23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was extremely ill during the months of XXXX through XXXX, back and forth to various doctors for multiple XXXX XXXX, XXXX, XXXX XXXX  and XXXX. At the same time I was paying all my bills on time and also at the same time we were in the midst of a pandemic, making things extremely difficult if not impossible to maneuver. I received a negative mark on my credit report in XXXX for missing a payment of {$25.00}. In the meantime I had applied for and was qualified for a mortgage. I had no late payments ever and did not know that there was an issue with this particular credit card. I was not notified by mail, email or phone call from them that there may be and ultimately was an issue. According to the company they called me multiple times and left messages. I assured them that this was not true and I added that if there was a call to me and it came in as a Potential Spam or unavailable then I would not answer. I explained that if their call fell under either category then they never left a message and that since they claim that they record all conversations then there should be a record of any message that was left on my phone number. They did not answer to my speculation and claim. They claimed that they emailed me but when I asked them to confirm my email they had the wrong email for me then they stated that regardless it is my responsibility to make sure the bill is paid on time. In the meantime my mortgage company has since pulled me from the program I was in for the mortgage because the credit reporting agencies have lowered my score substantially between 50 and 100 points and I now do not qualify for the mortgage. Had I known that there was a payment missing or late prior to them reporting me as late I would have paid that payment immediately. I pleaded with them to reconsider and to give me any instruction that could reverse the negative and they told me they would not help me at all. The company should be more sensitive during this time of the pandemic in which I lost about 15  friends and family to the XXXX. and the XXXX  from all that is going on is enormous, then this company decides to allow my credit to be destroyed and I am not even saying I could not pay that bill but only that I did not know it was late if I missed it. I paid it within 2 minutes of learning it was late. I even offered to pay the account to $ XXXX but they were not open to anything. All my bill monthly are about {$3500.00} and without hesitation they are all paid every month. This bill is only {$25.00} and it is costing me the $ thousands of dollars I put down on the house because I signed a contract that I would forfeit my deposit if I did not close when it was time to do so. The company is not concerned that there are extenuating circumstances that many people are experiencing, they are cold. In addition I am researching my various bank accounts to see if payment was made prior to the issue, in the meantime I made the payment they claimed I missed.
Product: Debt collection

Company RECEIVABLE MGMT GROUP is reporting a debt that is not verifiable and I am not responsible for. Must be addressed immediately as it is hurting my financial goals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all invalid data on my credit report with experian.
Product: Debt collection

My husband once owned a small business in the 1980 's that went under. He paid all debts and was able to avoid bankruptcy. His credit is now XXXX and mine always has been. Every once in a while, debt collectors latch onto some old, and long since paid, bill and threaten us, knowing that providing proof is difficult after all these years, long past XXXX. ( 30 years ago! ) A new group has begun to harass us on a daily basis. " Diversified Adjustment Service '' calls every morning and leaves a voice message with their title, their contact phone XXXX, and the reference # XXXX for when we return the call. This has been going on DAILY for the last XXXX three months. They never miss a day. I thought the calls would subside once they realized we were not going to get sucked into this scam. Luckily yesterday I found this Consumer Financial Protection Bureau in our XXXX Newsletter. I hope you will get to the bottom of this. Many thanks.
Product: Payday loan, title loan, or personal loan

I have currently been on hold for 1.5 hours trying to pay my bill. I spent the first hour on hold then when someone did answer they said they could not help me but harassed me about contact information for my account which has a Do Not Contact on it which the company continues to violate with mail and emails. I spoke with a supervisor who only just transferred me to another department. Still on hold as I write this. A more convenient way to pay my bill is all I am asking. The customer service reps are rude and the hold times are long.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is reporting non verified information and has failed to send documentation as previously requested to show this account belongs to me and I owe Portfolio the original debt. The debtor is XXXX XXXX XXXX in the amount of {$310.00}.
Product: Debt collection

Again this Real Time Resolution has sent nothing other than a generic letter. They responded to your company saying it will be removed soon but nothing explaining when and this is past the statue of limitation. They are giving me the runaround. This is complete XXXX
Product: Debt collection

I SENT A NOTICE AND DEMAND TO VALIDATE DEBT CLAIM TO MERCEDES BENZ FINANCIAL SERVICES ON XX/XX/2024 BY CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX XXXX WHICH WAS RECEIVED ON XX/XX/2024 BY MERCEDES BENZ FINANCIAL SERVICES FRONT DESK/RECEPTION/MAIL ROOM. FOR HERE ON OUT I WILL REFER TO MERCEDES BENZ FINANCIAL SERVICES AS MBFS. I EXPLICITLY GAVE NOTICE NOT TO RESPOND UNLESS MBFS CAN VALIDATE THE DEBT CLAIM WHICH THEY IGNORED. I RECEIVED A LETTER BACK FROM MBFS ( WHICH IS EXHIBIT # 2 ) IN THE DOCUMENTS I WILL BE DOWNLOADING. I RESPONDED BACK CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX ON XX/XX/2024 ( WHICH IS EXHIBIT # 3 ) WHICH I ALSO GOT NOTARIZED. MBFS SAID MBFS WEREN'T DEBT COLLECTORS AND I DISAGREED WITH PROOF SENDING THEM THE LETTER THEY SENT ME ( EXHIBIT # XXXX ) WHCIH WAS TITLED " NOTICE OF DEFAULT AND RIGHT TO CURE & INTENTION TO REPOSSESS '', UNLESS I GAVE MBFS {$8300.00}. NOW IF THAT IS NOT CONSIDERED DEBT COLLECTING THEN WHAT IS IT CONSIDERED AS? FURTHER MORE I RECEIVED A LETTER FROM XXXX XXXX who is the Head Of Customer Relations for MBFS DATED XX/XX/2024 STATING VERBATIM ( EXHIBIT # 4 ) FORTH paragraph. 
" Regarding your claim of exercising your right to rescind, please refer to the section of your contract titled " How This Contract Can Be Changed. '' MBFS ' position remains the same, declines your requests listed in the correspondence mentioned above. your correspondence does not cancel or satisfy any of the balance owed or any contractual obligation. your contract remains in full force and effect. '' I read what XXXX XXXX XXXX recommended that I read, which I did and that section stated that any change in the contract must be in writing which I did with proof. I also have a right to rescind which was ignored and disregarded. ALSO I WILL ENCLOSE THE CONTRACT AS WELL WITH THE CHANGES I INFORM MBFS OF IN WRITING ( EXHIBIT # 5 ) KEEP IN MIND ANY EXHIBITS THAT I SENT TO MBFS THAT ARE NOT FURNISHED WILL CONSTITUTE DISHONOR AND CAN DISRUPT THE FAIRNESS AND INTEGRITY OF THE ADMINISTRATIVE AND JUDICIAL PROCESS. ALSO ENCLOSED IS MY 1099A AND 1099C PROVING THAT THE DEBT WAS DISCHARGED. COMPLAINT
Product: Credit reporting or other personal consumer reports

There are several unauthorized hard inquiries on my credit report.
Product: Debt collection

Me and My spouse got XXXX we were both hospitalized my spouse for a longer time than me he was the head of the house hold he lost his job he was hospitalized for XXXX  months I had no job I was XXXX once he got out of the hospital i was already living at my parents house they were not giving me any more extensions at the apartment complex i could not afford to pay rent due to XXXX and XXXX XXXX XXXX and my spouse being hospitalized due to XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This complaint is an ongoing issue with " XXXX XXXX XXXX, XXXX ''. This company is continuing to report a debt that I did not create, to all three credit bureaus. A fraud report was sent to the FTC regarding this account as well. 

A " Capital One account, account # XXXX '' In addition, They are reporting and attempting to collect on another fraudulent debt regarding my deceased mother. My mother became deceased on XX/XX/2019 ( see exhibit 3 ). Exhibits 4a thru 4f shows the many letters that I and my family have continued to receive from this company, which is being addressed to my mother. 

A " Capital One account also, account # XXXX '' My mother never opened any credit card accounts since the mid XXXX 's and that account was an XXXX XXXX XXXX card. First and foremost my mother has never used a computer in her life ( which was the only way this account could have been established, there are no Capital One physical offices in our area ) and was in her late XXXX 's when she passed away. 

XXXX XXXX XXXX, XXXX do not have any ideal of the validity of the accounts they buy in bulk. This company 's business model is completely broken, most importantly, they're continuing to violate my rights under the Fair Debt Collection Practices Act and now they are violating my families rights and the legacy of my deceased mother. There's absolutely no legitimate information that could possibly connect my mother to opening any credit card accounts after the mid XXXX 's.
Product: Checking or savings account

I sent XXXX $ to XXXX XXXX for a secured credit card on XXXX from my Chime account and the XXXX $ was debited that day for the XXXX $ but then when I didnt receive the card from XXXX XXXX  and couldnt get any information from them about it I initiated a dispute through Chimes support portal in the App but the very day I insisted the dispute my card came in the mail from XXXX XXXX so I tried to cancel the dispute process which Chime informed me was not possible to do at that time because the funds were already reversed from XXXX XXXX and that I would have to wait 90 days for the investigation to be done before I could even get a response about it so I asked if I could cancel the dispute in which they told me that they are sending the funds back to the merchant then so now I cant get my money back This all doesnt seem very legal or professional even and for sure cant be proper protocol for Bank procedures I simply want my XXXX $ back its my money and Chime Bank is refusing to give it back to me I have spent hours and hours on the phone with XXXX XXXX who assures me that my money was reversed from Chime Bank and hours on the phone with Chime Bank that says that XXXX XXXX has the funds now and both banks deny having my funds Chime bank refuses to even speak with me about it anymore because they say its not in their hands anymore but it is very much in their hands because its in their investigations teams hands but refuse to talk to me about it because I cancelled the dispute I cancelled the dispute because I got my card from XXXX XXXX and it was fine but Chime went ahead and reversed the charges anyway to make things more difficult for me because I wanted to know where my money was at I am upset very much upset because I just want my money back it is my right and its my money and XXXX $ is a lot of money to me right now I am trying to build some good credit is why I got the secured card in the first place but now Chime wants to give me a hard time because I want to know where my money is and tries to deny having it and tries to deny that they reversed it from XXXX XXXX when they in fact did reverse it and dont want to give it back to me because I am upset about it I have every right to be upset and I have every right to know where my money is at and when I will get it back and they cant even tell me that because they dont know where its at or what happened to it they wont even discuss it with me because they dont know who to transfer me to about it they said they cant help me because they dont know what happen to it and there is no way to track it because I cancelled the dispute this cant be right I want my XXXX $ back its my money and I want it back
Product: Student loan

I have requested that my PSLF Certification documents be counted and my PSLF count be updated. They told me in XXXX that it was a duplicate. It was not. I refiled it in early XXXX. Nothing has happened. So I then requested a reconsideration through the XXXX XXXX website. They said I don't have any qualifying loans for XXXX, which is not true. My count is already up to XXXX qualifying payments. Now they want me to begin paying {$850.00} a month and I would really like to see where I am in my count. I am at the required XXXX payments, or very close. I cant not afford to pay {$850.00} a month. Why should I pay that if my payment count is already at the required XXXX? 

Any help is appreciated. 

Thank you.
Product: Checking or savings account

On XXXX, I discovered ten fraudulent charges that had posted to my checking account. I called the phone number listed in the transaction ( XXXX ) the representative stated that these were international charges for the purchase of online gaming. There were nine charges of {$82.00} and one charge of {$66.00} for a total of {$810.00}. I informed the XXXX rep that I did not make these purchases and that they were fraudulent. Through my credit card number, she was able to discover that someone had created a bogus account using my credit card. The card was blocked and she advised me to contact my bank ASAP to shut down the card and advise them of the fraudulent charges. I called 5/3 Bank Dispute Department and spoke to XXXX. I told her that these charges were fraudulent and that I need to dispute them. She stated that she could not start a dispute until all the charges posted to my account. This would not only put me in a serious overdraft situation, but I would also incur hundreds of dollars in overdraft fees. She stated that it would take at least 8 days to resolve this dispute. I told her it does not make sense for XXXX to let fraudulent charges post to a customer 's account and cause the customer to be out that amount of money PLUS overdraft fees just because some criminal stole my money! In the past when I have filed a dispute for fraudulent charges, XXXX would immediately credit the amount back into my account, THEN start an investigation into the charges. They would send a letter to me stating that they are investigating the disputed amount but that if it is found that the charges were not fraudulent, 5/3 would take the money back that they had previously credited to me. I don't know when or why they changed this policy. I have bills to pay NOW and 5/3 is holding my money hostage and is not giving me a choice but to be at their mercy They are not protecting me as a customer or my money. $ XXXX may not be a lot of money to some, but it is MY money that I worked hard for and I need it to pay bills. I am a XXXX XXXX but I am off work due to Covid so I am already struggling financially. If I don't pay my bills, I will have late fees on top of everything else. If I DO pay my bills, my checking account will overdraft and I will get charged fees. 5/3 has put me in a lose-lose situation and is essentially saying " too bad-you have to play by OUR rules ''. I even spoke to a supervisor named XXXX who told me the same thing that XXXX did. She said I could file a complaint but it would not change their way of doing things. Regarding any overdraft fees, she said I would just have to call 5/3 AFTER the dispute is resolved and have those reversed.

What??? I should not even be put in a position to overdraft and wouldn't be if someone hadn't stolen my money and if 5/3 would not let the fraudulent charges post to my account!! I am being penalized for someone stealing my money. This way of business is unacceptable. I know if they are doing this to me, they are doing to a million other people too. Someone needs to put a stop to this.
Product: Debt collection

Since XX/XX/2021, Portfolio Recovery has been calling me nearly every day from a different phone number every time. ( The number provided was the most recent used number as of this report. ) Most times I decline the call and block the number, but the two times I did answer it to ask them to stop calling, the other end was dead silent. Occasionally their numbers leave a short voicemail on my phone -- less than 10 seconds on average -- with a partial XXXX or American automated voice recording. 

I've looked up this company and it seems they're a legitimate debt collector ( XXXX-accredited ). I don't have any past due debts, so I'm not sure why they're calling or whether they have the wrong person or what. 

I did receive several calls and undetailed voicemails from a XXXX XXXX ( an unfamiliar company I have no debts or business with ) about a month before the Portfolio Recovery calls started ; so I wonder if these companies are connected ; whether the former is, again, pursuing the wrong person ; or whether these companies have anything to do with each other. I'll point out that neither company has mailed or emailed me about any outstanding debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted to Trans Union information showing that I have been an identity theft victim, pursuant to Section 605 ( B ) of the Fair Credit Reporting Act. According to that Section, Trans Union is required to block the incorrect information within four ( 4 ) days of receiving my dispute, unless Tran Union provides me with specificity from the Section a legal reason why the information is not blocked within the allotted time. Instead of following the law, Trans Union deliberately chose not to block the information and allows it to continue to be viewed by potential creditors who have requested my credit file. The information, including fake names, fraudulent accounts, wrong addresses, unauthorized inquiries requested to be blocked under the Section are  attached hereto. Specifically, I requested that Trans Union use my correct, legal, and only name XXXX XXXX ; my address as XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, Florida XXXX ; my former Address XXXX XXXX XXXX XXXX, XXXX, Florida XXXX ; my current employer XXXX XXXX, and NO former employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both USAA and the 3 credit bureaus about the incorrect status of my account and either party has yet to update and correct the information. I was told by USAA that the information would be corrected with the 3 credit bureaus no later than XX/XX/20. Today is XX/XX/20 and the account status is still showing as as charged off which is incorrect as the account was paid in full. I have submitted payment receipt to the bureaus but have yet to see the account updated.
Product: Checking or savings account

Citibank closed my account on XX/XX/XXXX and sent me the remaining funds in the mail in the amount of {$4900.00} and told me I needed to contact the state of Colorado to reissue tax refund checks, as they did not process these checks. These checks were apparently the reason my account was marked as fraud and closed. However, the state of Colorado contacted me via mail and told me Citibank DID in fact cash my checks. I was able to obtain a bank statement ( which I have requested in the past ) from Citibank, which confirmed they did cash my check, and shows my closing account balance as {$5700.00}. I am missing {$710.00} which Citibank has not refunded me and has kept in their possession since XXXX.
Product: Debt collection

I just need to have this removed Please To whom it may concern ; Portfolio Recovery has not been able by the legal standard of the FCRA provide me with the required documentation. Please be advised this a violation of FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to Ive asked Portfolio Recovery to please stop supplying unverifable info to my credit report ans to promptly have deleted all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you  fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the removal immediately. Thank you for your prompt assistance in this matter. 
Portfolio Recovery Acct XXXX The collection agency has supplied me with some documents that have been enclosed in this letter. If I am correct and I know I am this does not meet the legal requirements as per the FCRA. I have also filed a complaint with FCRB, FTC and the better business bureau regarding this matter. Regarding Portfolio Recovery and XXXX. I am a single mother of XXXX trying to get this rectified. 

Sincerely