that was sent AFTER the date of the letter from G.L.A ( payment on XX/XX/XXXX in the amount of {$21.00} ). I restated to XXXX that I could not reach XXXX XXXX due to XXXX XXXX having closed his office. XXXX stated several times that he would not assist with verifying a different amount and that my account would be reported to the credit reporting agencies by XX/XX/XXXX. I paid G.L.A. {$130.00} on XX/XX/XXXX and {$65.00} on XX/XX/XXXX. Prior to XXXX XXXX, I contacted G.L.A again and they agreed that I could email them proof of payment. I emailed G.LA. proof of payment and called G.L.A after not receiving a reply after a week. I left a voice mail at the number that goes directly to XXXX 's line and he did not return my call. Today, on XX/XX/XXXX I called and spoke to XXXX and he stated that G.L.A did not reply to my email, because they are no longer servicing the account. Initially, he refused to provide a letter that stated the matter would not reflect on my credit report. I asked to speak to a manager and then after being on hold for a few minutes, he said he was informed he could email me a letter. The problem now is that the letter does not reflect that I paid the {$190.00} sent that was owed and that the {$21.00} had already been paid. XXXX is refusing to state that they received the payments that I sent directly from my bank. XXXX is also refusing to verify if the payments were sent to XXXX XXXX. At this point it seems like this bill can resurface from G.L.A., another collection company or even XXXX XXXX, if he isn't aware that G.L.A obtained payments on his behalf. I am requesting that G.L.A be directed to send me a written notice that states the amounts and dates that payments were received as well as the fact that I didn't owe the additional {$21.00}. I owed {$190.00} ( which was paid to G.L.A. ) and not the {$210.00} that G.L.A has repeatedly threatened to put on my credit report. 

Please use - XXXX to open the correspondence from G.L.A G.L.A Collection Company,  Incorporated XXXX XXXX XXXX, XXXX, KY XXXX XXXX Additional P.O. Box listed to mail payments G.L.A Collection Company, Incorporated XXXX XXXX XXXX XXXX IN XXXX
Product: Student loan

I originally only borrowed about XXXX in student loans while in college. I XXXX in 2009 and have had trouble paying them back. XXXX XXXX now Navient never told me about lowering my payments or doing options other than forbarence. I could have possibly made a lower payment but they always just suggested forbarence so that is what I had to do. I did it until I could n't do it any more and now I owe over XXXX. This amount is obsured. It literally causes stress every day. I heard from a friend last year about PAYE and I signed up for it through the federal website. It automatically put my loans through fed loan servicing and now I owe them XXXX and not Navient. Navient misled me when I could have made cheaper payments and I do n't feel I should have to pay back my total loans because of that.
Product: Checking or savings account

At least 2 years ago I ran into problems with my bank over their claims that a check that I tried to deposit was fraudulent. At the time I had been trying to find jobs that I could do that were more independent, work from home and more like me being my own boss due to certain medical limitations that I have that prevent me from driving and that therefore get in the way of me being able to hold a full time job responsibly in a way that employers would be satisfied with. So one of these things was being a mystery shopper with a company I found on the internet in which they supposedly would send out a check for so much for me to then go mystery shop in different ways or for different reasons or things and get paid for doing the research. But the bank claimed the check I got was fraudulent. So I printed out all the emails pertaining to this and showed it to them, but they still wouldnt research it to verify whether or not if they may have made a mistake. So they froze my account and prevented me from either taking anything out of it or depositing anything into it and never let me retrieve my money out of it and now ( as of XX/XX/2021 ) claim that the accounts been closed and that they didnt keep or steal anything from me. But I know I still had money in my account that didnt have anything to do with any check ( {$140.00} ) back then and now it even shows on the XXXX website that I have cash still just sitting there. And recently, I began a new online business and my first payment of {$80.00} based on what the debit companies website shows mistakenly got deposited into that old account also due to how when you set up the account with the debit company they automatically pull up your banking info and enter it themselves. Which also tells me that the account isnt really closed like the bank is trying to tell me that it is if a place like a debit card payment company can still mistakenly pull it up as an open account. So I want my money back from this bank and for the account to really truly officially be closed. Thank you.