23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Around XXXX, I was able to pay off all of the debits I encurred taking care of my mother with XXXX. I payed everyone back, some accounts were settled for less than the amounts owed. Chase was a company I settled through another company whom bought the account. I continued to receive collections call from another company on their behalf. I explained mutiple times and sent the documentation to show I had payed the account, which was {$500.00} in full for the XXXX and the extra fees charged were supposed to be null because that was the actual credit limit and at the time I defaulted the card was not maxed out, and the collections agency said that would be the best they could do to settle the account. So I payed them over the phone. For about six months the calls stopped. Then they started again with Chase saying I owed just {$500.00}. Again, I said I did not owe the money, and that the account had beeen settled and gave the information. A few months later another collections agency contacted me saying the bought the account from chase and that I could pay them. My credit report is still showing the original creditor, being chase. When I called them they said that they never received payment for the account. I alerted them that they sold the account and the collections agency had recieved the money. They told me they bought the account back and that I now owed them the money for the account. While disputing this with them, I and my children had to flee our home due to XXXX  XXXX, my life was basically thrown away as revenge and what calls that were being recieved, I was unaware that my phone had been cloned. My x had his sister and niece calling/answering certain calls and making promises to pay this bill again. I again called and explained that I already sent the information and that they were not talking to me. They began calling me non stop three and four times a day. I ended up blocking them enough times to have mental peace, however its been 9 years and they are still reselling the account and not only are the new owners marking my credit report, Chase the original owner is making bad marks on my credit report. I dont know how to get them to stop, and I havent answered a call from them in over 4 years, three of those years I was homeless with no address. Im not sure what else to do, I tried to go to the police, but my problems are not monatry enough for them to get involved. I tried to show the accounts that were payed the same time to show I payed everybody and some were more than XXXX, why would I skip the one account. Now they dont call as my number has never changed, but they continue to negatively report to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit recovery act XXXX  account has violated my rights, # XXXX, 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannat-furnish a account without my written instructions.

186 15 USC 1666B : A creditor may not treat a payment on a credit card account under c.n open end consumer credit plan as late fore purpose.

ossalloI 2541
Product: Mortgage

I WAS INQUAIERING ONLY ABOUT THE XXXX BANK HELP. BUT DID NOT TELL THEM I WANTED IT AND DIDN'T OK IT. AND MY WIFE SAID NO. 
OUR ACCOUNT HAS BEEN PERFECT TILL XXXX AND XX/XX/2020. THE BANK OUT XXXX INTO IT AND PUT MONEY INTO A SEPARATE ACCOUNT. THEY SAID THEY WOULD FIX IT. 
NOW THE WAY IT'S WORDED AND WHAT THEY DID MAKES OUR ACCOUNT LOOK BAD AND NOW IT LOOKS LIKE WE OWE THEM MORE MONEY. NOW THEY REFUSE TO FIX IT CORRECTLY. THEY PUT TERMS IN THERE LIKE REVERSAL, REVERSAL, ETC. MAKES IT LOOK LIKE WE WERE LATE. AND WERE NEVER LATE. THEY REFUSE TO LET ME SPEEK TO A SUPERVISOR OR THE CEO. 
PLEASE PROVIDE ME WITH A FAX NUMBER SO I CAN SEND YOU THE PRINTER OUT PROOF ON WHAT THEY DID. I DON'T KNOW HOW TO UPLOAD A FILE. 

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

In accordance with the fair credit reporting act this creditor has violated my rights under XXXX USC XXXX section 602 states i have the right to privacy XXXX USC XXXX section 604 a section 2 a yet also states consumer report agency can not furnish an account without my written instructions under XXXX USCS XXXX a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Checking or savings account

I deposited approximately XXXX into the savings account during the first few weeks of XX/XX/2023. Upon attempting to withdraw XXXX during the last week of XXXX the bank froze my account. I contacted them over the phone. The bank asked me to verify information via USPS which I did. After receiving the documents they said I would have access to my funds within 7-10 business days. They have a very difficult system for taking calls which causes extremely long wait and transfers. I have since contacted them over XXXX times and each time I am given very little information about where my funds are or why my account was frozen. Its almost as if they are purposely wasting time to delay return of funds. After many calls I was told my account would be force closed for fraud although no exact explanation for this was given. And that my funds would be returned to the original funding source again ( for the XXXX time ) within XXXX business days. I asked the representative exactly what day that would be. The representative who claimed to be a Supervisor stated that would be XX/XX/XXXX XXXX I called the bank on XX/XX/2023 and after many transfers and holds I was asked to allow another XXXX business days to let them research my account. On XX/XX/2023 I called again and was told my funds had gone to Unclaimed Property and the account would need to be reopened in order for my funds to be returned and this would take another XXXX business days. I informed the bank I would report them to the FDIC they took the report number. The FDIC asked me to contact Federal Reserve the XXXX asked me to report to you.
Product: Credit reporting or other personal consumer reports

I requested documents on accounts that have signatures of all parties involved. I requested such documents via mail TWICE and by phone. I never received such documents and the companies never provided any type of follow up through mail, phone, or email. Some companies would not even give me information over the phone because I could not verify certain account details. I have already had issues with fraud before. The accounts are listed below with as much information as I could gather on them. 

XXXX XXXX XXXX XXXX  account number XXXX XXXX account number XXXX XXXX - XXXXXXXX XXXX XXXXXXXX account number XXXX XXXX XXXX XXXX could not obtain an account number but it seems health insurance related and I have had all health insurance items covered under my insurance policies and they would also not provide documents as previously stated. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX This item appears on my account several times and not only has it been past the seven year mark for them ( meaning they should not even appear on the report in the first place ), there is no balance associated with these accounts. 


This is all the information I was able to gather on these accounts. Again, documents were requested multiple times and never received and no kind of follow up from the companies in regards to the accounts in questions ever happened. This is against the law as they have to provide documents when reuqested to do so. 

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

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.

Please remove these items from my credit report immediately as I am well within my rights.
Product: Checking or savings account

My wells Fargo debit card was used to make multiple charges overnight while I was asleep that totaled to around {$200.00}. Wells Fargo has not issued a credit for this even as long-term customer over 10 years.
Product: Consumer Loan

I have a car repo and take i feel that just take my money i put XXXX dowm payment when we sstar the procces i say that i only have XXXX for down payment but they releaseme a car but later they cant aprove because i will need more ddaw payment i say i have XXXX but later they say not enouhg that i will need a least XXXX that i say ok i was driven thr car already they put in 3 payment XXXX +XXXX+XXXX when the XXXX payment i dont make i recieve a call that i have to pay or they will come for the car and then a month pass and i recieve a call from finance loan that i dont was aprrove i call dealer and they say is ok i olso buy a GAP insurance i dont know why if i have XXXX deductible but the problem is that i buy the car and was no condicion i have to expend XXXX on alternador amd battery new but the worsh is they use something that when the day after i dont make a payment they kill the car i can drive how they want me to pay if i dont move arround to work because they dont let me drive and by the end no was two months amd finaly they come for the car a police plate in the neck nock my door and say that he will take the car amd if i dont move the my other car he will use the force i was checking the XXXX and i get other vin check and no mach wath they give me i endent paying about XXXX and i still dont know where to claim can i do something about?
Product: Credit reporting or other personal consumer reports

Despite multiple attempts to resolve these errors directly with your bureau, these fraudulent items continue to appear, severely impacting my financial standing and credibility. The fraudulent items in question are not only incorrect but have been on my credit report for an extended period. I have provided substantial documentation and evidence proving the fraudulent nature of these items, yet they remain uncorrected. This ongoing issue is causing me significant stress, inconvenience, and potential financial harm. Furthermore, I am seeking the assistance of from you to ensure that this matter is handled appropriately and expeditiously. The presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. I urge you to prioritize this matter and take all necessary measures to ensure the prompt removal of the fraudulent items from my credit report. If this issue failed to addressed satisfactorily may compel me to seek legal actions gainst them. The following items should be remove as soon as possible 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
Product: Mortgage

My mortgage is serviced by NewRez/Shellpoint. My XXXX XXXX resulted in an almost a XXXX surplus refund check. My escrow monthly payments also went down about {$200.00}. When I received my XXXX XXXX, it shows my escrow balance is negative by almost XXXX. 

Here 's why : My XXXX XXXX was based on taxes of {$790.00} paid in XXXX which was prorated and land only. NewRez didn't review the tax assessment documents or closing docs to see that my property taxes was actually estimated at {$3300.00} a year My Property taxes increased by about {$500.00} for XXXX My Hazard Insurance increased by {$700.00} due to a water loss So basically NewRez lowered my escrow payments and refunded " surplus '' just to tell me I now owe almost XXXX and the shortage will be added to my already increased mortgage payments if i can't pay it in full. So my monthly payments went from {$1500.00} to almost {$2100.00} a month
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : two addre sses in Louisiana not mine.     Though a  XXXX   XXXX  (  XXXX   ) a t  XXXX   Fraud Management Dept inf ormed me in   XXXX   XXXX   that I am not responsible for a fraudulent purchase at a  XXXX  store in Louisiana,  two Louis iana addresses are now on my consumer credit files. I have never lived nor worked in Louisiana. I have been an Illinois resident since   XXXX  .     Both Louisiana addresses should be deleted from my consumer credit files. They are :  XXXX   XXXX   XXXX ,  XXXX   XXXX , LA  XXXX   XXXX   XXXX   XXXX ,  XXXX , LA  XXXX
Product: Credit card

I paid for the service on XX/XX/XXXX, and XXXX business days ( XXXX week ) with no information or response about the service I paid for I asked for my money back.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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: Debt collection

My name is XXXX XXXX XXXX from XXXX, VA and I received calls from my mother, XXXX XXXX, advising that she received numerous calls from XXXX, a Collection Agency advising that if she did not provide information regarding me, that they would put her in jail. She has messages and logs of the calls over the last month. They also called my ex wife and ad I advised my Mother to give them my information - I have been at the same address and phone number since XXXX. There is no reason why a company can not contact me or find my number. 

I received a message from XXXX with a non-toll free number ( XXXX ). When I called XXXX on XX/XX/XXXX at XXXX, they advised me of a credit card from Juniper, to which I had a card and paid it off in the XXXX 's. Although they advised that it was paid in XXXX ( which is impossible ), I advised that I wanted to dispute and was told " good luck with that '' and hung up on. When I called back to dispute on the same day at XXXX, I was put on hold for over 8 minutes and then hung up on. 

I have not received any letters or information about this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX report incites information on my credit report. Those companies are reporting accounts that are fraud and not mine or are reporting inaccurate accounts that have been paid and closed as still open with outstanding payments and balances. They ignore or deny my disputes each time i request for fir them ro correct the inaccurate accounts. They ignored my request to freeze my credit report and put fraud alert and protection. Also their credit score reports are inaccurate or non existent nor consistent. This occurred from XX/XX/2019 to present. I have not received a credit report or score update from either credit consumer company. My identity was stolen and my information on the credit reports and accounts have been compromised. I can not access my online accounts at all. XXXX daye breach
Product: Debt collection

received call at XXXX on XX/XX/2016 and the television caller id identified the caller as Portfolio Recovery XXXX had called /but on the voicemail did not leave a message could not call back as long distance and can not afford/I am XXXX /another XXXX person lives here as well
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I entered XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX, where I was looking to purchase tires for my XXXX XXXX XXXX. XXXX XXXX serviced the car and told me I could finance the tires on a 0 % interest loan for {$50.00} or so eveXXXX XXXX weeks until it was paid off. All I had to do was physically go around the counter and type in my bank info. That should have set off some red flags right there but they seemed trusting. Without giving me anything to read or to sign, they set me up on a payment plan where they took a total of {$320.00} over 4 months. After a while of this, it seemed like it should be close to having the tires paid off. So after contacting my bank, finding out who was charging me, and getting in contact with them, I learned this. 

That XXXX XXXX did not set me up on an interest-free loan but instead, they set up an account in my name with this shady payday-loan-esc like a company called Acima.  And instead of a loan, it was a shady lease to own, with, if you do the math, an ungodly interest rate. The total lease would have totaled {$1400.00} which is more than double the cost of the tires. Even more, the signature at the bottom of the lease agreement they provided me is not even in my handwriting! 

After confronting XXXX XXXX on the matter, around XXXX, the only thing they said they would do is remove the tires if I purchased new ones. They were not willing to refund me or resolve the situation in any way, so I left empty-handed. 

Even after returning the tires to Acima and filing a police report for the fraudulent and misrepresented purchase. Acima still will not refund me, even more socking is they are asking for the taxies for {$1400.00}. So now I am out of the tires, the {$320.00} they took directly out of my account plus they want me to pay an additional {$120.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  credit report shows hard inquiry since XXXX which should be removed from my report by now My XXXX  score is frozen on XXXX score and never grow I need full detailed explanation for why my score is never go up however I use 30 % of my credit limit and always pay on time I need a full explanation as because of that Im not able to get approved for conventional Mortgage and Im stuck with an FHA loan that is refused by all sellers I need To know what is the error and why my score is frozen on XXXX score even my payment history is great.
Product: Credit card

I was visiting a friend in New York. We stopped by a corner store we have both been too before. I purchased XXXX energy drinks. A small child rang me up I believe under the age of XXXX and they accidentally charged me {$6200.00} on XX/XX/23. By the time I realized there was an error I was back home at XXXX. I have had previous incorrect charges before and there were resolved without issue. However, this transaction i've had to submit a dispute for XXXX times now. The credit card company ( Apple Card, Goldman Sachs ) continues to state there is no issue with this transaction even given the evidence of correspondence with the merchant stating they will rectify the charge. I have an agent from XXXX supporting this case and has everything documented and all those documents were provided with the dispute. Each dispute is closed without any notice and they take several months to hear back from. Based on how long the credit card company has taken with each dispute the merchant is unable to provide any additional receipts or camera footage. I am deeply concerned about this dispute. I have never made a transition this large before and there were no security checks for this transaction. I use this credit card every day and pay off my bill every month without issue. It is appearing that the bank is uninterested in supporting this dispute. I am left with no other options besides resubmitting disputes but how long can that continue? My last resort is to sue the small business and the credit card company for financial negligence. I am also afraid the credit card company is attempting to scam me out of the exuberant cost of the incorrect charge.
Product: Bank account or service

I have been trying to close an HSBC for 8 months. 

I had several auto-pay invoices associated with the account. Unfortunately I did not stop the autopay in time, and was charged exorbitant fines and oversraft fees. I paid them. The bank demanded I pay them in cash. In person. 

Now, 8 months later, I received a call saying that those oversraft were never paid. They are demanding over {$2000.00} from me. And want a receipt for the cash payments I made, claiming I never made them. I do not have the receipts. I thought the matter was settled, and have moved on with my life. I tried to pay with my new bank cards at the time, but was denied as HSBC demanded cash. 

I can not get away from this company. Help!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ), I am disputing the following collection account that appears on my credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$180.00} Date of Account : XX/XX/XXXX I do not recognize this account and believe it was placed on my credit report without proper authorization. Therefore, I request an immediate investigation and removal of this account from my credit report as required by law.

Legal Reference : Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and supported by precedents such as XXXX XXXX XXXX XXXX XXXX  ( XXXX ), I request a thorough investigation and removal of the unauthorized collection account from my credit report. This jurisprudence highlights the obligation of creditors to conduct reasonable and accurate investigations when a dispute is raised, and failure to do so can be considered a violation of the FCRA.

Additionally, under Section 623 ( 15 U.S.C. 1681s-2 ) of the FCRA, creditors and collection agencies are obligated to report accurate information. If the disputed account has been reported inaccurately, this must be corrected immediately, and a full investigation should be conducted as required by law.

Furthermore, under Section 807 ( 15 U.S.C. 1692e ) of the FDCPA, debt collectors are prohibited from using any false or misleading representations when attempting to collect a debt. I believe the disputed account has been presented in a misleading or incorrect manner on my credit report.

I would appreciate it if all collection efforts were suspended until proper validation has been provided. This will ensure that any further action complies with the law and is based on accurate and validated information.

I expect to receive the requested information within 30 days of your receipt of this letter in accordance with my rights under the FCRA and FDCPA. Thank you in advance for your cooperation and prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX