23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I returned a call I had missed from Procollect regarding a debt they stated I had. I was informed that a letter was sent to my address, regarding a debt of {$220.00}. I asked what the address was that they sent the letter to, and they provided the wrong address -- an address I have never lived at. They asked me for a mailing address and I provided them with it. They then stated " you actually don't need a physical letter to pay your debt for {$220.00} '' and proceeded to try to get me to give them credit card information. I told them I was not going to pay because I was going to wait for the letter because I was skeptical of the company. I asked for information regarding the apartments they say I owe debt to, and they listen apartments I have never lived at. When I attempted to look up the apartment complex, I could not find the apartments on google. I was denied information when ever I questioned the apartment address and phone number and stated I would be waiting for the letter to investigate further. 

On XX/XX/XXXX I see my credit report dropped for a derogatory mark in regards to this debt that is not mine. I contacted XXXX again and notified them that I have never received a letter from them. I asked for information again regarding the apartments that they say I owe debt to, and they then stated a different apartment complex from the original one they told me. They denied giving me an address and phone number to the apartment complex. They then told me I could dispute this claim, but needed to provide proof from the apartment complex ( that they would not provide me information for ) that I have never lived they and provided me with XXXX email address to send them this proof. 

On XX/XX/XXXX I emailed the only apartment complex with the name they provided asking for proof ( still waiting for a response ) and contacted both XXXX and transunion regarding disputing.
Product: Checking or savings account

I asked to close my account and they said my account had to be at a XXXX balance. They keep charging me overdraft me repeatedly. I don't want to back with them any longer. My account was at XXXX I asked to close my account and stop allowing transactions through that i have already canceled they ignored me and continued to allow transactions through. I explained to them they still won't close the account and charged me {$170.00} overdraft fee. This is ridiculous. I've already transferred my check to a different account and tried to close all accounts linked to this account. I just want to close my account and not deal with them any longer. I am 100 % willing to pay the {$45.00} that is owed my the linked accounts passing through but I don't think it's fair to pay {$200.00} on an account I asked to close! I'm not the only one they're doing this to. I've talked to others.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX.Please block this information from my credit report in four business daysPursuant to section 605c of the Fair Credit Reporting Act. Please send me notifications of the actions taken..I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of XXXX XXXX has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was in CH XXXX bankruptcy for 5 years. My mortgage was not included and I did not miss a payment. Soon as I was discharged they instantly reported that I missed my last 2 payments. I was not notified before this was reported on my credit. I called them and their researched determined this was a result of a payment missed when I filed for bankruptcy 5 years ago. I paid the past due amount within days of being aware of it. The bank will not correct the missed payments month/year on my report which means I cant qualify for refinance with another company until 12 more months, rates low now
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX  approved my forbearance due to COVID-19, and in XX/XX/2021, XXXX XXXX  approved deferment option. At the same time, they reported to credit bureau of been OVER 180 days late. I tried to contact XXXX XXXX  several time and the customer service rep kept lying to me about the situation.I requested to talk to supervisor, but they'll not let me talk to the supervisor. I requested a call back but no one ever called me back.
Product: Credit card or prepaid card

My ex girlfriend stole my debit card and found my pin and made several unauthorized/fraudulent transactions on my account while I was hospitalized with XXXX. I was hospitalized from XX/XX/2021 - XX/XX/2021. The fraudulent transactions were made with my card from XX/XX/2021 - XX/XX/2021 totaling {$3700.00}. I have since faxed documents such as a written statement of what occurred, copy of my ID, a police report, and a hospital discharge form to US Bank Reliacard Cardholder Services. I have been denied and not given a specific reason from any of the several different customer service reps and fraud department reps I have spoken to. I have been given a different story or scenario and time frame several different times during the past 60 days with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite all my efforts to contact the Credit Bureaus to correct my Credit Report, it is clear that the Credit Bureaus have have failed to pay heed to my disputes. I previously sent a letter addressed to the Credit Bureaus dated XX/XX/XXXX with complete attachments of my personal information and have waited for them to respond. I have been waiting for quite a long time now and I came to a conclusion that the Credit Bureaus have ignored my written appeals. It is as bright as daylight that the Credit Bureaus have violated the Fair Credit Reporting Act section 605b which states that the Credit Reporting Agencies are required to remove any account and information that resulted due to Identity Theft. I am disappointed to see that the Credit Bureaus have done nothin to correct my Credit Report and continued reporting false information without proper verification. I previously submitted a complaint about this matter and I am submitting this complaint once again hoping that the Credit Bureaus would finally take action and have the disputed items deleted as soon as possible. I need the following items removed from my Credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX is incorrectly reporting that my account is open. I requested the account to be closed, have received a confirmation by email, and have provided a copy in this complaint submission, that the account would be closed. XXXX XXXX  XXXX XXXX XXXX is continuing to report to the agencies that this account is open. XXXX XXXX  has zero consideration for the small consumer, as this is one of TWO incorrect reporting of information to the Credit Bureaus.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$8000.00}
Product: Debt collection

I found where world finance has put a hard inquiry on my credit report. I didn't give them permission to check my credit. I wasn't applying for them a loan and they had no right to put an unnecessary credit inquiry on my credit report which will cause my credit score to go down.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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: Debt collection

I am writing to formally dispute the accuracy of a CCS collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, CCS would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan.
Product: Debt collection

Good afternoon, upon pulling my credit I notice an account on my credit that I had not seen before and so I contacted the consumer finance and tried to dispute the information listed but was told that this was a legal debt. I then contacted the collection agency and asked what was the debt in regards to? As it turns out the debt was in regards to an insurance claim that was with a rental car that should have been paid by my insurance company. Apparently their was some miscommunications with my car insurance company  XXXX  and the bill was not paid when it should of been paid. I was able to reopen the claim with my car insurance company who then paid the bill on  XXXX   XXXX    XXXX  . I spoke to a  XXXX   XXXX   XXXX  with   XXXX   XXXX   XXXX   who told me that he was only removing the debt from my report because he was doing me a favor, I told him no this debt should of never been on my credit as I never received any notification and that it should of been paid by the insurance company prior to the current date that it was paid.  XXXX   XXXX  then told me that he will jo longer be removing the debt and that he did not have to do anything and proceeded to hang up the phone as I was speaking. I then called back and no one answers the phone, I placed a second call using my  XXXX  number and followed the prompt using the key pad in order to get to the receptionist so I can ask to speak to a  manager or  someone in charge. The person whom answered the phone stated that she was the owener but would n't give me her name after asking her to provide it many times ( recorded ) I proceeded to inform her that she is being recorded and that I will be filing a complaint to the CFPB and she informed me that if I wanted her help that I need to be quiet and that I just do n't know how to shut up. She refused to give me her name and told me that I can look it up. She also stated that when I file my complaint that I will still have to call her back after so I can go ahead and file the complaint. I informed her again that she was being recorded and that I am at work in the   XXXX   with withnesses around me and that I was not being disresptful and that as a debt collector she is suppose to provided her name but she continued to refuse and proceeded to hang up her phone on me. Also I would like to add that  XXXX   XXXX  stated that he does n't have to do anything and that all he has to do is write that the account was satisfied. The account was more than satisfied it was paid in full by the insurance company as soon as they realized that the bill was not paid. I find that this is a very disgusting way to treat a person who did everything necessary to ensure that the right thing was done. If I did n't care about this I would of just left it and not try my hardest to get the matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the begining of XXXX. I reviewed my Experian report and noticed that i had multiple old address attached to my profile. Subsequently i called Experian for them remove my old out dated addresses. As a result of that call they removed all of the addresses associated with the profile including my current address. I then called in to have them reinstate my current address in which they requested i provide an id with said address on it. I uploaded a photo copy of my id to the experian online submission portal on XX/XX/XXXX. After uploading the document i called Experian back the same day to confirmed they recieved the document and the representative stated that the information will be reviewed and processed between XXXX. 

Subsequently i checked my credit profile XXXX later. To my dismay i realized they added my current address but it was not 100 % accurate. An apartment number was added to my current address that was apart of my old address. Simply put my address is a private house and does not have any apartment number attached to it. So i called in to Experian again to have them fix the address. I spoke to the representative and they stated again that it would take XXXX to proccess the request. I waited the alotted time frame and to my disbelief the whole address was deleted again and i have been trying to add my address every since. Every customer service rep i spoke to told me that they would proccess my request XXXX. So waitied XXXX  days at a time inbetween weekend and holidays here i am unable to get my credit report months later because no address is attached to my profile. 

The dates/report numbers of my correspondence are below : XX/XX/XXXX report # XXXX XX/XX/XXXX report # XXXX XX/XX/XXXX report # XXXX XX/XX/XXXX report # XXXX XX/XX/XXXX report # XXXX XX/XX/XXXX report # XXXX XX/XX/XXXX report # XXXX XX/XX/XXXX report # XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Money transfer, virtual currency, or money service

The company randomly stopped me from using my account and I received a negative balance when I contacted them over 10 times they all told me the same thing i experienced such an awful experience and no response or help on this I will be getting my lawyer involved
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( Original Creditor XXXX XXXX  ) XXXX. Please delete these accounts ASAP.
Product: Mortgage

I am working on a short sale through HAFA short sale program. The loan servicer has a very inflated value for the subject home. The buyer paid for a full appraisal to dispute the short sale lenders value. The short sale lender is NOT taking the buyers appraisal into consideration due to the status of the comparable - some comps are bank owned or in some form of financial distress / since the subject is a short sale - I feel that these comparable homes are suitable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 604 A. states I have the right to privacy.

15 U.S.C 1681 section 4 A states 2 : It also state the consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX  XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 604 A. states I have the right to privacy.

15 U.S.C 1681 section 4 A states 2 : It also state the consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX XXXXXXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 604 A. states I have the right to privacy.

15 U.S.C 1681 section 4 A states 2 : It also state the consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 604 A. states I have the right to privacy.

15 U.S.C 1681 section 4 A states 2 : It also state the consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX XXXXXXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 604 A. states I have the right to privacy.

15 U.S.C 1681 section 4 A states 2 : It also state the consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

On XXXX XXXX, 2017, I purchased an Espresso maker - XXXX XXXX MINI ESPRESSO MACHINE - for {$1900.00} plus shipping of {$24.00} for the total of {$2000.00}. The merchant name -- XXXX XXXX XXXX XXXX. The payment was made from my home state online using CAPITAL ONE VISA " QUICK SILVER '' credit card. 

On XXXX XXXX, I received the merchandise however the merchandise received was not the merchandise that I had ordered. Instead of XXXX XXXX Espresso maker, I received XXXX XXXX ESPRESSO maker ( this model is primarily used for pods v. Ground coffee ). VP of XXXX XXXX XXXX apologized ( a written email is on file and is available on request / was mailed to the credit card ) and promised to issue refund as soon as I return back the wrong merchandise. On XXXX XXXX, XXXX XXXX sent a return UPS label XXXX. I returned the wrong merchandise which was received by the merchant. The merchant confirmed several times in writing that he will issue a refund, however on XXXX XXXX, XXXX XXXX stated that, " XXXX XXXX is the XXXX XXXX '' ... And therefore, he will reduce the refund by the re-stocking fees of {$270.00} and {$55.00} of shipment charges. 

There was no prior statements claiming that XXXX XXXX is a substitute for a XXXX XXXX. 

There is a Web site from an independent authorised XXXX dealer that shows a difference between two machine : XXXX   A difference is obvious even for a non-expert. XXXX XXXX weighs 35 lbs while XXXX XXXX weighs 50 Lbs. XXXX XXXX is made for pods unless the machine has been altered. I paid for and purchased XXXX XXXX espresso machine for ground coffee. 

I have a packing slip on file showing that the machine delivered to me was Mini XXXX PODS MACHINE ( a copy of the packing slip was mailed to the credit card company ). 

I made numerous attempts to reconcile the situation with the vendor, asking for a refund or the ordered merchandise. 

I finally filed a dispute with Capital One credit card company. I informed the credit card company that I have all written documentation to substantiate every statement I am making. They did not want any documents. 


Capital One made a determination that the vendor was right despite the fact that the vendor had not provided any documentation ... .just a written statement in size 18 fonts that XXXX XXXX machine is really a XXXX XXXX .... 

The vendor also alleged that I was not in contact with him - which was an openly false allegation. I have multiple emails sent to the vendor demanding a refund or a delivery of the merchandise ordered. The copies of the communications were sent to the credit card company. 

After the " involvement '' of Capital One and the fact that they sided with the merchant, the merchant stopped responding. The credit card accepted a statement from the merchant as the only " proof '' and " verification '' despite the fact that the Credit card is aware of the fact that the merchant has not delivered ANY merchandise and I have been in fact embezzled of {$2000.00}.
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 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inq

uiries 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.