23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was called by ARstrat Collections of Sugar Land Texas in late XXXX, was informed that I owed money for a laboratory test of {$340.00} roundabout. I disputed the claim consistently by saying that I was paying under duress because this laboratory procedure was a simple salt test. I'm very insightful on these procedures because I work for a billing company inside the medical field and have a long medical background. I've been paying on the debt XXXX per month and have kept good records of my payments. In XXXX of this year, I made a payment of with the mailed statement from ARstrat reported my balance was XXXX making the new balance XXXX. I did not receive a statement in XX/XX/XXXX and so to my fault did not make a payment. On XX/XX/XXXX. I made a payment of XXXX that should have brought the balance to XXXX. When I prompted the call center person for the new balance as I always do, I was told the balance was XXXX. I requested insight to why my balance was up nearly XXXX $ and was told by a supervisor I would have an explanation in a week. There was no call. I called back and was told they were resolving the issues and would receive a letter explaining everything including why the price of the lab was 3x the normal hospital charge. Today, XX/XX/XXXX I called to inquire what the current balance was and to see if the issues had been resolved and I was told the balance was XXXX, ( the original balance ). Not only is ARstrat not resolving the increased balance issues with this collection, but the balance also continues to increase with no further changes or contact with the hospital system it originated from. 

With out asking them each time what the current balance is they would most likely continue this fraudulent practice of increasing the amount and collecting. I'm very curious how many people are continuing to pay that have likely met their balance.
Product: Money transfer, virtual currency, or money service

I have received multiple emails from MOVO ( MOVO-Cash ) over the past two weeks that indicate an account was opened in my name, and that there was transaction activity. I notified the company that I did not open any account, and that this was fraudulent. 

Subsequently, I received another email today ( XX/XX/22 ) notifying me that the password on my account had been changed. This again is fraudulent activity. 

When I call the support number for the company it does not appear to be legitimate. Specifically, there is background noise/music that is unusual.
Product: Credit reporting or other personal consumer reports

I have 2 accounts with XXXX XXXX XXXX XXXX, capital one and XXXX XXXX and I spoke with them about payment extensions when I was in the XXXX XXXX XXXX. I was able to get the extensions but they have reported missed payments to the credit reporting bureaus.
Product: Credit card or prepaid card

Capital one - XXXX - is reporting a late payment for XX/XX/2020. I have never been late on this account & I have had it for many years. I made my payment on time on the app and I thought it went through. Then I noticed later that it didn't so I hurry and made it again on the App and I called you guys and advised you that I had made it previously and there was an issue with the online app. They assured me that it was still on time and it was ok and that I wouldn't have a late because they could see I made it on time. 
This was not my error this was your system. Please remove this late as I really did make my payment on time.
Product: Credit card

I tried to pay off my credit card balance that I spend like weeks before the due date and my payments kept being returned to me even thought I know for a fact I had more than enough money in my account. I told capital one this and they had no explanations for why they didnt take my payments. I also remember one of my payments posting yet they still returned it so Im confused and I think the closure of my account was wrong because the problem wasnt my fault. I also called them a few days before they closed my account telling them that my payments have been pending for days even though they claim it only pends for 1 day.
Product: Credit card

XXXX XXXX XXXX Denial On XX/XX/2022 I obtained a personal loan with Marcus. I am able to access my Marcus account online with user name and password. My identity has never been questioned regarding this loan account. 

I have applied for GM Business Mastercard by Marcus on three occasions between XX/XX/XXXX and XX/XX/XXXX and received Pre-approvals $ XXXX {$19000.00} each time. They soft pulled my XXXX Score which is currently XXXX. 

Each time I applied, Marcus accessed and pre-filled my application with my existing customer information via my username ( email ) I provided on the application or by me logging in. 

However, I have been denied each time due to 'Unable To Verify Identity ' although I provided requested Driver 's ID and Certificate of Good Standing. 

Furthermore, I am already a Marcus customer and have been verified when I opened my loan account.

Here are GM Business Credit Card applications : APPLICATION XX/XX/XXXX Applied Preapproved {$18000.00} XX/XX/XXXX Marcus requested additional documentation : -Driver 's license or state-issued ID -Certificate of Good Standing XX/XX/XXXX Provided requested documents XX/XX/XXXX Application Denied. 'Unable to verify identification information ' APPLICATON XX/XX/XXXX Applied Preapproved {$19000.00} XX/XX/XXXX Marcus requested additional documentation : -Driver 's license or state-issued ID -Certificate of Good Standing XX/XX/XXXX Provided requested documents XX/XX/XXXX Application Denied : 'Unable to verify identification information ' XX/XX/XXXX Called customer service and could not provide any additional information APPLICATON XX/XX/XXXX Applied Preapproved {$19000.00} XX/XX/XXXX Requested additional documentation : XXXXDriver 's license or state-issued ID -Certificate of Good Standing XX/XX/XXXX Provided requested documents XX/XX/XXXX Application Denied : 'Unable to verify identification information ' XX/XX/XXXX Called customer service and spoke with XXXX, but could not provide any additional information APPLICATION XX/XX/XXXX Applied Preapproved {$19000.00} XX/XX/XXXX Requested additional documentation : -Driver 's license or state-issued ID -Certificate of Good Standing XX/XX/XXXX Have not provided requested documentation due to uncertainty of why they are 'Unable to verify identification information ' Though I am proud to be a Marcus customer and would like to obtain the GM Business Mastercard it is frustrating being told they are 'Unable To Verify My Identity ' though I've provided a clear legible Driver 's License that matches my existing Marcus records and a Certificate of Good Standing for my business. 

Instead of telling me exactly why they can not verify my identity or if a 3rd Party is providing verification they tell me all I can do is reapply which is not very helpful. 

I found on multiple forums such as XXXX, XXXX and XXXX that Marcus applicants are facing similar issues and not given any answer on why this is happening to existing customers. 

My application has never been escalated to manager nor my has my application been given a manual review. I would my application to undergo manual review and escalated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit report 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 -ACCT # XXXX ; Acct name : Dept of Education/XXXX Acct # XXXX ; Acct name XXXX XXXX XXXX ACCT # XXXX ; Acct name XXXX XXXX XXXX ; Acct name XXXX XXXX XXXX ; Acct name XXXX XXXX XXXX XXXX Acct name XXXX XXXX XXXX : XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Ref # XXXX ; XXXX XXXX XXXX, XXXX XXXX  ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX 15USC 1681 section 602 A. states I have the right to privacy.

15USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 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 7 years, 15 USC 1681a-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: Credit card

I closed Ultamate Rewards Credit Card on XX/XX/year>. I made the complete payment that they told me it was my debt. I asked if it was all canceled, and they said yes. Today, XX/XX/XXXX, I received a call from the company explaining that I have a debt of US {$84.00} dollars. They explained me that it was an interest of XXXX dollars remained from XXXX and it has increased because I didn't cancel on time. I never received any email o physical email explaining me about a debt with the company. They said they called me but I didn't receive any call. A debt of XXXX dollars now is US {$84.00}!!!.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX FOR XXXX AND XXXX. THEY BOTH DO A BACKGROUND CHECK YEARLY. I HAVE BEEN UNABLE TO XXXX AND EARN A LIVING BECAUSE THE 3RD PARTY BACKGROUND CHECK COMPANY CALLED XXXX HAS NOT RETURNED MY BACKGROUND CHECK. I HAVE MANY ATTEMPTS TO CONTACT XXXX, XXXX, EMAIL, WEBSITE. ALL THE RESULTS SAY THE REPORT IS PENDING. I CALL XXXX SUPPORT 4-6 TIMES AND THEY SAY THEY CAN NOT DO ANYTHING TO HELP ME AS THIS IS A 3RD PARTY COMPANY. I HAVE OFFERED TO PAY FOR AND OBTAIN MY OWN CHECK THROUGH A 3RD PARTY TO RESOLVE THIS ISSUE AND THEY WILL NOT ACCEPT THIS. XXXX STARTED MY BACKGROUND CHECK IN XX/XX/2023 AND IT IS STILL PENDING, MAKING ME UNABLE XXXX XXXX. NOW XXXX US USING THE SAME COMPANY AND I HAVE BEEN UNABLE XXXX XXXX WITH THEM FOR 6 WEEKS DUE TO THIS COMPANY. I HAVE AN EXCELLENT CREDIT SCORE AND HAVE NO FELONIES. I ASKED REPEATEDLY WHAT IS THE ISSUE AND CAN I SUPPLY SOME MISSING PIECES OF INFORMATION. BOTH COMPANIES HAVE STATED THERE ARE MANY OTHER DRIVERS WITH THE SAME ISSUE. SO ITIS TIME FOR ME TO MAKE THIS REQUEST TO TRY AND GET XXXX TO CONTACT ME AND TELL ME WHY MY REPORT WITH XXXX IS STILL PENDING SINCE XXXX. THANK YOU, XXXX XXXX
Product: Credit card or prepaid card

I recently discovered that I was potentially eligible for protections under the Servicemembers ' Civil Relief Act ( SCRA ) and attempted to submit documentation to that effect to the Chase. I submitted the documentation necessary ( my Status Report pursuant to Servicemembers Civil Relief Act ), but was told that my account did not qualify even though I started XXXX XXXX in XX/XX/XXXX and opened my card in XX/XX/XXXX. They stated that I was on XXXX XXXX before which the government does not show ( or renumerate me for ). I submitted the requested status to two other banks, XXXX and XXXX both of which identified I qualified for the SCRA protections. This is the third time I am doing this and I feel this is becoming onerous as I have tried to do this process before with similar results where the process just drags on even though it is required by law. I spoke with XXXX and they stated that I show as XXXX XXXX starting in XX/XX/XXXX. The documentation, which is provided and signed, by the Department of Defense - Manpower Data Center is a government document created and accessed through : XXXX XXXX XXXX. It is the most current database of DoD personnel and is used throughout the industry. I feel that as Chase states that they are military friendly and then do actions like this with numerous DoD personnel as members understands this process and it just attempting to make it more onerous for members to receive the benefits to which they are due. I appreciate any assistance with this matter. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 The credit reporting agencies were given 30 days to produce all verifiable documents of this account on XX/XX/2021 in accordance with the statue 609 FCRA. That was 107 days ago.

And now they are wanting another 60 days??

I believe my rights are being violated in accordance to the 611 and 623 FCRA.

At this point, without verifiable evidence, the am ex account must be removed from my report immediately! It is affecting my ability to get a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Flagship Credit shows my car in bankruptcy status. I never went through with the bankruptcy. The car was also in an accident and the gap coverage paid it off. It should show as a non-collection account paid in full.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX  Balance : {$490.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}
Product: Debt collection

On XX/XX/21 at XXXX am XXXX XXXX of XXXX XXXX contacted regarding a collection account. I advised Mr. XXXX since this is his first time contacting me that I was uncomfortable verifying my information. First, he only mentioned the name of the company but asked for me to verify last 4 of ssn, address, and date of birth. Stating to him that I needed to know who he was with and the matter he became aggressive with his tone and stated he already told me XXXX XXXX. Upon him giving the type of account I asked that he provide me via mail a verification of debt. In an aggressive tone he stated I had already gotten this information and he would send via email. I advised no email to send to and he cut me off mid sentence. Stated that this is not the first time I have been contacted regarding this account and he would tell the lender that I am uncooperative and threatened next course of action. I advised Mr. XXXX that I am at work and can not talk at the moment. He became irrate and said since this matter isn't important to me he would proceed with the next actions. Throughout the conversation I asked why was he continuing to cut me off mid sentence and threatening next action when this is his first time contacting me. After being overtalked for so long I asked for a supervisor. I advised him that I was at work and provided an alternate phone number. This company representatives continued to talk when I clearly stated I could not talk. Very aggressive and threatens next action when you ask for their credentials and verification of a debt prior to paying. This is my right as a consumer and in todays society it would be foolish to provide any personal information to complete strangers.
Product: Debt collection

i had made an agreement to purchase two XXXX XXXX 's from XXXX. I was going to find a buyer for the second phone. XXXX would not sell just one phone at the time. I purchased two phones and listed the Second phone on XXXX. I had two buyers that bought the phones. The first buyer was out of the country when I selected the auction to be a US ONLY auction. This resulted in loss of sale. I listed the phone again and sold the phone to a second buyer and again the buyer was an out of country buyer. This again resulted in loss of sale. I finally went to XXXX/XXXX  to list the phone. The phone did sell for about {$500.00} dollars less than the first listing and I never received the proceeds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment on this XXXX  XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was  received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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, credit repair services, or other personal consumer reports

My problem and only problem right now is with the credit reporting agencies XXXX and Transunion. Inwhom I will be filing suit against for many reasons. They constantly reporting accounts inwhom which they have not received physical certified documentation from. They only going off of electronic Verification inwhich is not official. I'm demanding a detailed Method of Verification used in this investigation. I have repeatedly requested this but never recieved anything. XXXX and Transunion, I need to know what was the name and title of your employee inwhom conducted the investigation. Whom did they speak with, and what form of communication used in this investigation, was it phone, fax, text, letter, etc. What was the title of the person spoken too. What certified documentation did they provide with my signature on it. And what physical method of documentation did you provide the consumer. All this is my natural and legal rights as a consumer. I'm demanding that these unauthorized accounts be blocked from my credit data and files immediately and permanently if your companies can not produced the Method of Verification used, as well as physical certified documentation to support your reporting. If not then it is your legal duty to block these accounts as following, [ # 1 ] XXXX {$920.00} [ # 2 ] XXXX XXXX XXXX {$1000.00} [ # 3 ] XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not give anyone working for these businesses permission to access my credit record or conduct any credit checks. 


XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX. XXXX Date of Inquiry : XX/XX/2023 XXXX. XXXX XXXX  Date of Inquiry : XX/XX/2023 XXXXXXXX XXXX Date of Inquiry : XX/XX/2023 This is a grave infringement of my privacy rights and a violation of Sectio

n 1681b ( c ) of the Fair Credit Reporting Act. Please confirm this information with these companies, and provide me copies of any paperwork related to these accounts with my signed authorization for an inquiry. I formally request that you remove these bogus inquiries from the credit file you keep for my Social Security number right away in the absence of any such paperwork with my signature on it. As per Section 611 of the Fair Credit Reporting Act, you have 30 days to finish this investigation.
Product: Credit reporting

I went online to get XXXX reports. I got XXXX. Then tried to get the other XXXX. Equifax asked security questions and none applied to me. I have been sick a few years but I know they did not apply. XXXX asked questions and the said I could not be verified. I knew one question was wrong. My complaint is that they want a copy of my driver 's license and a utility bill. I live partially with my daughter. I can not provide that. Is this a way to discriminate against older people with health problems? Just going to the post office for this is a chore. My delinquent debts are from a time in the past few years where it was either eat or pay a bill. I would like to get this straight but ca n't. I also think you should be better monitoring how these XXXX can contribute to ruined lives with impunity.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I purchased a ride on XXXX This company claims to provide customers with long-distance rides. I bought a ride from XXXX, Maryland to XXXX, North Carolina on XX/XX/year> for {$920.00}. Later that day, the driver contacted me and said that he was no longer picking me up due to his own personal issues. I understood his case but asked him if I would get a new driver or a refund. He said that I should get a new driver soon, which was false. I tried to contact the company about this issue but got no response. Now I am here a month later, continuing to fight against my case. The company has yet to respond after a month, and Cash app continues denying my dispute because " the transaction was authorized. '' I've been trying to tell Cash App that I know this transaction was authorized, but I did not receive the ride that I paid for, nor did I get a refund. As I continue to reach out to Gettranser.com, I still have yet to get a response. All I wish is for my refund. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to access my 3 bureaus and they will not show me my report. They mask it all and just want to sell you garbage. Such fraud, my gosh why is this allowed? I just want my reports and dispute the wrong stuff. I don't have the time or patience to make a career out of getting this done!!!!!! Such fraud and illegal activity ... ..and illegal reporting as always and refusing to delete the wrong stuff. What else is new?

No phone but they think they can require one to get my report ... .my gosh ... .. they will not give a report unless I give them a bunch of personal info. that's none of their business!!!! ... ..and I don't have it ... .good grief, why does it take this extent for this? Such fraud ... .and it's MY information they never even got my permission to gather and disseminate ... .and it's wrong info. to boot ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX ACCESS XXXX {$85.00}
Product: Credit card or prepaid card

I have noticed that I have been charged late fees even though I make my credit card payments on the same day it's due and before it's midnight in my region ( Mountain Time ) It seems that the bank has taken advantage of me and charged late fees to the tune of {$170.00} for this year alone. 

Only one of these fees was reversed recently and not the rest