23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A Few years ago XXXX was informed informed that XXXX XXXX and I were no longer together and that the debt my solo debt. They were also informed that they did not have permission to contact him any more about this debt. They were also informed via letter to cease and desist contact, since they were rude and were attempting to collect late fees on a debt. The Original Lease was a prorated rent and the Apartment complex charged late fees even after the Manager agreed that final bill I received was the final bill.. there has been added 650 $ additional.

They contacted XXXX XXXX today ... His voice mail is clear that it was NOT my voicemail and the number was some how reentered into their system. And they told XXXX they were collect debt of mine. Which is a pure violation of personal information violation. The voice mail is saved!

They also keep saying I am refusing to pay the debt even though multiple attempts have been made to get the bill corrected and they refuse to follow the no collections of additional Fees.

As far as the rudeness they are constantly talking over me, refuse to let me complete my statements, constantly hang up on, and even put someone on hold for extended lengths. The refuse to follow regulations set forth by both the FTC and FCC about telecommunications. Also the normal staff us falsely presenting themselves as Supervisors or Managers.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the verification of a collection account on my credit report. Despite previous verification, I request the deletion of this account in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( A ), the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), and the Fair Credit Billing Act ( FCBA ) Section 623 ( a ) ( 7 ). The collection account in question is XXXX  XXXX XXXX XXXX believe this account does not accurately reflect my credit history, and I have not received sufficient validation of its accuracy from the creditor. Please provide me with a written explanation of the verification process and the specific information that was verified. Additionally, I request that you delete this account from my credit report as per FCRA, FDCPA, and FCBA guidelines. I appreciate your prompt attention to this matter and request that you inform me of the outcome of your investigation.
Product: Credit card or prepaid card

Hello, I was given an amex gift card as a donation from a family, I am currently a XXXX XXXX XXXXXXXX XXXX XXXX. This card was addressed " for XXXX XXXX XXXX ''. 

I spent money from this gift card on school supplies. 
Someone committed fraud and theft with my card and spent {$750.00}, wiping my account. The inital amount was {$2000.00} and I had spent around XXXX this year. 

I always had this card on my person. I called the XXXX number on the back of the card. I talked to 2 different representatives and they both quoted me different balances. Initially I had seen a {$0.00} balance, but the next day I saw that it had {$50.00}. I called and the CSR quoted me {$50.00} and said she wanted to lock my account. She said she would send me the {$50.00} but didn't even get my address info. She said I needed to call merchants but locked me out of seeing the transactions. After calling back, I had a different CSR who said he could email my transactions so he took my email, address and phone number. I was given a case #. I've lost a lot of money that was donated for my students. I don't know whether I'll get the list by email or if any help at all. They need to care about their customers and make cards more secure. Someone is stealing gift cards in store or at Amex. Someone needs to care. CSRs should be all giving me the same information not confusing me more. I have attached a screenshot I took yesterday before my account was locked, it sounds like more activities happened and I want an updated transaction list.
Product: Credit reporting or other personal consumer reports

Subject : Credit Dispute and Demand for Removal of Unauthorized Items I am writing to formally dispute and request the immediate removal of certain unauthorized items from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). I have provided the necessary details below for your reference : Full Name : XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX According to the FCRA, I have the right to request an investigation into any inaccurate or unverifiable information on my credit report. I kindly ask that you remove any items that the respective creditors can not substantiate. As per XXXX U.S.C. Sec. XXXX ( a ), I expect you to complete this reinvestigation within 30 days of receiving this letter. 
Furthermore, I would like to bring to your attention that the following accounts, which were part of my bankruptcy, are still erroneously appearing on my credit report under collections accounts. They should have been removed when my discharge was finalized. I have attached a copy of my bankruptcy documentation for your review : XXXX. Account XXXX XXXX XXXX Reported on : XX/XX/XXXX Account Number : XXXX XXXX Creditor : XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX. Account : XXXX  Reported on : XX/XX/XXXX Account Number : XXXX XXXX Creditor : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Account : XXXX XXXX XXXX  Reported on : XX/XX/XXXX Account Number : XXXX XXXX Creditor : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX I kindly request that you promptly investigate these accounts and remove them from my credit report as they are unauthorized and should not be negatively impacting my credit history. 
I appreciate your attention to this matter and expect a timely resolution. Please provide written confirmation once the necessary corrections have been made to my credit report. 
Thank you for your time and assistance in rectifying this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquiries on my credit report i dont recognize. Innovateloan and XXXX XXXX On XXXX XXXX XXXX. I did not apply for credit during this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of any accounts with XXXX Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good credit.
Product: Money transfer, virtual currency, or money service

My huntington bank will not allow XXXX XXXX any communication although I have agreed please fix this on my account. My number isXXXX
Product: Debt collection

I Received a debt collection letter from ConServe XXXX XXXX XXXX XXXX XXXX, NY XXXX Tel : XXXX XXXX on XX/XX/2023 The letter states I owe XXXX XXXX XXXX XXXX {$530.00} On XX/XX/2023 I notified ConServe that I am disputing the debt and I requested a debt verification / validation letter. 
I received photo copies of vague account information, payment transactions. and a list of dates. 
They have not provided me an original contract with XXXX with my signature. 
They have not disclosed when the account became delinquent They have not provided proof the company is licensed to collect debt in the state of Texas. 
Associates have been calling me repeatedly and demand that I verify my Date Of Birth and zip code and personal information. 
I hope you can contact ConServe and resolve this issue for me.
Product: Debt collection

on XX/XX/year> at XXXX, the collector called and hung up when I answered the phone. 
on XX/XX/year> at XXXX, the collector called and hung up when I answered the phone. 
on XX/XX/year> XXXX, the collector called and hung up when I answered the phone. 
on XX/XX/year> at XXXX XXXX, the collector called and hung up when I answered the phone. 
on XX/XX/year> at XXXX, the collector called and hung up when I answered the phone.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Credit reporting or other personal consumer reports

XXXX XXXX alleged account # XXXX XXXX XXXX alleged account # XXXX XXXX XXXX  alleged account # XXXX XXXX XXXX  XXXX  XXXX account XXXX XXXX I sent a letter over 35days addressing these alleged accounts. Reporting agency has not responded, provided any proof from companies reporting these alleged account ( FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer ). They've furnished invalid erroneous accounts without 1st investigating. The FCRA is clear on its procedures and these agencies must be held accountable.

Under FDCPA 15 U.S. Code? 1692e.False or misleading representations- ( 8 ) They allowed this debt collector to violate my right.. I disputed these items inaccurate over 35 days ago and you havent notated is as disputed. Which cause me to lose out on housing due to reporting this inaccurate item and not notating it was disputed.

The items above should all be removed from my consumer report under 15 USC 1681s-2 ( 3 ) and 15 USC 1692e ( 8 ) violations.

They're supposed to add notice within 30 days not 1 day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closely monitor my credit scores. I have seen over years that my score on Expierian is XXXX to XXXX points below XXXX and XXXX. 

Experian promotes using their XXXX program to improve your score. This program uses access to non-credit accounts including XXXX, checking and savings to give Experian a more complete picture of a persons financial health. It is voluntary and free. However I do believe there is coercion involved from Experian to encourage using the program. 

Several years ago prior to buying a new home, I engaged XXXX and found that over a couple of months my Experian score was reporting the same XXXX to XXXX range and the other agencies. After I completed my home purchase I disengaged XXXX and my Experian score dropped back to the high XXXX to XXXX range where is has remained. 

My credit has zero late payments, low to moderate credit usage and a low percent of available credit used. Basically my credit history is perfect. 

I assert that Experian has a practice of artificially lowering a credit score to coerce a client to provide data to which Experian has no business seeing. They have designed their score algorithm to punish consumers who do not volunteer the added data. 

If my assertion is correct, the program should be shutdown. I would like to see it investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX Balance : {$48000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3500.00}
Product: Credit reporting

I have continuously tried to leverage with Equifax. Equifax advised me that they are only reporting what XXXX is reporting and they had no desire to hear me out as a consumer and continues to report this information on a regular basis. I have contacted XXXX directly on XXXX/XXXX/15 and have had no response thereafter. How is it that Equifax can verify the data but I ca n't get in contact with anyone regarding the matter. I have also sent verification reflecting the inaccuracies in the amount due and the date of payment which would reflect the account was laid prior to collections. I want this information removed from my report.
Product: Credit reporting or other personal consumer reports

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The persistence of these fraudulent items is unacceptable and necessitates immediate, effective action. Each attempt has either been ignored or inadequately addressed, resulting in the continued presence of fraudulent items that undermine the integrity of the process.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 Balance Owed : {$0.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **** Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2024 XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Hello, On XX/XX/XXXX I purchased two racing experiences from XXXX XXXX XXXX  each costing {$320.00} One for my husband XXXX and my son XXXX. We had a scheduled race on XX/XX/XXXX. XXXX had a rain event and the race was cancelled. A new race was then scheduled for XX/XX/XXXX by the company. Just shortly before that race we were informed it was cancelled due to the tracks race schedule. They sent an email that said our booking was secure through XXXX. Yesterday we checked the schedule for fall. They only come to XXXX twice a year. Our search revealed they shut down operations in XXXX and did not inform us in anyway. My husband found the information on XXXX. All communications are now unavailable. We immediately call our credit card company. ( Chase ). We asked to file a dispute. They said no because of the dates and made it clear that we have no recourse. Quote : I dont want to give you false hope so its best if you know there is no way you will get this money back. 
I have screenshots of all communication and documents that I will upload to you. Thank you in advance for your help in this manner. 

Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I received an offer from XXXX XXXX about a debt that I owed to XXXX XXXX XXXX. I was told if I paid the required amount that the debt would be removed from my credit file including the balance that was being reported by XXXX XXXX XXXX. I paid the balance and XXXX XXXX did in fact deleted the negative entry off my credit. However, XXXX XXXX XXXX still refused to delete this account off my credit. I called XXXX XXXX XXXX on many occasions and I was told that they are no longer reporting this account. I was told to put file a dispute and send a copy of my credit report showing that they are in fact still reporting negatively on my credit and the account would be removed but they failed to do so. XXXX XXXX XXXX continues to report that I failed to pay even after the debt was settled with XXXX XXXX. The last report date was XXXX, XXXX.
Product: Debt collection

This complaint stems from a debt that I have contacted this company to settle the debt for a lesser amount than original. The company in question is Professional Credit Analist-Minnesota, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( XXXX ) XXXX. I contacted XXXX and we had come to an agreement after several calls on or about XX/XX/ thru XX/XX/2019 to settle from {$2100.00} down to {$1400.00}. I borrowed money from XXXX XXXX XXXX XXXX to repay this debt and then I asked for a balance sheet and address for my Credit Union to remit the check. The Manager ( XXXX ) at  Professional Credit Analist-Minnesota would not send any paper work to either myself or the Credit Union so we had a document stating what we agreed to pay for settlement. The Credit Union Manager tried repeatedly to contact the Manager ( XXXX ) and did not receive a call back. The Credit Union would  not remit payment for agreed amount with out the statement. I did not feel comfortable paying this company without assurance that this would complete. I feel it is his responsibility to give me an agreement sheet and he did not. I did my best to resolve this issue and it is still affecting my credit score and my life. This has been in limbo for more than a year and I need some assistance please. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. 
XXXX XXXX, Mn. XXXX
Product: Checking or savings account

I've had it with square! They literally go out of their way to provide no service of any kind. There's no immediate or live super by phone. It's almost impossible to navigate help on the app and what's finally possible to, they come up with excuses as to why they don't want to help. They used an excuse of a time lapse as to why they'd not help, sighting a 60 day rule which was embedded into their impossibly lengthy read terms and conditions, knowing that 99.99 % neither have the time nor energy or legal knowledge to decipher their abandonment of responsibility masquerading as items of use. I informed of a merchant dispute I have with XXXX in which my items were never delivered, and they refused to help. I want my money now! Shame on you for being yet another thieving corporations stealing from the very people you're supposed to serve.
Product: Consumer Loan

American Honda Finance has reported incorrect information to XXXX, has agreed with me that the information on my credit report is incorrect and has told me on numerous occasions that it would be corrected. To date, it has not been corrected, and it is hurting my credit. 
American Honda Finance has reported that my account was paid in a settlement, and that {$220.00} was written off. Numerous Honda Recovery service agents have verified for me this is incorrect, and that my account should read. Account Paid in Full. Account Closed. 
Also payment history shows a charge off in XXXX 2015. There was absolutely no activity in my account in 2015. Nothing was charged off in 2015. This should be changed to ND for No Data. My account under Account History reads Charged off as of 2015. This is incorrect and should be deleted. There are XXXX False items that need to be deleted/corrected. Thank you for hearing my case. I appreciate your time.
Product: Debt collection

A prior complaint against Diversified Adjustment with CFPB resulted in the company responding and saying they agreed to delete the collection from my credit report and not report it again if I paid within 15 days. They deleted and I paid. This morning I received an alert that Diversified Adjustment had added the collection back to many credit report dropping my score 32 points. Please fix this.
Product: Credit card or prepaid card

I had contacted CapitalOne in regards to my credit card being closed without my knowledge, i have a credit limit of {$900.00} {$500.00} of which was used as security. 
I have called numerous times and they say only we will investigate, as of now my credit report shows they closed the account and my credit score has been affected. I do have another credit card that doesn't have a security deposit that has not been closed. 
They know this is some kind of glitch in there system but they have not reported on my credit report.
Product: Credit card

I was given an a car rental estimate for {$370.00} for XXXX. XXXX was not transparent and forthcoming with its undocumented fees and taxes. 

I was charged {$440.00} ( an excess of {$71.00} ) due to undocumented fees. It is my believe that XXXX does this to quote users lower than advertised car prices, then to levy undocumented fees and taxes to its users. 

Chase would not dispute this overcharge.
Product: Debt collection

Correct the errors on my credit report immediately by deleting the late dates of the disputed items as mandated by the FCRA. Despite my multiple attempts to resolve this issue, your failure to respond appropriately is a clear violation of the law, and I demand prompt action. The FCRA provides penalties for non-compliance, and I expect you to rectify this matter without further delay or face legal consequences. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$1800.00}. Please update ASAP.