23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX I got a letter in XXXX  from XXXX XXXX XXXX XXXX in the amount of {$500.00} I've called several times and was able to get a hold of someone who spoke XXXX and mentioned that this account didn't belong to me as the Name and address did not match, this was removed on XX/XX/ and then 28 days later on XXXX XXXX I noticed that there was a new Collection from Midland Credit Management, for {$500.00} I have tried several times to contact and finally got in contact with them they mentioned that I due owe this amount, I've asked for proof in writing and I get nothing back, yesterday XXXX XXXX I got a letter stating I owe {$460.00} how is that possible? And on my credit report it showes I made a payment of {$38.00} on this account? I do believe that this is fraudulent can no one tell me where or how my payment was made. I'm reaching out to get this resolved because it's effective my overall health of life, my credit score has dropped significantly that I can't even apply for any line of credit. Please HELP
Product: Credit card

City bank w charged me {$600.00} intrest on {$1900.00} credit card balance, no explanation on any reason for that
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ...

I have already disputed these items, but the bureaus did not remove them nor prove validation. 

XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Checking or savings account

I try to open an acct and it want let me says they can't verify my identity I look on XXXX and there's a bunch of inquiries thT I didn't do
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER BANK IS REPORTING DELINQUENCIES OF 30 AND 60 DAYS ON MY CONSUMER REPORT. IT HAS DAMAGED NY CREDIT SCORE BY   XXXX   POINTS.
I CALLED THEM AND THEY SAID THERE ARE NO SUCH ITEMS BEING REPORTED.
HOW DOES THIS GET FIXED? THE   XXXX   BUREAUS SHOW IT. DISCOVER SAID IT IS N'T SO.
Product: Credit card or prepaid card

On XX/XX/XXXX, I ordered several items from XXXX 's XXXX using my Synchrony Bank card. This order was broken into 3 shipments. On XX/XX/XXXX, one of the shipments was damaged in transit & returned to shipper. I called XXXX 's XXXX on XX/XX/XXXX to cancel it, since there was no indication of a new shipment. They told me their system would not allow me to cancel, & I told them I would refuse it unless it arrived in a few days. On XX/XX/XXXX, I called Synchrony at XXXX to dispute the total of {$57.00}. And, they opened an investigation. A letter dated XX/XX/XXXX arrived stating that all items were delivered, so I would have to pay. Two of the shipments did arrive, but the 3rd one ( for {$57.00} ) was delivered to somewhere in Texas. They sent me the XXXX printouts of all three shipments which clearly showed one delivered to Texas. The letter gave a phone number to call ( XXXX ) if I still wanted to dispute charges. You get a recording and can only leave your name & number. They promise to call back in 2 days. I called 4 times over a 2 week period. No one ever called back. I had also replied to their email asking if was satisfied, saying I was NOT. They did not respond. On XX/XX/XXXX, I called XXXX again. I told them I wanted the {$57.00} refunded plus finance charges on that amount. They told me they could not give me finance charges, but would refund the {$57.00}. I agreed, reluctantly. Later that day, I received an email stating that they would refund {$21.00}. They also requested that I return the items. I DON'T have the items. I simply can't deal with them anymore. While I did pay my last bill 2 days late, I paid all but the {$57.00}. Now, I want the entire refund - including finance charges. In all, I placed 7 phone calls to resolve this. Besides being inept, giving the phone number in the letter is a deceptive business practice which I believe is just meant to discourage any further action. I have recordings of all my calls, but not sure how to send them. It is so frustrating that they don't read their own documentation, that they won't refund finance charges, & that they use a bogus phone number for customers to call. This is unacceptable.
Product: Student loan

I called Mohela about my parent plus loans to see about loan forgiveness status put on hold sent to representative XXXX asked if my loan had to be consolidated to qualify. She said yes and asked some questions told me it would cost {$790.00} to do this. Said I needed 2 weeks paystubs and XXXX form. Had me go to my FSAide acct change my password so they could do the paperwork. I faxed forms they asked and have heard nothing. I tried to call the number see gave me if I had questions. It is no longer in service. I called Mohela today when I got a letter stating they were carrier of loans and need to start repaying XX/XX/23. I'm think why is it showing 3 loans and no consolidation. Representative said we don't charge and have no record of you being transferred. I said I was and what transpired. She told me to call XXXX to see if they had can acct for me to see if legit or scam. They said can see they are processing consolidations buy not my server and couldn't help me about the fee charged. I was told should not of been charged. My bank statement says XXXX XXXX {$790.00}. I am going to call then tomorrow about who took money if they have address or number. I was told to report here and change my fsaid password. I still need to call student.gov to report this also. I can't afford to lose {$790.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt make this credit inquiries. This is affecting my credit scores. This is a mistake. Please investigate this and erase this from my credit report. I called all this companies and they didnt solve the problem INQUIRIES : 1. XXXX XXXX XXXX/XXXX/XXXX 2. XXXX  XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4.XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX XXXX/XXXX/XXXX 8. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX XXXX/XXXX/XXXX
Product: Checking or savings account

I have received 2 emails from Chime. One welcome email and an email stating that someone has logged in to my account from a new device. I ignored it because information was missing from the second email regarding location and type of device that logged on. The next day I receive another email, stating my card is on the way and is being delivered to an address that I am familiar with. Its an apartment address I used to live at but its a different building with no apartment number. That raised concerns so I called the company to report fraud. The first two times I called, I got a busy dial tone which was concerning but I go through on the 3rd time. The lady I spoke with couldnt verify me without my DOB and last four of social. I kept trying to explain that she doesnt need that information to locate an account that is using my email address. She insisted on it and I wouldnt budge and tried to explain that it wasnt me that opened the account so I dont know what birthday or social they listed, all I know is that my email was being used. I told her to search for the email and she said that doesnt exist in their system and again was adamant about my personal information. I hung up the phone and XXXX searches my situation with Chime and saw that others have been through this, which is absolutely crazy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was open XX/XX/2013. I have paid as agreed and have held the title for some years now. It appears as a write off, inaccurately. I am requesting this adverse account be removed from my report. It is paid in full as agreed. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX The profile has my entire info but it shows many small errors that Make it seems like it's me And its creating a big Problem that's affecting me.

There's Loans and Credit Cards Under my name I didn't Get, the address matches mine, even my last address but my date of birth is different for 1 year but in the SSN the last 4 matches my last 4 ITIN number. 
A credit line I had just closed my account without giving me any explanations.
Product: Debt collection

they are showing a balance of XXXX that is inaccurate please delete
Product: Payday loan, title loan, personal loan, or advance loan

Acima has engaged in deceptive practices, including unclear lease terms and undisclosed fees, which harm consumers and violate fair lending standards. I urge the CFPB to investigate and address these violations to protect consumer rights.
Product: Credit reporting or other personal consumer reports

I noticed XXXX XXXX XXXX XXXX  ON MY CREDIT REPORT A WHILE AGO. Disputed several times with all documentation. XXXX lacks communication and shows severe neglect. All they have done is update the account to current each moth instead of blocking and deleting. My next step is litigation Im well aware of the XXXX ongoing law suits going against them for their neglect and malpractices I wont hesitate!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US Department of EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


15 U.S.C 1681 section 602 A states I have a 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with Experian and XXXX to report proper history for 3 student loans that they continuously report late for months that were in forbearance. My wife contacted the student loan people directly and they confirmed there should be NO late payments reporting for the year XXXX, XXXX nor XXXX and if one call can confirm this why haven't either one of the companies made that call or even asked for the paperwork? I have been working on this since XXXX and have yet to get them to fix the mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Capital One in regards to incorrect information on my credit report and they have not investigated my dispute. I have asked them for documentation on this account and have yet to receive it. They are reporting multiple inaccuracies, each credit bureau is showing different information. For example XXXX is showing date of last activity as XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. They continue reporting incorrect information on my report.
Product: Credit card or prepaid card

Citi Credit Card AAdvantage Platinum Select- Credit card cancelled my card and filed a complaint on my credit report after paying the amount past due. Amount past due was for a yearly {$100.00} fee to be a card member. I was never made aware of the cancellation nor the report on my credit.
Product: Credit card or prepaid card

A {$29.00} late fee has accumulated to nearly a {$200.00} in extra fees on a 18 month- DEFERRED INTEREST XXXX   XXXX  credit card loan. The additional fees make no sense. But they do smack of the insidious and greedy pattern that banks have practiced forever. Some 20 years ago, California and indeed nationally, most banks got busted for this kind of activity. And halted it when the law came down on their heads. 

Barclaycard is trying to initiate the same sort of semi-legal, sneaky and wholly unethical practice yet again.

Here are the details : I purchased a computer at XXXX  with a Barclaycard XXXX  XXXX  credit card which had ZERO interest for 18 months in XXXX XXXX. The 18 months interest free period will be up on XX/XX/XXXX. I called today ( XX/XX/XXXX ) today to pay off the credit card loan. The amount Barclay Card claims I owe is {$190.00} more than I owe. 

I signed up for the card in XX/XX/XXXX. I purchased a computer, which didn't have the specs I wanted and was returned. I purchased another computer in XX/XX/XXXX. 

I borrowed {$2000.00}. I paid the minimum amount toward that purchase, which was {$27.00} per month, later it was increased to {$29.00} per month. I set up an automatic payment soon after I got the card. Total amount I paid was {$530.00}. 

I should owe {$1500.00}. Barclaycard Manager, XXXX ID # XXXX claims that I owe {$1800.00}. That's {$190.00} more in extra fees. The Barclaycard Rep said that there was a late fee in XX/XX/XXXX for {$29.00}, on the first auto payment. They were authorized to charge my Chase Bank Visa card. I didn't send in payment. It makes no sense that there would be a late fee, period. 

Barclaycard Manager XXXX claims that the {$29.00} late fee has accumulated interest of 13 % totally {$6.00}. It makes no sense how those fees added up to {$190.00} in extra fees. 

I've called Barclaycard customer service many, many times. I remember I called several times because the amount that the auto recording claimed I owed, was more than the amount I owed. I spoke to a customer service rep who looked into it and told me that the amount the auto recording claimed I owed was wrong. He said not to worry about it.
Product: Checking or savings account

A deposit was entered as " goods/services '' instead of " friend/family '' they assumed I was a business, I am not. They frozen the account. Then permanently suspended the account and are holding my funds for 180 days. Im a XXXX XXXX  XXXX  that has had the account for years and live on fixed income. Would like my funds released and account closed. I no longer wish to do business with such an outfit. I was in banking for 25 years, this is unheard of.
Product: Credit card or prepaid card

We are not sure why we are being charged Finance Charges of {$20.00} by Kohl 's Credit card ( operated by Capital One, N.A. ) We returned defective orders # XXXX, XXXX, XXXX. Total credit for the defective gift card return was to be {$1000.00}. 

XX/XX/XXXX XXXX # XXXX {$300.00} XX/XX/XXXX XXXX  # XXXX {$300.00} XX/XX/XXXX XXXX  # XXXX {$400.00} The defective gift cards were returned via XXXX Tracking XXXX XXXX XXXX on Friday XX/XX/XXXX XXXX XXXX   and signed for by XXXX XXXX, XXXX Tracking XXXX XXXX XXXX on Monday XX/XX/XXXX XXXX XXXX and signed for XXXX XXXX XXXX & XXXX Tracking XXXX XXXX XXXX on Tuesday XX/XX/XXXX XXXX XXXX and signed for by XXXX. XXXX. 

We were instructed by Kohls.com customer service several times to mail back the items and the damaged packaging. 

We have notified Kohls ' and Capital One, N.A. numerous times about the disputes as required. We have called and mailed letters to Kohl's/Capital One, N.A., XXXX XXXX  XXXX, XXXX, WI XXXX. We have heard nothing from Kohl's/Capital One, N.A as of today.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 


As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry listed below is fraudulent and is being reported on my equifax credit report which is against the law. 


Fraudulent Inquiry Equifax XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I trust this message finds you well. I am reaching out urgently to address a serious issue regarding fraudulent inquiries that have emerged on my account. Despite my persistent efforts to resolve these fraudulent inquiries, the matter remains unresolved. These inquiries are fraudulent and have caused me significant concern and uncertainty regarding the security of my account. I want to highlight that I have taken the step of filing a report with the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries, underlining the severity of this matter. Despite my diligent efforts to address the issue, the fraudulent inquiries persist, which is deeply troubling. I kindly request that your team takes immediate action to thoroughly investigate and remove these fraudulent inquiries from my account. I expect a swift response detailing the specific steps your company will take to address this fraudulent activity, along with a clear timeline for the removal process. Additionally, I urge you to conduct a comprehensive review of your inquiry tracking systems and security protocols to prevent similar fraudulent inquiries from occurring in the future. Ensuring the integrity and accuracy of customer information is crucial in maintaining trust and confidence in your services. Failure to resolve this matter satisfactorily may require further action on my part, including seeking assistance from regulatory authorities or legal counsel. However, I am optimistic that with your cooperation, we can resolve this issue efficiently and amicably. Thank you for your immediate attention to this urgent matter. I await your prompt response and action regarding these fraud items in my credit file : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hard inquiries debt collection XXXX XXXX  etc
Product: Debt collection

Medical provider for my daughter referred a {$540.00} debt to I.C. System XXXX XXXX XXXX. I.C. System will only accept payment by credit card if it is processed through " XXXX, '' which charges a {$30.00} fee to process the payment. The effect is that it charges debtors a {$30.00} fee in order to pay their debts. My understanding is that this violates XXXX XXXX XXXX ( XXXX ).
Product: Credit reporting or other personal consumer reports

My credit score is being affected by a charge made by XXXXXXXX XXXX XXXX XXXXXXXX after the fact I paid all my debt with them and made a payment XX/XX/XXXX. I was told I would receive a letter stating I paid off the debt. I never received a letter or notification about this or any other payment that needed to be made. After contacting the consumer financial protection bureau, the head of the total loss department XXXX XXXX XXXX XXXX, XXXX spoke to me over the phone on a recorded line and also mailed me saying that the credit situation was fixed, that after further investigation the account had been fixed, closed and the balance was paid in full yet I am still seeing a month or two later a late payment once again being reported from them. My credit continues to be affected and they continue to say I owe them money, which I dont
Product: Debt collection

Hello, and Please help! I'm not sure where the breakdown is, but : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze be on my XXXX XXXX report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished Lexis Nexis regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX OLD XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX
Product: Vehicle loan or lease

Hi I have been trying to come to kind of agreement with Santander I am sick this is preventing me from doing anything with my life these people say that when the car got repossessed it had damages etc and that was not true and they could not prove it and added more money to what it actually is the only reason I didnt keep this car its because of the fraudulent dealer I got it from called XXXX and they had agreed to pick the car back up. Please help me