23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX different occasions a person who identifies himself as " XXXX XXXX '' leaves a very intimidating message for someone ( not me ) that they " had better be at '' and leaves an address to receive paperwork he has. He left the phone number XXXX if I was not going to be available. I contacted this number and spoke to XXXX different individuals, telling them I was not the person they were looking for and wanted my contact information removed from their data base. They refused to do so. XXXX of the phone calls was at XXXX XXXX. I have read on an internet search that this is a very standard practice for this company, please do something about it - Creekside Recovery and Capital Management.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on the dates below : Account Name : US DEPT ED Account Number : XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX  XXXX XXXX, NV XXXX XXXX, IL XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian failed to properly investigate all collection accounts & delinquent credit accounts that was disputed as not being accurately reported
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I found out that there is a judgement against me from XXXX XXXX. It is showing under the pubic record of XXXX county that I owe them the amount of {$9000.00}. I have no knowledge about this and i do not recognize this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I responded to a Capital One promotional flyer for applying to obtain a credit card. I authorized one and only one inquiry. Per Capital One I was denied the Credit Card. 

To my shock when reviewing my credit report this week, it reflected two seperate credit inquiries. One I  authorized on the XX/XX/XXXX and another the next day XX/XX/2019. 

I did not authorize an additional hit to my credit. I called Capital One and after being transferred spoke today, XX/XX/2019 at XXXX to XXXX and then to XXXX . I was told to write a letter to Capital One i n XXXX XXXX XXXX Utah and they would investigate the situation. I told them I would like an email or phone number to call as this was very serious to me and that it was Capital One 's Fault and not mine. Who in their right mind would be denied credit on the XX/XX/XXXX and run their credit on the XX/XX/XXXX? 

I find this response to their error aggregus. I am a Senior Citizen and should not be treated this way.
Product: Credit card or prepaid card

The problem with this issue is rather simple. I have held a Citi Credit Card for almost 18 months. Per the card holder agreement, after 18 months the card would become unsecured. I received a notice stating that that Citibank has decided to continue to hold my deposit and keep my card secured, as this will continue for another 12 months. This is highly deceptive. I have paid on my credit card with Citibank, without a single delinquency. I have stayed within my credit line and I have even opened more credit cards, which are not secured. I have opened a checking and savings account with Citi, in XXXX. I do not understand why Citibank is doing this. They have issued me a XXXX credit card with a {$800.00} limit, which is from their retail side. I certainly understand if there was a horrible pattern of delinquency, but there is nothing. I have cleaned out and cleared all collections on my report. I have refinanced my car at a far lower rate. My credit economic and income situation has changed greatly and to the positive since I obtained this credit card back in 2019.
Product: Money transfer, virtual currency, or money service

OnXX/XX/21 my Chase bank account was hacked and they wired funds out of my account. I immediately ( within 30 min ) notified Chase of the problem both verbally ( on the phone ) and inside a branch. I filed two Affidavits because there were two unauthorized wire transfers so an Affidavit was filed and submitted for both wires onXX/XX/21. One wire transfer was for {$11000.00} and the other for {$12000.00}. They told me that it would take 5 business days and they would update me on the status. I didn't hear anything in 5 business days so I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on the XXXX after chase staff called I received {$11000.00}. So I called XXXX, XXXX and when I called on the XXXX they told me that they couldn't recover my {$12000.00} and that there was nothing else that they could do and that it was my fault.
Product: Student loan

I, XXXX XXXX XXXX, give authorization for Nelnet to move forward with this complaint. 

I, XXXX XXXX XXXX, a natural person, signed a negotiable instrument, a promissory note, with FAFSA ( Free Application for Federal Student Aid ) on XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for Eastern Michigan University. 

An negotiable instrument is a " note '' if it is a promise and is a " draft '' if it is an order. If an instrument falls within the definition of both " note '' and " draft, '' a person entitled to enforce the instrument may treat it as either pursuant to UCC - 3-104 ( e ). 

I am acting in good faith that I signed an negotiable instrument and accord and satisfaction by use of instrument. Pursuant to UCC 3-311 Accord and Satisfaction by use of an instrument, that " If a person against whom a claim is asserted proves that ( i ) that person in good faith tendered an instrument to the claimant as full satisfaction of the claim, ( ii ) the amount of the claim was unliquidated or subject to a bona fide dispute, and ( iii ) the claimant obtained payment of the instrument, the following subsections apply. '' Pursuant to UCC 9-102, a " Promissory note '' means an instrument that evidences a promise to pay a monetary obligation, does not evidence an order to pay, and does not contain an acknowledgment by a bank that the bank has received for deposit a sum of money or funds. Nelnet ServicingXXXX a bank, is reporting on my consumer credit report of alleged debt that I signed an negotiable instrument for repayment. 

Where did Nelnet get the evidence of an order to pay or when did they receive the deposit of money or funds?
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report. These reports were lawfully obtained by me, through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Please provide proof that the information as contained on the reported tradeline is in fact 100 % Accurate, Complete, Verifiable, AND Timely. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any obligations of your reporting bar none. 

XXXX XXXX XXXX  - XXXX - You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, tXXXX XXXX XXXX XXXX, and the Federal Trade Commission. Your immediate attention to this matter is expected XXXX XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT, these convergent accounts listed below has violated my rights. 

XXXX. 15 USC 1681 SECTION 602 A, STATES ; I HAVE THE RIGHT TO PRIVACY XXXX. 15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES ; A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I have disputed the accounts with the credit bureaus as well as sent letters. 
The disputed responses I received back stated that the accounts were in accordance with FCRA, which is not true based on the XXXX violations I have listed above. No response pertaining to the letters that was sent. 



XXXX. XXXX XXXX XXXX - ( original creditor XXXX ) last reported XX/XX/XXXX balance {$2400.00} XXXX. XXXX XXXX - ( XXXX XXXX XXXX XXXX XXXX XXXX ) last reported XX/XX/XXXX balance {$2400.00} XXXX. XXXX - ( original creditor XXXX XXXX XXXX XXXX XXXX XXXX ) last reported XX/XX/XXXX balance {$1500.00} XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX paid- closed XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX paid- closed XXXX. XXXX XXXX XXXX XXXX, XXXX paid - closed XXXX. XXXX XXXX XXXX XXXX, XXXX paid - closed XXXX. XXXX XXXX XXXX XXXX ( original creditor XXXX XXXX ) XXXX, XXXX balance {$400.00} XXXX. XXXX XXXX XXXX XXXX - ( XXXX XXXX XXXX ) XXXX, XXXX balance {$520.00} XXXX. XXXX XXXX XXXX  - original creditor XXXX XXXX XXXX XXXX, XXXX balance {$2800.00} XXXX. XXXX XXXX  XXXX, XXXX balance {$470.00} XXXX. XXXX XXXX XXXX XXXX, XXXX paid - closed XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX closed
Product: Debt collection

Step 1 : What is this complaint about? Additional interest, fees, expenses and charges added to original debt Step 2 : What type of problem are you having? Payments had not been recorded, in payment history of collection agency, XXXX XXXX XXXX. 
Step 3 : What happened? I did not know when the bill was headed over to collection Step 4 : What  company is this complaint about? XXXX XXXX XXXX Step 5 : Who are the people involved? XXXX XXXX XXXX XXXX  The Fair Debt Collection Practices Act was passed by Congress in 1977 to protect consumers by making some debt collection activities illegal What if the Amount Is Incorrect? 
In general, collectors may not add interest, fees, expenses or charges of any kind to the original debt. However a collector may charge an additional amount if :
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt authorize none of this credit pulls. XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXXl/XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX XXXX/XXXX ( XX/XX/XXXX ) Credco ( XX/XX/XXXX ) credco/XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I requested that Experian, XXXX, and XXXX reinvestigate the following accounts : XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX  XXXX # XXXX, and XXXX  XXXX XXXX original creditor : XXXX XXXX XXXX # XXXX. 

However, they have stated that the information is complete and accurate. I disagree, as the open date, date of last activity, and other information is incorrect. According to 15 USC 1681 ( 5 ), consumer reporting agencies are required to modify accounts that are not reporting correctly. 

I have also included the following sections of the Fair Credit Reporting Act ( FCRA ) in your rewording : 15 U.S.C. 1681 section 602 A. This section states that you have the right to privacy, including the right to have accurate information in your credit report. 
15 U.S.C. 1681 Section 604 A Section 2. This section states that a consumer reporting agency can not furnish a credit report without your written instructions. 
15 U.S.C. 1681c. ( a ) ( 5 ) Section. This section states that a consumer reporting agency can not make a consumer report containing any information that is more than seven years old, with some exceptions.
Product: Credit card

1. I opened the account on XX/XX/XXXX and they immediately charged me {$95.00} for yearly fees ( because it was the last day of the year ) 2. I made my payment on XXXX for {$5800.00} and even though my balance was XXXX for XXXX work days, the bank charged me an additional {$5800.00} on XXXX overdrafting my checking account. 
3. I called on XX/XX/year> ( case number XXXX ) to request my money back and they claim the refund will take XXXX work days ( without paying me interest for my money ).
Product: Checking or savings account

I received XXXX emails on XX/XX/XXXX confirming that my new accounts were opened. I never authorized these accounts. There is a freeze on my credit report which means these accounts were opened without proper verbal approval from me. 

Confirmation numbers : XXXX - account ending in XXXX XXXX - account ending in XXXX
Product: Debt collection

I'm one of the owners of XXXX XXXX, we sell printers and plotters here in Michigan. We purchased a large plotter from XXXX XXXX XXXX in XXXX XXXX XXXX. We contracted with XXXX XXXX to pickup the plotter and deliver it to us as per their quote price. They were told what our loading bay was like and we told them that our hi-lo was broken so we would have to have liftgate delivery which is an addtional charge. We expected that they would back up to our standard bay and unload the machine into our warehouse. Instead they dropped it off in the parking lot and then using a pallet jack, rolled it into our warehouse. This is nothing unusual, happens frequently. At some point we get a message from them saying that there we extra charges involved. I contacted XXXX XXXX and they said that there was an additional charge of {$96.00} to have the driver roll the machine into the warehouse. The driver never mentioned that there would be an additional charge or we would have moved it ourselves. Since we are dealer for this equipment, we have technicians and pallet jacks to move this equipment around. XXXX XXXX said they would appeal the extra charge with their carrier which of course was denied. We then disputed the extra charge with XXXX and they ended up refunding the charge back to our corporate XXXX card, we thought that was the end of it.. 
In XXXX XXXX XXXXXXXX I became aware that my personal credit score dropped dramatically. On investigation I found that XXXX XXXX had Eastern Account Systems file a collection on me personally. I never personally had anything to do with this transaction and, in fact the only thing they had was my name relating to XXXX XXXX XXXX XXXX They improperly and illegally obatained my personal information including my home address, social security number, etc., I never provided them with any of this information and they have no signed agreement where I personally guaranteed to pay anyting related to XXXX XXXX.
Product: Credit card

I am a stamp collector, and in XX/XX/XXXX I purchased what were described as XXXX very rare stamps from a dealer in XXXX, that were also described to be of the highest quality. Upon receiving the stamps in XX/XX/XXXX, I submitted them to the XXXX XXXX XXXX XXXX XXXX XXXX for an expert opinion to confirm they were genuine and as described by the dealer. In XX/XX/XXXX the XXXX issued their opinions, both of the stamps were actually different, much more common varieties, and both were re-gummed, so worth maybe {$400.00} instead of {$1200.00}. I then emailed the merchant and repeatedly asked for a refund since the stamps were not as described, and he did n't answer any of my emails, leading me to believe he knew very well what he sold were not the rare varieties he described. Because I charged the stamps on my Citibank Master Card, I went to the Citibank web site to try and dispute the charge. When I went to the Citibank dispute e-form, when I selected " merchandise not as describe '', it asked me to specify the date when the merchandise was returned. I called Citibank, and was told they would not accept a dispute for " merchandise not as describe '' until the merchandise in dispute had been returned to the merchant, so I went to the post office and sent the stamps back by registered mail, and then entered the dispute in the Citibank web site. Sometime later, I received a letter from Citibank saying my dispute was declined, because too much time had passed between the charge and filing the dispute ( which was due to the long time it takes for the XXXX to issue a certificate ). Of course I was very upset, I called Citibank and said why did n't they tell me that before they told me to send the stamps back? Now the merchant not only has my {$1200.00}, but he received the stamps back to sell to someone else, and I could have sold them to mitigate my loss. I think it 's unfair for Citibank to insist on merchandise being returned before they consider a dispute. XXXX is much better, they will resolve a dispute and then if the Buyer prevails, he/she has XXXX days to return the merchandise to the Seller. This should be the general policy for all banks, do n't enrich merchants who are crooks by forcing a buyer to return items before the dispute is resolved in the buyer 's favor. 

** FYI : The above is simplified for ease of understanding, the purchase actually involved XXXX stamps and XXXX seperate charges to my credit card, the XXXX other charges were in XX/XX/XXXX, and XXXX were reversed by Citibank as they were within the time window. The XX/XX/XXXX charge was the one not reversed, which is the one I am upset about.
Product: Debt collection

I sent a letter dated XX/XX/2018 to Way Point Resource Group for Validation of the alleged debt that mysteriously appeared on my credit report. I did not open this account reported on my credit file. I don't Know who this company is. I specifically asked for a signed agreement and other supporting documentation. The request was not adhered to they never responded to my letter and Way Point Resource Group continued to report to the credit bureau for the alleged debt. I never received a billing statement from this company I don't even know who they are. Way Point Resource Group have reported the information to the credit bureaus that I am asking to be deleted. The account does not belong to me. I opened a identity theft complaint with the credit Bureaus on XX/XX/XXXX and since the identity theft complaint, I have not received an update from Way Point Resource Group. The only update I have received was from my investigation results with XXXX  that the account was deleted from their bureau but the other Bureaus continue to report on my file.
Product: Checking or savings account

I've been charged overdraft fees on XX/XX/XXXX, XX/XX/XXXX, and yesterday on XX/XX/XXXX.These were {$36.00} each totalling {$100.00}. I have repeatedly tried to pursue a refund but they state they only allow one refund every two years. I haven't been given any notification for fees until the next day, so I am unable to put money in. This handling of my money is very heinous and dishonest. All I am trying to do is get my money back to that was wrongfully taken. I haven't been able to get anywhere with BB & t, even emailing the CEO. I am seeking a just solution and just want my money back. I have been a BB & T customer for a long time but your history or experience with the company doesn't matter, only whether or not they've given you a refund in 24 months.
Product: Debt collection

RADIUS GLOBAL SOLUTION # XXXX I'm unware of these accounts and did not have the opportunity to dispute them. Please provide Validation of Debt, Assigment of Debt, and Method of Verification. 

Please provide the " certfied mail receipt '' showing I have recieved the notification, per the law. 

Please all request listed of you will be in violation of the FCRA. 

Please retreat this account from collections and remove it from my credit report, if you have not already done so. 

According to HIPAA, you have no permissible business reason to supply a third party collection agency any information regarding myself or my medical history due to no money being owed. I have no desire to cause you unnecessary difficulty, however this unnecessary negative information reporting on my credit profile is beyond damaging. 

Once I receive the response from the credit reporting agencies and if the account HAS NOT been deleted, I will be forced to take action to protect my rights as a consumer under HIPAA, FCRA and FACTA rules and regulations. Rather than through what would undoubtedly be a hassle for both you and I, please do as you have been instructed and what is right according to HIPAA requirements. While, I would rather handle this between you and myself, I am prepared to do what needs to be done to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

factual data Mortgage Reporters Contact info Address XXXX XXXX XXXX XXXX XXXX, OHXXXX  Phone number ( XXXX ) XXXX XXXX XXXX XXXX