23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My credit report had a collection placed on it from XXXX XXXX a couple of months ago. When this happened I immediately called them. This debt wasn't mine to begin with. I never owed XXXX money because I cancelled my phone and paid the early termination fees. But, they never cancelled my phone and it kept accruing a balance until I received a bill a few months later. I called XXXX to resolve at that time and they said it was fixed. So now, convergent places this on my credit and it's causing me all sorts of problems. So, I just settle the debt in order to avoid issues and pay them. They're supposed to delete the account but now it's still on my credit report. What a shame I paid a debt I didn't owe and it still sits on my credit report. They've sent me a letter stating that this debt is valid. See attached
Product: Money transfer, virtual currency, or money service

I did a XXXX transaction back on XX/XX/2024. It was my mistake. I did send it to the wrong recipient, but I contacted that person and they contacted the bank to refund the money and I have proof from the other parties bank that theyve already taken the money out of his account and sent it back to mine on XX/XX/XXXX, his bank retrieve those funds back and sent it back to mine and I have Chase and theyre telling me that they have no money coming in. They keep giving me the runaround. They supposedly contact they said that has that money stuck in limbo Ive tried contacting them in regards of this and they tell me they can not help me since I did the XXXX transaction through my Chase app and its third-party app and I just keep getting the runaround from my bank and XXXX and I need to see where this money is at it is an amount of {$3500.00}. my bank does not seem to be really helping me. Theyve told me to contact the recipients bank again and Ive been on a three-way call with him and his bank and also Ive walked into the XXXX XXXX branch with him and they keep telling me the same thing that the money has been taking out of his account and its been sent back. Ive already sent proof of the reference number for the refund and also Ive showed physical copies of the gentleman bake statement showing that the money was already sent back
Product: Debt or credit management

XXXX This person keeps calling me claiming that I owe someone money and that he is going to put me in jail. 
He keeps calling me every single day and I got voice messages and keeps demanding money. I asked who so I owe the money to and he wont give me information and keeps saying its a small amount and to just pay it. He also got a lawyer XXXX to send me documents and I keep informing him that I got a credit company working on my case and for him to stop bothering me.
Product: Debt collection

These accounts are not mines. I have contacted these companies but they have not valid any information. My information was exposed in the data breach. 

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

I have sent investigation and dispute letters on the following dates : XXXX XXXX XXXX XXXX Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late payment : XXXX XXXX XXXX XXXX XXXX inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX Former : XXXX XXXX XXXX Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX
Product: Bank account or service

Last XXXX, Paypal placed a limitation on my account and blocked me from access for my balance. I was told that Paypal may hold my balance for up to 180 days. 180 days have come and passed, Paypal still blocked my access to my balance.
Product: Credit card or prepaid card

I own a small XXXX XXXX XXXX that uses this company called XXXX XXXX XXXX XXXX as my credit card processing company. I found out last month that since my account was created back in XX/XX/2014, every single XXXX XXXX charge that I ran never made it to my bank account. The funds remained in a holding account of this company. Now that they have owned to there mistake, they need to pay up. However the company is now telling me that out of the agreed {$53000.00} amount that we both found to be owed, they will only pay half of it because there policy is only to go back 3 months. This is illegal for them to keep those funds. On top of it all, I paid taxes on that income that I never received because I file taxes based off of my management system. My system showed the income however in reality I never received the funds. Please help me this is a monster company to be doing this to a one man shop. They should have insurance in place for these errors. Which I have asked for a copy of the policy and they do not give it to me. Please help me get my money back, this is hard worked for money by myself. Company name is XXXX XXXX XXXX, DBA XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening, I have been having an issue with the 3 credit bureaus reporting fraudulent information on my credit profile regarding XXXX XXXX XXXX I have called and sent in several letters with no resolution. I have asked several times for proof of the account listed on my profile. I have needed specified information and these companies are not able to provide. They only respond with letters stating the account is verified. 

I have asked for supporting documents and also how was the method of verification completed. Seeked out signatures, payment history, billing statements, etc. 

I have called on XX/XX/XXXX to XXXX and XXXX. 
XX/XX/XXXX Experian. XX/XX/XXXX to all three bureaus XX/XX/XXXX and XXXX to Experian. 

Certified letters has been sent to each bureaus as well XX/XX/XXXX, XX/XX/XXXX, and latest letter XX/XX/XXXX. 

I have received written response form XXXX and XXXX. The letters in response just states the accounts have been verified but no evidence of that. Experian has no sent any responding letters. Only updated info online stating accounts accurate. 

I will attach screenshots of the account being listed showing inconsistent reporting and date opened date. Also different account numbers. Please reach out of any other is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with XXXX XXXX, I sent the payoff check # XXXX CHK # XXXX in the amount of {$17000.00} in XXXX. The payment was received by XXXX XXXX who is a XXXX XXXX employee on XX/XX/XXXX. The company misplaced the check and placed a 30-day late payment on my credit report. I sent a letter asking them to update the late payment and they closed the account with a 30-day late payment. I have the emails and transaction numbers with proof of the mishandling of the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

CITI BANK IS ILLEGALLY RE AGING THE ACCOUNT THAT WAS OPENED IN XX/XX/XXXX AND FIRST DELINQUENCY WAS IN XXXX NOT XXXX AS REPORTED TO STAY LONGER ON MY CREDIT REPORT. 
I HAVE CONTACTED THEM AND THERE IS NO RESPONSE.
Product: Mortgage

B of A refuses to correctly report my loan as paid in full and closed. The loan was paid in escrow on XXXX XXXX, 2015. I have requested several times through variouschannels yet as of today they still report the account as open with a balance.
Product: Credit card

Kohl 's tried to charge me a late fee for non-payment on my monthly statement that was due XX/XX/XXXX. However, I've been enrolled in auto payment for a long time. I caught this on my statement and called them, they removed the late fee today XX/XX/XXXX. I allowed them to process payment from my checking account over the phone. I explained I had been enrolled in auto pay and that somehow, for the second time in the last four years, I was automatically unenrolled. Customer service told me they had not reported my account delinquent to the credit bureaus as it had been less than 40 days late, I hope this is true. 

Customer service rep XXXX checked for me and confirmed my previous purchase made on XX/XX/XXXX was paid with auto pay in XX/XX/XXXX. They also confirmed I did not unenroll auto pay which made my XX/XX/XXXX payment late and unprocessed. Customer service could not tell me why auto pay miraculously was removed from my account. A very similar incident originally occurred during the pandemic either in XXXX or XXXX, and I was reported to the credit bureaus, which hurt my credit score and is on my credit report as 2 late payments. Unenrolling customers ' auto pay seems to be a tactic Kohls uses to charge late fees. Also, Kohl 's only allows customers to re-enroll in auto pay 24-48 hours after the late payment is made. My guess is most people forget to re-enroll and thus continue to get charged for non-payment.
Product: Credit reporting or other personal consumer reports

My credit has been frozen for around XXXX years with all XXXX  bureaus. On XX/XX/year> I was notified that a student loan had been opened utilizing my information. This loan was not for me. They had not done an inquiry on my credit. I disputed the loan with the school that opened it ( XXXX XXXX  ) and XXXX XXXX XXXX ( XXXX ). I filed a police report. I filed with the IRS and SSA, I placed a security fraud notification on my frozen credit files. In early XX/XX/year> I received a notification from XXXX that I had been included in a breach that matched the timeframe that this identity theft activity had begun. That same day, the XXXX loan posted to my credit report. I disputed it with Experian and followed up with XXXX, who asserted that they had closed the loan, there was a XXXX balance due, and that it would drop off my report. Then I received a letter from them stating that it would remain on my credit report as part of an FCRA decision, and Experian closed the dispute based on the FCRA decision, leaving it on my report. I have re-disputed, but the decision to leave it was based on " demographic match ''. Of course it matched. It was identity theft. They used MY identity to open it, so it really should match, right? I'm trying to recover from this as well as other recent credit card transactions that aren't mine, etc., and I would really like this to be removed from my credit report, as the parties involved have all agreed it was identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : EQUIFAX : XXXX The heck is going on. Ive contacted you guys time and time again since XX/XX/2017. Youve removed the fraudulent accounts but I dont know why these accounts remain on my credit report. You have done so much damage to my credit report with the remain accounts that are fraudulent and this has better be the last time that these fraudulent accounts show on my credit file and Im only allowing 24 hours for the accounts listed to be removed permanently. I am unaware of the accounts that you are listing on my credit file. I have asked for verification for the original contract and for the debt or account listed as an error several times only to be ignored. Look this is becoming a major problem and I have filed a lawsuit this time because you are taking me for a joke and you are causing damage to my life and causing stress. I have contacted the attorneys general office in XXXX County along with the FTC to get this matter resolve immediately and permanently. I will make sure that this incident sees a judge in a civil courtroom. 1. XXXX XXXX XXXX. REMOVE THE LISTED FRAUDULENT ACCOUNT WITHIN 24 HOURS IMMEDIATELY AND PERMANENTLY. REMOVE REMOVE REMOVE. I am unaware of what this is and Ive mentioned that within the past few months. The inquiries that are unrecognizable and that Im unaware of are in the attachment area. I did not give anyone my consent to open any new credit. Your company is at fault and I demand that you remove the bogus accounts and inquiries today or else. REMOVE ERRORED ACCOUNT LISTED AND INQUIRIES LISTED AS WELL. I dont want to see another error listed on my account and please send me a copy of a credit report revised with the mistakes removed. My credit is showing me that these accounts are still listed on my credit and Ive asked you to remove them permanently. You have no verifiable evidence with no original contract with my signature so by law you must removed them immediately and permanently. I have filed a lawsuit on the following credit bureau agencies for using my consent without my knowledge and for breaking the laws within the FCRA. I have placed several sections that you have violated. You have violated my rights in many ways and I look to take this to civil court. I demand that my credit report is cleared of the accounts listed and remove the errors your company placed on my credit file.
Product: Credit reporting or other personal consumer reports

I submitted a dispute due to ongoing identity theft and Trans Union refuse to provide me proof of this debt, I asked for the original signature of this contract, they sent me a computer generated message saying veried as accurate, without any documentation supporting this. I dont believe they even conducted a investigation. 
I don't recall having a contractual relationship XXXX XXXX XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit card

I received a credit card in XXXX it went to collections. In XXXX XXXX filed a small claims for XXXX but i never received notification to go to court. In XXXX they filed a nonwithholding wage deduction my employer. My employer sent it back and said i dont make enough to garnish. Now in XXXX they are sending garnishments to my work. No phone calls at home or letters just wage garnishments to my job. I called to settle for half but they will not budge on the amount and i need to pay XXXX. They are stating interest grows on this every month per the state of illinois. Is there a statue of limitation of this old debt. They told me to borrow money to pay off my debt.. ( I heard if you start paying on old bills that it will reopen and they can open case up and collect money. ) If i go into payment plan they want all my personnel information. How do i Know this is a legit company trying to collect debt after 15 years.
Product: Credit card or prepaid card

My spouse tried to use the refer a friend link I shared with her to open a new account. Upon opening of this account, I was promised 7,500 Delta SkyMiles. The link was not working properly. We contacted the bank and were told to " delete our cookies and refresh the webpage and reapply ''. We follow these instruction, however the Skymiles were never awarded as promised. I have reached out to the card company many times, however, they are unwilling to resolve this problem and deny any errors on their end. At the end of the day, you have a customer who opened a new credit card, and then several weeks later, his spouse opened a new credit card and these folks refuse to add about {$75.00} worth of airmiles to my account. This company is worth billions and they can't resolve this simple dispute and take no ownership. We did what we were told to do. We deleted the cookies and refreshed the webpage and reapplied for a line of credit and these points should have posted to my account as promised. They got what they wanted - a new customer ... But I didn't get what they promised - 7,500 Delta SkyMiles.
Product: Credit card or prepaid card

Barclays credit card cashed my certified check of {$5400.00}, but did not credit my account. The company told me they have no record. I have a copy of the cashed Certified check that was cashed by Barclays on XX/XX/12. They refuse to credit my account!
Product: Payday loan, title loan, or personal loan

I was contacted by the lender and told i was eligible for a {$3000.00} increase. She asked me if i rent and what my monthly rent was. I advised her i had just refinanced the loan. She stated I was eligible for an increase and asked if I wanted the full {$3000.00}. I advised her that I did not want my payment to go over $ 300 monthly. She stated she would call me back after she processed the paperwork. She never obtained my permission to pull my credit. The next morning she advised me the company declined to extend the credit. I advised her I had discussed the fact that I had just refinanced prior to her offering an additional loan. She advised me I was eligible for the loan but the company declined. I have received a copy of my consumer report with a hard pull from the lender. I have contacted the office to report this.
Product: Debt collection

LVNV Funding, LLC/XXXX XXXX reported to all three credit bureaus that {$1200.00} is owed. I am not aware of such debt being owed. The creditor failed to contact me prior to reporting such derogatory information to all three credit bureaus. As such, it failed to follow the guidelines of Fair Credit Reporting Act. Please delete the item from all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccuracies related to the account listed below : Account Name : XXXX XXXX Account Number : XXXX This account is inaccurately listed as a charge-off with several late payments, including 30, 60, 90, and 120-day delinquencies. I strongly believe this information is incorrect and unfairly impacting my credit score. 

I respectfully request that this account be reinvestigated for accuracy. The inconsistencies are affecting my financial opportunities and costing me thousands of dollars in interest. Additionally, not all credit bureaus are reporting the same status for this account, which further indicates potential inaccuracies. 

As a fair resolution, I request that this account be corrected to accurately reflect my payment history. If the account can not be verified within the required timeline under the Fair Credit Reporting Act ( FCRA ), I request that it be removed from my credit report.

I am attaching supporting documentation for your review, including the credit report entry and other relevant evidence. Please investigate this matter thoroughly to ensure compliance with 15 U.S. Code 1681i and 15 U.S. Code 1681e ( b ).

Thank you for your attention to this matter.
Product: Checking or savings account

XX/XX/year> looked at my check account and noticed XXXX transactions I did not authorize. Made through PayPal. XXXX don't have or use PayPal. Called Paypal. Direct to purchase gift card equals {$300.00} at XXXX. PayPal stayed on phone while I purchased gift cards. Payed with my debit card. Looked at bank account and was wiped out of {$300.00}.
Product: Debt collection

XXXX XXXX is trying to sue me and garnish my wages for debt that was created well over 3 years ago. In Mississippi, the statue of limitations state that after 3 years, they legally can not do that. They turned my sent over to a collection company called Sanford and Adams in XXXX Mississippi. They canning keep violating my rights and trying to take my hard earned wages. Something needs to be done. XXXX currently has a lawsuit against them relates to outrageous overdraft fees!
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 rights to privacy, confidentiality, and my rights of being a victim of identity theft under 15 USC 1681. 

Account : XXXX XXXX # XXXX, Account : credence resource mana # XXXX, Account 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 

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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section 2 : 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. 1681 Section 623 ( a ) ( 6 ) If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information, 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. 

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

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts Listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts.