23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I believe the account is invalid. CREDIT COLLECTION ( Original Creditor : XXXX ) needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. CREDIT COLL ( Original Creditor : XXXX ) XXXX
Product: Credit reporting

My credit reports from Transunion XXXX XXXX contain a report for a collection for an electric bill that is not mine. The amount is approximately XXXX dollars. I have disputed the address where the company says i supposedly live and obtained this electric bill. The address i believe has been removed but the negative collection has not been which is associated with this address. This light bill is not nor has it ever been mine. I contacted the company directly and the name on the account is misspelled and I never signed or authorized any account in my name with XXXX XXXX XXXX. I 'd like to get this account removed as it is negatively affecting my credit score.
Product: Credit card

Discover has predatorily and improperly abused reports & transactions, violating the fair credit reporting act as well as truth in lending act
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately! I had 2 Late payments on an account ( XXXX  XXXX ) that it was in fact paid on time. The consumer reporting agency need to report all information with complete accuracy. this account has not been late on payments. I have attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX I am now requesting you invetigate the account and update this payments to on time immediately thank you for your understanding
Product: Money transfer, virtual currency, or money service

I have informed Paypal that these transactions are XXXX, and need to be refunded and charged back to the merchant. I cancelled the agreement 4 months prior to the free trial ending. Not only did the merchant charge me for 1 account, but they charged me for 2 accounts for music service as 2 different levels with the same account with paypal. There is not anyway a person would need more than 1 account. The company in question is XXXX   an online music streaming service. They will not answer phones and will not communicate directly. My virtual wallet credit account Paypal did stop further transactions, but has not and has refused to refund the unauthorized transactions. I need the funds in question, plus the original trial funds returned to me as promised. As Paypal dispersed the money without my consent, and is not properly responding to the unauthorized transaction and calling it a billing agreement I hold them responsible. There was no agreement in place. I saw the charge and immediately requested the refund. The service was never used, not paid for or trial. You would think the companies would do the right thing but as this juncture they refuse. 

Your help in this matter would be appreciated. 

Here are the paypal transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX my log in id is XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX  and XXXX I borrowed a total of XXXX USD of XXXX  loans from US Dept of Education serviced by XXXX  Once I graduated college in XX/XX/XXXX, I started paying back these loans with a XXXX XXXX living at my parents. I completed repayment on XXXX XXXX XXXX XXXX. This was my first line of credit I had ever taken. 

On XX/XX/XXXX, XXXX XXXX notified me of adverse action due to my credit report. The age of my longest account, and the average of my accounts being less than 5 years. I considered this strange since my original loans were over the 8 years 10 months listed. I looked at the credit report and found that my XXXX loans from XXXX XXXX XXXX were missing from the report. 

I called Experian on XX/XX/XXXX at XXXX as there is no online option to dispute missing information ( only available for existing information ). They said it was not being reported on because the loan servicer was no longer reporting the information. 

I called XXXX on XX/XX/XXXX at XXXX, the new loan servicer. I spoke with a credit reporting officer there who let me know the information was available as seen on the website display, but the data was not being requested from the credit bureau, likely because it has been over 10 years since the accounts were paid in full. She recommended I ask Experian representatives when the " XXXX XXXX was deleted '' as that without a trade line entered, no data would be automatically transferred from XXXX to Experian. 

I called Experian again on XX/XX/XXXX at XXXX. The representative in the dispute department informed me it was against the law to report on data over 10 years old and they were unable to complete the request. I explained that the information they were providing the insurance company was incorrect and incomplete due to this data being left off, especially as it is in my favor to have a long running loan successfully paid off early. The call disconnected. I haven't received any followup. 

I will try to contact Experian again regarding the issue, however I am unconvinced my efforts will do much without going through additional avenues. 

To summarize, I paid off my original XXXX loans early which gave me a great credit score. However, 10.5 years later after paying them off, I am now having adverse action taken against me by insurance because the reporting by Experian is no longer giving a complete credit report and is misrepresenting my credit history.
Product: Credit reporting

Equifax did not delete both the disputed account and it 's duplicate collections account which is beyond the 7 year statute of limitation for being on a credit report. Equifax instead only deleted the collections item and left the original creditor. The creditor 's item is well beyond the 7 year period of first default, for being on a credit report.
Product: Debt collection

With my BestBuy Citi Credit Card ending ****, I have made a purchase at a BestBuy store on XX/XX/2021 for {$800.00} to be paid in 24 monthly installments with no interest or fees. My next statement in XXXX included the whole amount, but I didn't suspect anything wrong as it was the true amount I owed, and it showed in my promotional purchases section of my statement. However, the total amount was not spread over equal payments, and somehow, I paid not all but most of this purchase along with the remaining expenses on my account for the period. 

The total statement balance of {$970.00}, including the purchase in dispute, was paid on XX/XX/2021, because I had my instructions to make full statement balances on due date. On the other hand, I still owe {$160.00} on promotional balances, which should be only 1 ( one ) installment less than the total purchase, around $ XXXX I contacted various customer service representatives, and until the last one, they all argued the system withdrew all the money owed from expenses because I had Full Statement Balance pay instructions, and Citicards didnt have an option to separate and calculate installment payments from the rest of the balance, which sounded meaningless. Multiple CS representatives told me that I should calculate how much I wanted to pay on each month and put that into payments or change my monthly payment instructions to Minimum Payment, which would create interest charges on my expenses outside the Best Buy promotional purchase in dispute. 

Getting into an installment pay plan and then having required to calculate your next payment each term is not making sense, and there is obviously a mistake here that customer service doesnt want to understand. Unfortunately, there is no available authority fully comprehensive at BestBuy or Citibank to reach out for the dispute, so I have no other option to report this promotional delusion on all levels of complaint departments.
Product: Credit reporting or other personal consumer reports

I have disputed all charges on my report due to incorrect information on the report. There are numerous accounts that have invalid information that I pointed out to the credit bureaus. Yet they have not removed or correct the information. Also I have reported that I was a part of the data breach with XXXX in wanted items removed. I was also a part of the XXXX data breach as well as the XXXX  XXXX data breach.
Product: Debt collection

On XX/XX/XXXX I received a collection notice from Affiliate asset solutions wanting a balance of XXXX. The date of service was XX/XX/XXXX. This was not my debt and I have no knowledge about account. At that time, I was XXXX in XXXX.
Product: Checking or savings account

The only reason I am submitting this complaint here is because the last time I went through the bank, they refused to help me. However I am once again having an issue with overdraft fees. My account with Bank of America was intentionally overdrafted one month ago around XX/XX/XXXX and I accepted the penalty. However, after the fact some automatic payments were taken out and reversed due to lack of funds. However despite being reversed, I was still charged an overdraft fee for each payment. A total of 4 payments were charged overdraft fees despite them being reversed soon after. And it appears there is a 5th pending. Obviously charging XXXX+ dollars on an already overdrawn account is an issue. I just need to have these charges reversed. All of the payments bounced so there is no reason for the fees. Attached are screenshots of my account and every transaction since the initial overdraft.
Product: Debt collection

This debt was removed from my credit months ago and has reappeared. 

I need this removed immediately, I don not owe this debit and it is affecting me from moving in to a new apartment and buying my family a house. 


I will attach screenshots of when this debt was removed.
Product: Debt collection

To whom this may concern, I am writing this letter because of terrible experience I had with my last purchase. The purchase was made on XX/XX/2020 in the amount of {$42.00}. Since this purchase, I never received a bill in the mail. I was enrolled in paper statements. After some time, I reached out to Macys to see where my bill was for the item that was purchased. They notified me that I was already sent to collections and that my account was set to paperless billing. I never authorized paperless billing as all of my bills are paper and are sent to my home address. No one reached out to me regarding the outstanding balance. I was able to get a hold of a customer service agent on XX/XX/2020 who advised me that she would take care the charges on the account and apologized for the trouble that this has caused us. The person I spoke to was XXXX ( ID : XXXX ). Today, I received another bill with all of the charges still outstanding on the account. I called customer service again and experienced terrible customer service. The agent was nasty and rude and did not help me. I have great credit history and have never missed any payments. I have been a life-long customer of XXXX but this incident has caused me great stress and worry and has ruined my credit score. I would appreciate if someone can get in contact with me so that I can have this issue resolved. I will pay the amount of {$42.00} in full but I will not be making any additional payments as I never received any statements in the past. 



Sincerely, XXXX XXXX Macys Account # XXXX XXXX ( XXXX ) XXXX XXXX
Product: Credit card

XXXX Credit Card, issued by Comenity Bank, consistently charges interest and fees on a long closed account. Repeated request to STOP charges on an account with NO principal balance is unjust. I am being charge > {$10.00} interest fees on at one time a {$2.00} balance. Despite numerous payments to address the diminimus balance, at one point was {$0.00} and yet interest and late-fees on this {$0.00} balance are egregious and absurd. The account is closed and no activity on the account in >5 years. I want Comenity to cease billing on this closed account and waive any remaining late-fees that compound into perpetuity on a XXXX principal BALANCE. Please some one help me.
Product: Debt collection

My car went missing from the parking lot at work in XXXX. I tried to file a stolen vehicle report with the police and insurance company. Santander said they repossessed it due to late payment so I was unable to report it as stolen. For almost a year or more they contacted family members and neighbors over the phone and in person trying to find my car they claim they did not repossess it and we 're looking to repossess it. They continued to call and ask me where my car is after THEY told me multiple times that THEY repossessed it. They even called to tell me it went to auction on another XXXX and asked me where it went after auction like I would know. Then in XXXX they send me a letter to settle my charge off amount for 50 % off my total amount in exchange for the title for a car they claimed they repossessed, supposedly auctioned and lost track of 4 years earlier.
Product: Credit reporting or other personal consumer reports

I'm feeling troubled, unhappy, and XXXX regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.
Product: Credit reporting

# 1 TransUnion is reporting XXXX XXXX as well as XXXX XXXX and it is the same account. that is double jeopardy and must be removed as only the company that actually holds the account can report the account. If they are both reporting it, it looks like I owe twice the amount on my credit summary. The original creditor does NOT hold the account anymore, therefore it must be removed or must show that it was transferred to another company, which it does not. Please see credit report that is attached. 

# 2 TransUnion reinserted XXXX XXXX after it was removed from my XXXX/XXXX/16 credit report and I am not seeing it back on my XX/XX/XXXX report and I was not notified within XXXX business days of said reinsertion which is a violation of section 611 # 2 I 've notified TransUnion that they have the wrong filing date on the bankruptcy and they came back saying that " bankruptcies will stay on your credit report for 7-10 years ''. I never asked how long they stay on there! I also wrote the court and their response was that they dont do any verification whatsoever with the credit bureaus and so, in consideration of the fact that they can not verify this and that they are reporting it incorrectly it must be removed. In addition, I did not give my authorization for them to report it on my credit file pursuant to FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) : ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ;
Product: Debt collection

Hello This company name CBE Group keep calling me several times a day without leaving any voicemail messages. I called the company to ask why are they calling me. The Agent refuses to tell me why they are calling me or what for. The Company want me to give them my Full Social Security number for me to get information. I do not know these people or what want. Plus I do not give out this information to unknown people over the phone. 

I also do not have any outstanding debt. I'm requesting to know why these people are calling me. If I do not get that information why i'm being called and Harassed. I will be filing a attorney general complaint as well. 

I feel i'm being harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been on XXXX since XX/XX/2019 I have been cleaning things off my credit report past medical bills and everything else to build my credit back up to buy a house for me and my kids nothing new has changed no new debts or anything else on my credit in XX/XX/XXXX TransUnion updated my credit score and dropped it by XXXX  points for no reason and are giving me no reason for it they are also reporting inaccurately information to their partner company credit sesame that is reporting inaccurate bills or debts and credit scores I want my credit score fixed there's no reason it should drop by XXXX points for no change in a credit report I have not worked since XXXX of 2019 and have had multiple surgeries and are expected to have multiple more I am trying to get my credit fixed and high enough so I can get approved for FHA first time home buyers loan and them dropping my credit score by XXXX points for no reason completely killed every headway that I've had
Product: Student loan

Nelnet has improperly calculated my 5 years of continuous teaching multiple times as part of my XXXX Loan Forgiveness Application. I am using the XXXX  Loan Forgiveness Application downloaded from the Studentaid.gov Web site as the authoritative document for instructions and definitions in filling out the XXXX  Loan Forgiveness ( XXXX  ) application. This downloaded application has an expiration date of XX/XX/XXXX. 

The instructions on page 3 of the XXXX application in Section 7 state : If you need to list multiple XXXX or need more than one XXXX XXXX certification, the information required in Section 5 may be provided on a separate piece of paper and submitted with your completed form. 

Attached are the second page of my submitted application and an additional sheet which contains a completed XXXX XXXX XXXX Section only. To be clear my submission has always been three pages. Page 1 and page 2 are sections 1 thru section 5 of the XXXX application. Page 3 was a copy of page 2 with only section 5 completed. 

On page 4 of the XXXX application in Section 8 defines : An academic year is : Two complete and consecutive half years at different schools or for different XXXX  service agencies. 

The dates in the attached certifications are shown as follows : XXXX XXXX XXXX XX/XX/XXXX thru XX/XX/XXXX, and the XXXX XXXX XXXX XX/XX/XXXX thru XX/XX/XXXX. I am claiming the following continuous years of service : XX/XX/XXXX XX/XX/XXXX ( XXXX year of XXXX XXXX XXXX XXXX ), XX/XX/XXXX XX/XX/XXXX ( XXXX year of XXXX XXXX XXXX XXXX ), and XX/XX/XXXX XX/XX/XXXX ( 4 years of XXXX XXXX XXXX XXXX  ). This service meets the requirements of 5 years of continuous service.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account with XXXX XXXX that was opened around XX/XX/2016 for approximately XXXX dollars. This account was subsequently charged off. This account does not belong to me. I have disputed this account with XXXX, XXXX and Experian and all but Experian have removed the account. I have disputed this account with Experian too many times to count. I have submitted fraud affidavit after fraud affidavit to them and they come back a week later and say that the account remains. I have contacted the company XXXX XXXX and they cant provide me any info. I have asked Experian on several occasions to provide me the documents that were used to validate the account as mine and have never received it.
Product: Credit reporting or other personal consumer reports

Submitted disputes for collection accounts but error was not fixed.
Product: Debt collection

I contacted Capital One Bank by phone and was informed that my banking relationship with them had been terminated.
Product: Credit reporting or other personal consumer reports

I dont recognize these inquiries or creditors. I need them removed from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX, Senior Energy Consultant ( Tel. XXXX XXXX XXXX email XXXXXXXX XXXX XXXX XXXX ) for XXXX XXXX XXXX convinced me to sign up to have the solar system installed at our house at XXXX XXXX XXXX XXXX, XXXX, California XXXX. We met several times at our house because there was a problem with how much we can save on electric bills. I mentioned to him that I am concerned that the federal tax credit he mentioned will not affect our tax situation because we do not owe that much in income tax. Since I prepare tax returns for individuals as a XXXX  I know that the federal tax credit he was referring to do not apply to us. He tried to prepare different scenarios on how the solar system will benefit us, like rebates at end of the year, lower monthly electric bill, etc. and kept changing the contract. To make a long story short, the SOLAR PANELS HAVE NOT BEEN INSTALLED and I am also sure that the XXXX XXXX XXXX has not approved its installation either. However on XX/XX/2022 Equifax reported that the agreement had been consummated XXXX XXXX Confirmation # XXXX. All i want is to have this matter removed from my credit report. Please help and I would appreciate your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to correct incorrect information contained in my credit reports with EQUIFAX, XXXX  and XXXX since XX/XX/2021. I mailed certified letters on XX/XX/2021 requesting XXXX and XXXX to correct the information contained in my credit reports with their companies and they updated the information. I faxed the required information ( a copy of my Social Security Card, Driver 's License and/or an Official Document to update my name. ) to EQUIFAX on XX/XX/2021, they corrected all of the incorrect information contained in my credit report with their company except my name. I thought it must be a mistake or system oversight so on XX/XX/2021 I mailed EQUIFAX a certified letter with the same information and they sent back the results of their investigation asking me to resubmit a copy of my Social Security Card, Driver 's License and/or an Official Document to update my name. This was my second attempt to request that EQUIFAX correct the incorrect information contained in my credit report with their company. I've never been a XXXX and I've provide the required documents proving my identity. This is adversely affecting my credit score and the decision of companies that use EQUIFAX to determine creditworthiness to extend me credit.
Product: Debt collection

I am currently paying this debt to XXXX XXXX they are collecting XXXX from me. This debt collection is causing me severe XXXX. I am a XXXX XXXX with severe medical issues who is making monthly payments to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling this bankruptcy account for awhile now and this haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that this account have different values and information.