23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023 about XXXX XXXX  my employer stated that he received papers at my workplace.The papers stated earning with holding order ( wage garnishing ) Im currently enrolled in debt negotiation services ( XXXX ) to pay off this debt which the creditors are aware of so there should be no concerns for them to contact me in anyway especially at my work place.The creditors are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mandarica Law Group, LLP XXXX XXXX XXXX XXXX, XXXX telephone number XXXX /fax number XXXX email address- XXXX.Thank you
Product: Student loan

XX/XX/year> I received an email from my school stating that I was over my XXXX Subsidized XXXX loans by {$1.00} and that I needed to reaffirm with my servicer to be eligible for financial aid. On XX/XX/year> I paid {$10.00} and was told the letter would be send to my email within XXXX hours. It was not, when I contacted their chat I was told I needed to fill a form out that on their website it states that I do not need if I pay in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

TO REMOVE IMPROPER AND INCORRECT COLLECTION ON MY CREDIT REPORT FROM XXXX XXXX XXXX. REMOVE IT. IT'S FALSE AND NOT TRUE!! SEE SUPPORT DOCUMENTS. SEE ATTACHED.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax have illegally obtain my credit report. I have checked the records and found that XXXX, XXXX, and Equifax are only licensed to do business in Maryland. This means they can only report consumer reports for residents in Maryland. I am a resident of XXXX XXXX XXXX Ohio and have been for 33 years. Please remove all the credit information from the credit report or every account should be reported as paid as agreed and appear with NO late payments. In addition, 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This further shows that any late reporting CAN NOT be on my credit report. I have attempted to resolve this issue with all of the credit reporting agencies. XXXX blatantly told me on a recorded call that XXXX is not required to conduct and investigative consumer report. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Information on my credit report has been directly obtained from a creditor. I have already submitted an invoice for this violation in which XXXX has vehemently opted to ignore and purport that they are away of my concerns. I have been attempting to resolve these issues since last year. 

As a result, I will be submitting a Form XXXX XXXX and a Form XXXX as all XXXX credit bureaus are committing securities fraud and at this point are committing an organized crime. I also will be requesting that the SEC consider a XXXX charge filling as you have all colluded to defraud myself and my rights.
Product: Credit card or prepaid card

On XX/XX/XXXX, I placed an order on XXXX. On Sunday, XX/XX/XXXX, I returned my order amounting to {$540.00} in-store. I have proof of this and am able to reference the date that I went to the store because I have an online receipt sent immediately after using the in-store returns portal. 

After a month had passed and I did not see my refund post, I called the merchant, XXXX, inquiring about my return. The agent on the phone processed the return for me and confirmed that a refund would be posted shortly. On XX/XX/XXXX, I received a {$26.00} refund, which I deduced was the refund for only XXXX of the items ; the rest of the order was not refunded. 

When I contacted XXXX again, customer service said that they do not know what happened to my return, even though the agent I spoke to previously confirmed that he had pulled up my return and processed a refund. They kept redirecting my call and when I left messages at the numbers they provided me, no one returned my calls. 

I then decided to dispute this with my credit card since the merchant was being uncooperative. I opened an online/phone investigation with Chase in XX/XX/XXXX. A few weeks later, I received notice that the dispute had been resolved and that my claim was denied. The only explanation they provided was that they concluded the charge was valid as a result of their explanation. However, they did not contact me at all for any proof or documentation. I contacted Chase again and they advised me to reopen the dispute by writing a letter to their headquarters. I reopened the dispute again, this time attaching documentation of my return receipt. A few days ago, my dispute was denied, again. Chase has not made an effort to properly investigate this. It is unacceptable for the consumer to have to pay a ridiculous charge because a return was lost on the part of the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15. U. S. C 1681. 
Accounts # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Has violated my rights. 

15 U. S. C. 1681 section 602 A. States I have the right to privacy.

15 U. S. C. 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

15. U. S. C. 1681 c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following 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 should not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card

I applied to a Hilton Honors Amex card on XX/XX/2023 and have a card opening offer of XXXX hilton points + XXXX free night. See a screenshot of the offer attached. However, I only received XXXX hilton points + XXXX free night upon completion of my opening bonus requirements. I contacted both Hilton and American Express since XX/XX/2023 and can share all the case numbers and history. Hilton also helped me contact American Express multiple times. American Express continued to refuse to acknowledge that my offer was XXXX and my cases were rejected. Other Amex customers said this has happened to them as well so this does not appear to be a one-off incident. Note that my bonus offer was not a special/referral offer only available to myself but was a promotional period offer Amex provides to most eligible applicants during that time frame. Therefore, this should be easy to verify if Amex is willing to look into their opening bonus offer history.
Product: Money transfer, virtual currency, or money service

I had met a woman online, we started chatting and we built what I considered to be an honest connection. After a while I had sent her some money, after I did she cut all ties with me and stopped all forms of communication. 
I had made a few transactions through my XXXX XXXX XXXX XXXX  account ( wire transfer ) and after that she had cut all ties and stopped answering my emails.
Product: Debt collection

hi, I was out of work when i got sick in 2017 and treated by XXXX XXXX XXXX XXXX, in XXXX XXXX XXXX, Utah. I could not pay the full amount and attempted to set up a monthly installment payment but they transferred the account to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX who then sold the account to Gurstel Law Firm , P.C . 

the original amount was about {$3200.00}. Now I am told {$6300.00} in total. 

I attempted to ask the question why the amount is almost double and was told they could not give me the information. 

My file with Gurstel Law Firm is XXXX Gurstel Law Firm contact is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with XXXX XXXX XXXX XXXX. I do n't have an account with XXXX XXXX XXXX my credit score was above XXXX and today it shows below XXXX. They said I had a account with them so I paid it off years ago and closed it. Then they reported a mulitple deliquent activities and lowered my score after I closed it. I have never had an account with them. Why now would they report delinquent activity after it has been closed. I was in escrow so I had to do something about it. It was never my account. I reported it through them and have not seen any results. Now Im being punished for someone else. Once the account was closed they reported it as being delinquent muliple times and hurt my score. I have always been in good standing with all my credit!!! PLEASE HELP ME GET MY CREDIT BACK!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$440.00}
Product: Credit reporting

All XXXX accounts should have XXXX balance. Please update ASAP! 

1. XXXX XXXX XXXX, XXXX Balance {$45000.00} Reported XX/XX/2017 2. XXXX Balance {$140.00} Reported XX/XX/2017 3. XXXX Balance {$110.00} Reported XX/XX/2017
Product: Credit card or prepaid card

Macys credit card sent me a letter to pay I did them they wrote me two emails stating I have a credit card balance refund and that they processed it on XXXX XXXX and on XXXX XXXX and they still have not mailed it I know by law they have to mail me my money in the mail within 7 days of making my request
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed inaccurate information being reported on my credit please investigate this account XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX a dept validation was sent out to Portfolio recovery. On XX/XX/XXXX I received mail from them explaining that they had validated my account and enclosed documents. The documents they enclosed did not validate the account. My signature was on no such document, I do not have a signed contract with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Card Account ( Schools First Credit Union ) was sent to the credit bureaus as a 30-day late in XX/XX/2022 which took my score down XXXX points with XXXX. 
I was issued two cards one with a $ XXXX limit and the other $ XXXX limit. One of the cards was compromised and a new one needed to be issued. After receiving the new card, it was not automatically set up on auto payment as the one it was replacing. Unbeknown to me their new website would not roll over the same auto payment information from the previous card or let a member set up auto payment anymore. Therefore, I called to get it all straighten out. I spoke to a person that told me the best thing to do was to combine the two cards that way it would only be one card. So of course, I agreed, then come to find out they kept the card that had previously been reported 30 days late. For some reason they are the only ones that can process automatic payments on their side. I disagree to have a 30-day late reported on my credit reports, due to it was not my fault they upgraded their system and without my knowledge my cards were no longer on auto pay.
Product: Credit reporting or other personal consumer reports

I am reaching out to Equifax to initiate an investigation into identity theft. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I request a comprehensive validation of the disputed accounts following the prescribed procedures. This specific section governs credit reporting agencies ' obligations during inquiries concerning contested data.

Furthermore, I want to emphasize that the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) places a responsibility on data furnishers to furnish accurate and complete information. Due to the evident inconsistencies in my credit report, I demand prompt corrective measures as stipulated by this provision.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : 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 States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

This is a rental property that is frequently late on payments. Because of this I keep one months reserves with the lender in case of a late payment by my renter. XXXX XXXX took that one month reserves that I had already spoken with them about and instructed to keep in reserve and applied it as a principle reduction payment for the amount of {$3900.00} on XX/XX/year>. Because my renter has been on time up until recently this hasn't been an issue. However last month my renter was late again and I got assessed a late charge of {$170.00} I've since called XXXX  and my new servicer roundpoint a couple of times. XXXX is saying roundpoint needs to reverse that principle reduction payment and roundpoint is saying they can not since they started servicing the loan in XXXX. now I'm just getting the runaround by both companies.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX 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 and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Being a victim of identity theft has been such a traumatic me feeling experience that left me feeling XXXX  and vulnerable. I have suffered greatly. I found out that somebody used my personal information and used it to open credit cards take out loans, and make fraudulent purchases, leaving me with significant amount of debt that Id didnt incur. Its frustrating and overwhelming to deal with the aftermath. I look forward to resolving the issue with the help of the FTC. This account for the result of a person or company using my personal information without my consent to obtain goods and services fraudulently and I have not benefited from any of it. I demand this account be removed from my credit report
Product: Vehicle loan or lease

Subject : Complaint Regarding Improper Repossession and Lack of Notice by Wells Fargo To all those concerned, I am writing to bring to your attention a matter of great concern regarding the repossession of my vehicle by Wells Fargo. I believe that Wells Fargo has failed to adhere to the consumer protection laws outlined in Florida Statutes, Section 537.012. 

Lack of Notice Before Repossession : In XX/XX/, my vehicle was repossessed by Wells Fargo without any prior notice. According to Florida Statutes, Section 537.012, I should have been provided with an opportunity to voluntarily surrender the vehicle before repossession. However, this did not occur, and I was not given the chance to cure the default or redeem the vehicle. 

Failure to Provide Notice of Intent to Sell : I have not received any notice from Wells Fargo regarding the intent to sell the repossessed vehicle, including the date and location of the auction sale. This lack of communication has left me uninformed about the process and my rights as a borrower. 

Violation of Right to Cure the Default and Redeem the Vehicle : Wells Fargo has not provided me with the necessary information regarding my right to cure the default or redeem the vehicle, as stipulated by Florida law. This omission further compounds the issues surrounding this repossession.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I went to the New Jersey Special Civil Court ( XXXX XXXX ) on XX/XX/2023 to represent myself against a lawsuit brought against me by Capital One for a credit card bill. The judge mentioned that the creditors have the right to issue warrants for consumers and have them arrested and forced to pay the amounts that the creditors want. During my court date, the judge excused me because he stated that there was a Motion To Dismiss for this case/lawsuit. Still, Capital One is reporting negative information to the credit bureaus for this account. More disturbing is the fact that I believe they were overcharging me by not applying the proper amounts to the principal on my credit card, and charging bogus fees. These deliberate miscalculations occurred throughout the duration of this account 's history with them.
Product: Credit reporting

Case Number # XXXX XXXX. Well back on XX/XX/XXXX I sent a letter to the Bankruptcy Courts telling them I recently disputed information that was on my credit report that is not reporting accurately. They stated that they have verified the information, and have informed me i need to contact the Furnisher of the information. So I requested that they send me their procedure for verifying information with the credit bureaus. Per the FCRA623 ( a ) ( 5 ) : '' If the Credit Bureau can not Validate the information with the Original Creditor, they must remove said information from the consumer credit file ''. On XX/XX/XXXX the Courts mailed me a letter which emphatically stated that they do Not provide any information to credit reporting agencies, nor do they validate and/or confirm public records. It is the Credit reporting agencies, and/or third party providers who collect information regarding public cases from public records. Public records information is Never validated by the Recorder of Deeds nor the U.S. Courts system due to the Fair Credit Reporting Act do to PRIVACY LAW. My inquiry to the U.S. Bankruptcy Courts confirmed the Equifax Credit Bureau has Never validated or verified these public records entries on my credit report, neither will they ever be by them. On XX/XX/XXXX I wrote a letter to XXXX with the same information from the courts. On XX/XX/XXXX XXXX wrote back that they deleted from my file case # XXXX, so I wrote Equifax, XXXX and XXXX that XXXX XXXX had deleted all and everything with the Bankruptcy on their file. So I disputed it with all XXXX Credit Bureau and they all come by saiding they verified that account with XXXX XXXX. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1. Defamation, 2. Negligent Enhancement of Identity frauds 3. Violation of the Fair Credit Reporting Act.
Product: Debt collection

Originally filed a complaint ( XXXX ) against Collection Bureau of America regarding this account not being mine and that they need to cease reporting to my credit. I have filed a credit dispute indirectly through the XXXX  and also directly via email. Collection Bureau of America responded to the original complaint advising this is not my account and they were going to delete the trade line. This has not happened and they are still reporting to my credit. They are impacting my credit score and are causing me issues well trying to refinance stuff for lower payments and APRs. This is disappointing that this company has been notified multiple times through multiple different channels that this not my account and yet they have failed to delete this my credit which is a violation of the law. Also they have admitted this is not my account and yet they continue to report. My name is not XXXX XXXX and I don't live at XXXX XXXX XXXX in XXXX.
Product: Credit reporting or other personal consumer reports

I told them information is incorrect and fraudulent. So Im asking them to remove it from account and all the incorrect information associated with it. So remove this negative information off my credit report.