23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got a call from someone who identified themselves a from " Healthcare collections. '' They asked for personal information that I refused to give. When I asked for more information, they hung up on me. I checked their phone number ( XXXX ) with the Better Business Bureau and XXXX and nothing came up. I do n't believe that I have any outstanding medical debts, but if I do, I want to pay them. This, however, sounds shady and I wonder if it 's a scam. If it is a scam, someone else may fall prey to them. 

Thanks
Product: Credit card

Comenity BankXXXX XXXX said my {$44.00} bill due XX/XX/XXXX was received late. I was then sent a bill for {$30.00} late fee. I sent a {$30.00} check via Certified Mail on XX/XX/XXXX, it was received at Comenity 's premises on XX/XX/XXXX and was not due until XX/XX/XXXX. 
Despite that, my XXXX statement came stating that my {$30.00} late fee had not arrived in time and I was being charged a second late fee. I sent a letter and proof of the certified mail that it had been received at their premises on XX/XX/XXXX and was not due until XX/XX/XXXX. I also made a call and explained the situation. 
All charges were reversed except XXXX XXXX  with a warning that I could be charged {$41.00} in late fees if this payment is not received by XX/XX/XXXX. 
Is this charge just hanging around to perpetuate the late fee cycle? This practice is not acceptable!
Product: Credit reporting or other personal consumer reports

I have been trying to resolve this issue with the loan servicer for quite sometime. They have changed names so much it's hard to keep up with them. XXXX XXXX were the loan servicers for these loans and i have asked them to show me a wet signature showing that I requested these loans and received them. There has been no compliance with validating the debt and it has been ruining my credit for over 10 years. I would like them to remove this from my credit report due to the fact that, there is nothing validating the debt, I have tried to contact them to resolve the problem but the credit bureaus continues to say that the debt belongs to me. I am ready to take this to court if necessary because the response from the loan servicer has always been validating the debt without showing proof. It has affected my life mentally and physically. XXXX and suffering is just the tip of the ice burg with what its done to my life. If they do not get this off of my credit report, that is the next step I am taking, no more no less.
Product: Credit reporting or other personal consumer reports

About a month ago I realized there were fraudulent charges on my Macys account. I called Macys. They removed the charges and closed the card. They sent me a new card BUT charged me interest on those fraudulent charges ( which they assured me in a letter ( attached below ) they mailed to me they would NOT do ). I was also assured this would not get reported to the credit bureau. I didn't realize this so of course it was marked late. This was reported late and was reported to the credit bureau mid XXXX of this year. 

I called and told them this was wrong, and they removed the interest charge of XXXX and credited me back. Unfortunately, the negative mark on my credit report that MACYS has reported has not been removed. It caused a big drop in my score. I need this to be removed ASAP. I called Macys multiple times with no success. 

I also requested they give me a letter saying that they made a mistake, and this late payment should have never been reported. They haven't done this. I explained to them the importance of updating the report. 

I am currently getting mortgage for a house will not be able to if my score doesn't go up. I will lose the home I am trying to purchase. I understand it takes time to take things off my credit report, but Macys can at least give me a letter saying this was reported my mistake. I also disputed this MACYS late payment on all the credit bureaus. It was reported mid XXXX of this year. I need this negative mark off my credit report ASAP. Please if you could help I am desperate at this point.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number :
Product: Credit card or prepaid card

I have a milestone credit card through Genesis FS Card Services. I have made multiple payments and I have paid the card off remaining balance on XXXX XXXX. I am also on auto payment plan. On XX/XX/XXXX the payment was reversed but the money was not refunded back to my bank account.On XXXX XXXX I received a text message stating my payment was past due. Upon further investigation into my payment history I noticed multiple payments being reversed but are not being refunded back to my bank account. Another attempt to pay off complete balance was made on XXXX XXXX with the payment being reversed XX/XX/XXXX. So clearly this is not the first time this has happened. On top of all that I am being charged late fees. I called Genesis FS card services on XXXX XXXX and spoke to customer service rep by the name of XXXX. He claims that my claims were reserved due to insufficient funds which is completely inaccurate. XXXX also claims that Genesis can take up to 14 days to take payment, which is also inaccurate especially since the payments are taken from my bank account within 24 hours. This seems to be an ongoing problem with them
Product: Money transfer, virtual currency, or money service

Im filing this complaint against Cash App ( Block , inc . ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ) specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error, resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I'm a 100 % XXXX veteran and victim of a natural disaster. Despite numerous requests XXXX XXXX refuses to correct late reporting sent to the credit bureaus during an extension period. Further it has incorrectly marked me 30 days late for months I wasn't because of delays in their system which is no fault of mine. If this isn't resolved with XXXX reversal of late reporting my attorney will be initiating civil litigation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA XXXX accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} Inquiries XXXX  ( Auto ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is to follow up in regrads of the repeated failure to remove the fraud items such as the inaccurate personal information and charge off accounts with incorrect balances from my credit report. Despite my diligent efforts and multiple attempts over the previous instances, these inaccuracies persist, severely impacting my financial standing and opportunities.I request compensation for the significant inconvenience, stress, and potential financial harm caused by the presence of these inaccuracies on my credit report. They have adversely affected my ability to obtain credit, secure loans, and pursue other financial opportunities essential for my financial well-being.I have provided extensive documentation and evidence supporting the removal of these fraud items yet they continue to my credit history. 
This ongoing issue not only undermines my financial credibility but also hampers my ability to access credit and secure favorable financial terms.The following items should be remove 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I had to do a XXXX  reassignment to XXXX, XXXX on XX/XX/2019 and was not allowed to ship a vehicle. I submitted paperwork to Santander Consumer to do a voluntary repossession on XX/XX/2019 and as of the today I am still be charged monthly payments for the vehicle and it has not been picked from the location I inputted on the form I sent them in XX/XX/2019. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 card or prepaid card

Since approximately XX/XX/XXXX I have had issues with the company portal in being able to make payments on time. The portal is constantly timing out, showing an error that it " can't be accessed right now '' or the " page is down ''. This has affected my ability to make timely payments which the company has charged late fees for. 

Approximately XX/XX/XXXX I attempted to log into the portal to make a payment in full and close the account due to the fact that I can never use the online account effectively. I once again was unable to access the account ( screenshots attached ) and am unable to make a payment in either XXXX XXXX or XXXX XXXX browsers. I receive the same error in that the page is down and this has gone on for months now. 

Today, approximately XX/XX/XXXX I have noticed that the company has now posted a late payment against my credit that has reflected across all 3 major reports and my XXXX.

I am requesting that this late payment be removed from all of my credit bureau reports as I have attempted to make payments to this company multiple times without success. The customer service team redirects you to try another browser and I have tried them all without being able to access the account.
Product: Payday loan, title loan, or personal loan

One main Financial mailed us a flier saying we are prequalified for a personal unsecured loan I applied last week online and approved for the loan after submitting all the documents such as Tax return ID, bank statements etc. The locallocation manager requested me to come to her office and bring the titale of our prius car so they can give us {$20000.00} and lower interest rate. She called several times and said please bring the car title and drivers licence. 
I requested do not ask me to come if I can not get the loan, she said everything is reviewed and loan is ready to be deposited into our checking account. First i went annd then my wife. 
Nect day morning she called and told me something about our income qualification, not sure what it is. 

Me and my wife both had to leave the job to go to her and we each lost {$280.00}. The manager at the location could be a XXXX woman and denied us the loan. Am seeking compensation of {$560.00} for both of us for making us loose our paayment. I called their corporate office and they said someone will caa me back, never heard from them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 There Was A Bankruptcy Filed And The Credit Bureaus Accumulated This Information Shortly After. I Have Had This Bankruptcy On My Credit Profile For 6 Years And Since Then I Have Been Denied For Almost Everything I Have Applied For Since Then. My Living Situation Has Changed Drastically Because Of This Bankruptcy On My Credit, And It Is Prohibiting Me From Moving Forward In Life Successfully. This Is Fraudulent And The Credit Bureaus Have Committed Several Violations According To The Fair Credit Reporting Act. I Myself Called The Bankruptcy Court And They Stated They Do Not Report Bankruptcy Information To The Credit Bureaus. I Have Never Given The Credit Bureaus My Written Consent To Furnish Any Of My Information Including Personal Or Credit Information On The Credit Profile That Has Been Created For Me. 

In Accordance With The Fair Credit Reporting Act, The List Below Has Violated My Protected Consumer Rights To Privacy And Confidentiality Under 15 USC 1681.

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 ) : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 ( a ( 1 ) : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Debt collection

I supposedly had a debt account according to the representative that called me. When I informed her that I have no such account, she got aggressive.
Product: Mortgage

While searching for a mortgage loan I was contacted by Priority Financial to help in getting me the best interest rate. Everything went as expected until the disperse net and I was not allowed check due me until I paid Priority {$4000.00} back for them helping me. My back received check and was not released until check was received by them. I found out this was not a correct procedure when I went to refinance loan and refused to deal with a broker. After contacting Priorty they have said they can not find where check was deposited and they would not have anyone work for them they did this. I have sent them documents, front and back of check, and people I dealt with. They have offered {$1000.00} to us because of my health, XXXX, and circumstances happening at the time but can not tell me where money is, who cashed it and if this has occurred with anyone else. At a loss as what else to do. Should I accept the {$1000.00} and be grateful to get some of it back or continue to fight on. It astounds me a company that deals with money, customers and knows nothing of this check. I really need to know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agencies is reporting inaccurate information on my credit report. Credit Reporting Agencies has XXXX XXXX XXXXXXXX account listed as being opened XX/XX/XXXX, when in fact i never open an account with XXXX XXXX XXXX on XX/XX/XXXX. I have presented evidence to Credit Reporting Agencies showing the XXXX XXXX XXXXXXXX account has errors, and Credit Reporting Agencies has  ignored facts presented. Credit Reporting Agencies also list XXXX XXXX XXXXXXXX as a creditor when i have presented proof from XXXX XXXX XXXXXXXX stating, XXXX XXXX  XXXX is a creditor.
Product: Debt collection

Hello, I am filing a complaint about jefferson Capital System LLC. I called Jefferson Capital System LLC and I kindly asked them to send the original purchase agreement to verify the debt. They never agreed to send the purchase agreement. Therefore, I am disputing this account due to inaccurate information.
Product: Bank account or service

Us bank is reporting XXXX separate automatic teller machine abuse on XXXX and they are all incorrect. I would like to know what must be done to get these removed so I can open an checking and savings account
Product: Payday loan, title loan, or personal loan

Hello, On XXXX/XXXX/XXXX, I requested a free quote from Rise for a personal loan thru their website. I provided my information but did not know a hard credit check would be needed in order to obtain a free quote. I was notified by XXXX that Rise had requested my credit report. I called into Rise Customer Service and informed them I did not know that I would recieve a hard check on my credit report since a soft check is normally the process for a quote. I then emailed Rise Customer Support and informed them to disreagrd my pending application and to remove the inquiry on my credit report since I did not approve this request. I have not heard from them. 

Please advise Rise to remove this hard check from my credit report and remove this pending application.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.SCode $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receiptIt has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relatesNEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFTAs a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 I settled an old debt that was through Marnier Finance, LLC. and XXXX XXXX XXXX  was the collection agency handling this debt ; in other words I came to a settlement agreement with XXXX/XXXX  Law and paid the debt in full and was told by Mariner Finance 's local office before I paid the debt that they would release the title as SOON as I gave them the confirmation of debt paid in full. I received my paid in full letter from XXXX XXXX on XX/XX/2020. I contacted Mariner Finance in XXXX, Fl where the original loan took place as I need the title to my vehicle released through the FL DMV as it is imperative I get rid of my truck as I am on XXXX and have an urgent need to do this right away. They gave me XXXX XXXX 's number as was told she was in charge of recovery for Mariner Finance. I was able to contact XXXX the same day. She told me she had not " received '' notification from XXXX XXXX ( she looked up my account ) and that even if she did it would take her thirty days to " process '' the information. She was very short and rude. I did not argue with her and proceeded to file a complaint with the corporate office. However, I was repeatedly disconnected or was on hold over an hour with no one answering. I finally was able to contact someone days later and was told a manager would call me back within 24 hours. I never received a call and have been unsuccessful getting anyone on the phone again. I attempted to contact XXXX XXXX again the first week of XXXX via email and phone ( I have also sent her numerous emails after our initial conversation on XX/XX/XXXX in order to keep a paper trail ). She never responded to me. I also left her a few voice mails. I filed a complaint with the XXXX  XX/XX/2020. The response from the company, Mariner, was received XX/XX/2020. It was a generic letter stating that my debt was transferred to XXXX and I need to contact them. Um, XXXX XXXX are the same, and this is part of my rebuttal that I sent back through the XXXX  ( which I have attached ). I am getting no where with this company and as you can see they don't even research my file when they are contacted by the XXXX. They are illegally retaining the title to my vehicle. I can't continue to wait for a resolution as I feel there is not going to be a resolution since I can't even get in touch with anyone. Please help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to update my account with XXXX as I've sent them a settlement letter which they've acknowledged on a recorded line that they've received it. As well I sent a statement showing that amount was paid, Experian then on a recorded line stated they came to the determination that even though I sent in a settlement of debt letter and also a statement showing the payment and creditor that it wasn't enough to have the account updated then proceeded to tell me that I needed more " proof '' to submit a dispute but there isn't anything more " proof '' worthy then a bank statement and settlement letter, they state that they sided with XXXX info that information was correct and no updated was done.
Product: Credit reporting or other personal consumer reports

To whom it may concern, You are reporting this collection Account name : XXXX XXXX XXXX Account number : XXXX With a past due Account balance amount of {$790.00}. This is inaccurate reporting and needs to be removed IMMEDIATELY. This is a violation of the FCRA and is in violation of requisite Metro 2 complaint reporting standards. According to the Fair Credit Reporting Act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable or accurate. Please send me a copy of my credit report when the above deletion has been removed. Sincerely, XXXX XXXX