23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Wayfair credit card and Citibank is still using the fact that I owe them money which I purposely paid {$50.00} over my usual monthly payment so I can pay them out. What they did they still send me a bill for {$29.00}. The month is almost out now I sent the payment at the end of XXXX just so I could get the payment under {$300.00}. They never posted the payment never gave me confirmation of receiving the payment although I know they did because I certified mail both payments to the address that is on the mailing confirmation for XXXX, Pennsylvania. Now my payments {$340.00} and some change which is incorrect but youre my last hope they took the late fees in the interest charges off just to start charging me more after this die down and Im not dealing with it anymore. Willing to speak to the press to bring this to the Supreme Court even the president if I have to, Im sick and tired of trying to pay my debt and instead of taking the money to pay my debt they hold the money orders that are sent, and they dont process them until the next month so they can show that I still owe them money Im tired of it and I need to know where my money is and if theyre not gon na use my {$50.00} please refund it to me. wayfair makes it hard for you to communicate with them. They expect you to message through a chat box and whenever you call its always an automated system face people that you know youre screwing over because I am sick and tired of Wayfair and their selfish tactics.
Product: Credit reporting or other personal consumer reports

I have received a hard inquiry thats damaging my credit ALLY FINANCIAL Auto Financing department On XX/XX/2024 2024
Product: Mortgage

Have made several attempts to contact Mr. Cooper, regarding the steps taking to modify the loan, Paperwork were incorrect and were addressed to the wrong party and several attempts to contact someone from their modification department have been unsuccessful. I have unfortunately had no success to get this issue rectified. the representative that was assigned to me has yet to contact me back after several messages were left. On two occasions they sent they even sent me the final modifications documents with the wrong name attached. if you could please assist me with getting this issue rectified, I would greatly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$2500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2015 ; If XXXX XXXX credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number XXXX XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX  XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XXXX credit card account balance off on XX/XX/2022 Before it was transferred over to the new credit card company XXXX XXXX XXXX. There was a XXXX balance. I have contacted XXXX more than 5 times by phone. They keep telling me they no longer will service the transferred account. They keep referring me to XXXXXXXX XXXX XXXX the new company. When I contacted the new company about this they said I had no owed balance on my account at all. They confirmed that there was no balance. I filed more than 3 disputes with Experian. Each time they decided the balance would remain because XXXX said the balance it accurate. But I have a Bank statement from XXXX XXXX XXXXXXXX that clearly says and confirms what I am saying. I just file another dispute with Experian about the same issue, reporting fair information to my credit report. This is stopping me from conducting my business. The amount {$3800.00} paid by me
Product: Debt collection

In XXXX I spoke with a representative from XXXX University about possibly attending college again. I was just released from prison after 14 years and he told me he needed my credit card #. My final decision was to not attend college due to the fact that I was trying to get on my feet and couldn't afford it. The representative said he understood and would contact me at a later date to see if anything had changed. After several months I started receiving statements telling me that I owed the university {$2400.00}. I responded to several phone calls telling the university that I never attended, but kept receiving the statements. In XXXX I started getting statements from Asset Recovery Solutions. LLC stating that XXXX University wanted to work out a deal and would accept 70 % of what they had been trying to scam me out of in the first place. In XX/XX/XXXX I spoke to a man from Asset Recovery Solutions telling him I never attended XXXX and he told me to start filing all the information necessary to prover identity theft even if it was possibly the representative that had spoken to me in XXXX. I am starting to do that now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I have been victimized by identity thieves and they have stolen my whole identity. I don't check or use my credit often but my son checked it for me and saw it was completely destroyed. When he showed me all the accounts that were reporting as belonging to me I nearly croaked. Please help me get to the bottom off this and rectify this more than serious matter. These are hard time and I could use the help with my credit to buy groceries and basic necessities now that we are no longer working. Please help us. Thank you.
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. 

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX 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 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

This was not sent in error XXXX XXXX XXXX consumer by law at XXXX XXXX XXXX XXXX XXXX  misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Product: Debt collection

In XX/XX/XXXX, I checked my credit score and it was significantly lower than the prior month. I panicked and checked my report with the three credit bureaus. I found out then that I was in collection for a medical bill of which I had no knowledge, and I am not legally liable for because I was not XXXX at the time of the debt or at the time the debt went into collection. 

The only information I had at this point ( XX/XX/XXXX ) was that it was with Paramount Debt Collection based in Texas and the debt was for {$670.00}. I emailed the company, requesting information and formally disputing the debt. After 4 days, I had not received a response from the company. 

On XX/XX/XXXX, I called the company to follow-up on this email. During this phone call, the company inappropriately revealed personal information ( note : I have a recording of this call, and all the calls I have had with Paramount ). The company had multiple debts under the same name as mine, and then began listing off birthdates, which made me very uncomfortable and it a clear unethical practice, until they came across my birth date. During this call, I asked for an itemized receipt, information about who the doctor was, when the visit was, and primarily proof that I had agreed to incur the debt, as I knew such a document did not exist, because I was not XXXX years of age. I requested that an investigation be opened because it was not my debt and requested other information. The woman from Paramount only provided the amount and said she would send me a letter with more information. The woman said that she would also request that documents including an itemized receipt and proof that I agreed to incur the debt would be requested from a third-party and could take up to thirty days. 

On XX/XX/XXXX, I received the formal debt collection letter including information about the charges. It states very clearly on the receipt that there are two parties : the patient ( me ), and the responsible party ( different party ), so very clearly spells out that I am not the responsible party. That letter, however, had no other information about what the charges are for or who the responsible party is. 

On XX/XX/XXXX, I called Paramount again, inquired about the investigation they had opened and inquired when the other documents would arrive from the third-party. The employee ( a different woman with Paramount ), said that it takes up to thirty days for the documents, and said I had to wait. 

Nearly six weeks after the first call, on XX/XX/XXXX, I called to inquire again about the documents, and the company said that they were still waiting on the third-party and could provide me no other information. 

The major problem for me is that those documents were imperative for disputes I opened with the three credit agencies, disputes for which the window for investigation had closed, leaving me with little recourse to get the false information removed from my credit. 

This debt is not mine. I do not know what the debt is for, and the Paramount Recovery Services has been repeatedly unable to provide that information.
Product: Checking or savings account

Chime banking institution allowed a transition to charge to my account bringing it into the negative status ; the particular company had attempted to charge my account on XXXX, XXXX, XXXX, XXXX, XXXX. They were declined on the respective attempts and then Chime allowed the unauthorized transition to go through the without overdraft protection and without my permission. Frankly, the transition was not authorized and should not have been charged to my account. 

I have contacted Chime and they have refused to resolve the issue and instructed me to contact the merchant. This is completely unacceptable as I did not authorize the transition on either side of this. The Chime representative stated that he was unsure why the transition went through as I do not have overdraft turn " on '' so it should not have went through. 

I am requesting my account to be credited the {$29.00} in which it was overdrafted.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last year or so I have been having issues with Experian and the information they have on me. I have asked many times for them to fix this matter and have been more than patient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of id thief due to a recent data breach, I see accounts appearing on my credit report that I did not open
Product: Credit reporting or other personal consumer reports

I have disputed this account on multiple occasions yet the information remains unchanged and it's clearly reported inaccurately because the Date Opened does not match across the three Bureaus, the Closed Date doesn't not match across the three bureaus, the last payment date does not match across the 3 bureaus. According to the FRCA It's important to have an accurate and fair reporting to avoid injury. Right now I might miss a job opportunity because of this inaccurate reporting on my credit. Please investigate and remove NOW. I have attached my credit reports to show the inaccuracies month to month.
Product: Credit card or prepaid card

I been trying to get in touch with the way to go company to get a new card to receive my child support. Two weeks later Im still not able to get in touch I held the phone for 8 hours
Product: Credit reporting or other personal consumer reports

I request that the XXXX XXXX XXXXXXXX credit card account be deleted, due to the rights I have as a consumer, since this account is affecting my personal credit.
Product: Debt collection

Hi. My XXXX doctor sent a XXXX XXXX  to XXXX XXXX XXXX XXXX, NY for testing. At time of consultation with XXXX doctor I clearly mentioned that send XXXX XXXX XXXX  to only that XXXX  which is in network of my health insurance because insurance doesnt allow out of network providers to be used. Besides this alert doctor decided to use out of network provider. When XXXX XXXX XXXX billed to my healthcare insurance for those tests they denied the payment for services. XXXX XXXX XXXX sent the invoice of {$580.00} to debt collection agency to go behind me for collection. I spoke to my health care insurance and was advised since provider is out of network its not my responsibility to pay those charges. 
This is an harassment from the provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im confused on how CFPB is supposed to ensure that the consumers rights are protected through a system keeping the credit bureaus under compliance regarding credit reporting. I have disputed a few matters. All of which have never even been investigated into. Ive sent US Codes along with the description of the matter at hand that Im dealing with. This is prohibiting me from completing financial, family and business goals. I need a proper reinvestigation along with a letter of deletion of every hard inquiry on my consumer report. I thought it was supposed to take 15 days. This has taken well over 60 days just to get empty envelopes back with my credit report on it.
Product: Checking or savings account

I deposited a check on XX/XX/XXXX was told that I would have my funds by XXXX XXXX on XX/XX/XXXX was told by multiple bankers that I could talk to a supervisor and get my funds released and was told that there's nothing they can do to help me it is a payroll check and I know those are not supposed to be held
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
EXPERIAN : XXXX XXXX CT XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

Enhanced recovery corporation has been trying to collect a debt on behalf of XXXX. The issue is this debt is well over 7 years old and several times throughout the past few years enhanced recovery renews it and restarts the clock. I have had 0 communication with the company during this time and need these removed permanently from my report. I have disputed them in the past and has them removed only to have them come back with a new open date.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I XXXX XXXX submitted a certified dispute to XXXX XXXX EXPERIAN Clarifying Im a victim of identity theft I have also provided proof according to section 605b of the fair credit report act those accounts should be removed from my personal credit report within 4 buisness days in which these three companies failed to do I submitted everything to each company Which follows : Police report Ftc repost Theft affidavit Proof of address ( lease agreement ) I have also filed a civil legal suit as of XX/XX/year> for failing to protect my consumer rights and removing fraudulent accounts As follow XXXX is reporting XXXX XXXX XXXX {$36000.00} XXXX XXXX  {$1900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$520.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$360.00} XXXX XXXX {$5900.00} EXPERIAN IS REPORTING ( fraudulent account and address XXXX XXXX XXXX XXXX XXXX XXXX {$5900.00} XXXX IS REPORTING XXXX fraudulent accounts XXXXXXXX XXXX {$360.00} XXXX XXXX {$5900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023, XXXX XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX Balance : {$600.00}, XXXX XXXX XXXX XX/XX/2023, XXXX XX/XX/2023 XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Seedfi- They are reporting the account late and it not over 30 days affecting my credit score. 

Also- XXXX XXXX is showing ion XXXX a collection and I paid it in full XXXX of XXXX
Product: Debt collection

In the fall of XXXX I opened an account with XXXX XXXX XXXX. I used XXXX and paid my monthly fees until XXXX of XXXX when I faced an extreme family tragedy. During this tragedy I was out of state for multiple weeks and did not receive any letters or notification from XXXX that my account was closed and sent to collections.
Product: Credit card

My dog was seen at this XXXX XXXX  on XX/XX/year>. Upon here being examined by the docter she was admitted there for a 24 hr stay. As you see I've attached a copy of my dogs kennel sheet, which would show what her diagnosis was and the medications she would have recieved if she hadn't died within the first 10 hours of her stay. As you can see on her kennel sheet she only recieved 6 medications of the 14 she should have recieved if she hadn't of passed, but they billed us for the full 24 hours. We did not recieve the other 8 medications nor the emergency care for the full 24 hour stay they initially billed us for, so we are requesting a refund of {$560.00}. We have tried to settle this with Care Credit but they have not been of no help. Please help us resolve this because we did not recieve the services they billed us for. Thanks
Product: Debt collection

Received a fraudulent collection notice in the amount of {$180.00} from TRANSWORLD SYSTEMS INC.  on behalf of XXXX XXXX XXXX XXXX. Received on XXXX XX/XX/XXXX, dated XXXX XX/XX/XXXX. This is not a debt I personally incurred and I have no record ( s ) of transactions with any XXXX entity or its possible subsidiaries totaling this or any amount. 

The report will also be accompanied by the filing of a police report in local jurisdiction.
Product: Debt collection

XXXX XXXX XXXX is reporting a fraudulent account to the XXXX credit bureaus causing harm to my credit files. I did not open the account they are reporting and collecting on. Acct # XXXX is not my account.