23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I cancelled my XXXX XXXX XXXX  bill in I believe either XXXX or XXXX when I decided to switch providers. I paid the bill in full upon cancellation, yet continued to receive monthly bills. I got another bill, called and made confirmed it was cancelled and paid. I continued to receive bills, and tried cancelling multiple times, but they never shut off the internet, and continued to bill me for service that was cancelled until I stopped paying them. I disputed this bill and had it removed from my credit history as they never showed proof. I've started seeing collections on my credit this last year for what appears to be the same bill, even though it should be after the statute of limitations. I actually believe the statute of limitations would only be 2 years since I signed up verbally over the phone.
Product: Credit card or prepaid card

On XX/XX/XXXX I've placed an order with XXXX for the amount of {$670.00}. During the check out online, I initially tried to use my Chase VISA XXXX to pay the due, however, the card was declined with the customer support phone number posted above. Which I've called. XXXX 's representative XXXX XXXX told me that I should try once again and if the card won't go through, I should try another payment method. I've brought to her attention, that nevertheless the check out wasn't successful I see a pending charge for the amount of {$670.00} on my Visa XXXX account. XXXX XXXX assured me that the charge either won't be posted or if it would be posted I should expect a credit for such amount issued to my account from XXXX. So I've tried my XXXX XXXX ending in XXXX and successfully check out ( SEE ATTACHED ). Then I've received a confirmation email with an XXXX shown as a payment method ( SEE ATTACHED ). Nevertheless, couple days after I've noticed that the charge had been posted on my VISA XXXX account so I've waited couple more days expecting a credit to be issued, which never been placed into my account. 

After calling XXXX via XXXX I was told to expect a call from a supervisor officer to my XXXX cell phone number who assist me with this situation further, which I've never received, therefore I've filed a dispute, which had been rebutted.
Product: Bank account or service

I was a customer of Scottrade. Scottrade was hacked over two years ago and has done absolutely nothing to help. The identity theft insurance provided by Scottrade does n't work ( the phone number and sign up page will not access my information ) and even if it did work it is only for 1 year and is not retroactive. 
Scottrade was hacked over two years ago and Scottrade thinks it is appropriate to provide 1 year of NON-RETROACTIVE identity theft insurance that leaves a two year gap, where customer are uninsured and have potentially dealt with very serious cases of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting Account XXXX : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am a real person. I am writing to you in regards to the XXXX XXXX XXXX such as Experian, XXXX and XXXX reporting incorrect information on the credit reports. I have my rights protected under the Fair Credit Reporting Act and the 15 U.S.C. 1681. I have been trying to remove wrong invalid addresses from my credit reports, sent letters and called numerous times and asked Experian, XXXX and XXXX to remove wrong and undeliverable addresses from my credit report. I am missing important mail and I don't need these addresses reporting and I don't want ANY of my mail to go to any of the addresses by MY CURRENT ADDRESS. My current address is : XXXX XXXX XXXX pl XXXX, XXXX, VA XXXX. I will attach supporting documents, my bank statement and my recent utility bill to provide evidence. Please help me resolve this issue. The only address that MUST BE REPORTED IS MY CURRENT ADDRESS : XXXX XXXX XXXX pl XXXX, XXXX, VA XXXX! According to the FDCPA 15 USC 1692g the bureaus have to report XXXX percent accurate information. 
Please remove the following addresses from my credit reports : XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. 
All these addresses are incorrect and not deliverable and must be removed from my credit report. I will attach supporting documents and my credit reports.
Product: Credit reporting or other personal consumer reports

Equifax every other month they keep removing my XXXX Account. 

Equifax blame them saying they removed it which isnt true. Why does this problem happens only on Equifax. 

My XXXX credit card ending in XXXX is removed.
Product: Credit card

I have and apple credit card, and for the past few months when i have used any of my apple devices to purchase a 1 game, they would double charge me. I have called in several times and they claim it was group billing and I made the charges. I advised them that I check my purchases every day and document each purchase but they claim thats how their system works. I decided to start using my other devices that are not apple and make my game purchases that way. I do not ever get double charged. On XXXX i checked my apple credit card balance, as i usually do and it stated that my balance was XXXX, including 3 game purchases made on my apple device on XX/XX/. I have cash back on my apple credit card and i was trying to use that amount to purchase 1 game that cost XXXX, and then i got a notification that apple charged me XXXX. Before i called apple, i added up all my charges including the balance from my last credit card statement and they all add up to XXXX. I called apple on XXXX and advised them once again, that i made 1 purchase and i was charged XXXX, when i was trying to use my cash advance. They stated that its group billing from the previous days charges, and i explained that, my card shows that amount already deducted. The proceeded to tell me that I needed to remove the game because the game is the issue, when i can use another device thats not apple and i dont double billing issues. I advised that they need to credit me back the double charge and they put in a request, well the request was denied. In the past when they were double billing me, i let it go, and in the past i ended up paying an extra XXXX that i didnt owe but i paid it. This me I am no letting the issue go, i want my refund of XXXX cents that apple owes me. Currently, I will either buy an apple gift card or only use apple for store purchases/bills because thats the only time i dont get double billed, but if i am purchasing an online game using an apple device, i get double billed. I have started making screenshots of my apple balance before i make any apple purchases because Im afraid they are going to continue to double bill me. I would like this addressed immediately.
Product: Checking or savings account

Ive been a victim of a scam. I saw an ad for an apartment on XXXX marketplace which has been reliable in the past. But I applied for the apartment the landlord said I had to pay first months rent and security deposit prior to seeing the apartment. So I did and then he has me wait a week then says I have to pay second months rent before seeing it as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

It had come to my attention that Trans Union was violation of FCRA ( 15 U.S. Code 1681b ) -Permissible purposes of consumer reports, by furnishing a consumer report without my written permission. Information on that report was also inaccurate ( XXXX XXXX XXXX, and XXXX XXXX XXXX ) which i disputed. I was informed the debt had been reinvestigated and validated, meeting FCRA requirements, which is completely false. Which is a violation of ( 15 U.S. Code 1692d ) - Harassment or abuse ( 1 ) ( 2 ) and ( 4 ). I called Trans Union multiple times to no avail. No help, and rude customer service which is also a violation of ( 15 U.S. Code 1681h ) - Conditions and form of disclosure to consumers. Section ( c ) Trained personnel Each violation is regulated by the FCRA with a remedy amount ( 15 U.S. Code 1681n ) - Civil liability for willful noncompliance
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

I've made two attempts via the XXXX  dispute process to resolve this matter, the most recent being XX/XX/XXXX. XXXX XXXX and I had a dispute over the amount of a larger bill that also included this bill of {$28.00}. Once resolved, payment was made to XXXX XXXX on XX/XX/XXXX. I have not received any written attempts from Professional Adjustment, Corp of SW FL Inc. to my knowledge requesting payment. I only noticed the erroneous collection, reported to the credit bureau, on my credit report. I have provided proof of payment and the above information to XXXX  who has stated that Professional Adjustment , Corp of SW FL Inc. has reported that the collection was correct. 

I have not been delinquent on any bills over the past 20+ years, let alone one for {$28.00}. My credit score ranges from XXXX depending on the credit reporting agency and report date. To have an erroneous delinquent credit collection on my report is negative and the company has not proven that I owe money to them. I have proven that I don't, but XXXX  have not taken this off my credit report. This complaint is both with Professional Adjustment , Corp of SW FL Inc. and XXXX  Credit Bureau, but I didn't want to waste CFPB time by making two separate reports for such a small amount.
Product: Debt collection

McCarthy , Burgess & Wolff Debt collection company has continued to call after being informed that my phone number is not associated w/the debt in collection. 

In addition, the calls are fully automated w/no option to be connected to an agent or other cognizant individual. Call-back to a different number is required to engage at all. Even if this is n't against policy, it 's obnoxious - especially since the debt being pursued is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX - XXXX XXXX XXXX /account number XXXX XXXX XXXX XXXXXXXX number - XXXXXXXX XXXX XXXX XXXXXXXX / account XXXXXXXX XXXX XXXX  / account : XXXX XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX account : XXXX XXXX / account XXXX XXXXXXXX XXXX XXXX XXXX / account : XXXXXXXX XXXX. Account : XXXX XXXX XXXX XXXX / account : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a mortgage loan with XXXX on XX/XX/XXXX. The residence was sold and the loan was paid off in XX/XX/XXXX. In XX/XX/XXXX, I received a package in the mail from XXXX XXXX who wanted me to sign and return a document about the loan. I told them that this is fraud and the loan has been paid. 

In XXXX, I applied for a building loan and was denied because XXXX and XXXX are still listed on my credit report showing late payments that can not be attributed to me, as the loan has been paid by dates shown on the report. 

I sent a Release of Mortgage to TransUnion to prove that the loan was paid. An investigation was completed. Proof of the release of mortgage is attached to this complaint. 

XXXX is unreachable and XXXX insists that I still have a loan with them. In TransUnions investigation it clearly states that the account balance is XXXX, and the accounts are closed. However, This loan still shows up on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account number : XXXX Account Name : XXXX XXXX : Account number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX : Account number : XXXX Account Name : XXXX XXXX : Account number : XXXX Account Name : XXXX XXXX  : Account number : XXXX Account Name : XXXX XXXX : Account number : XXXX Account Name : XXXX : Account number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I received the check from Bancorp bank the balance of my achieve prepaid card balance. I received this initial check from them back in XXXX of 2022. I tried XXXX, Check cashing entities and got no where. I sent the check back and they reissued another check. I tried to deposit the check in my XXXX prepaid card account and they declined it with no explanation. I have called them several times and have gotten no answer of why they wont cash the check. This process has been almost a year!! I need my money the check is for {$2100.00}. I need the money and the money belongs to me. I don't want to have to send the check back again.!! Please help me get some resolution to this issue as I have bills to pay and its rightfully my money. XXXX  is also a Bancorp entity.
Product: Payday loan, title loan, or personal loan

I had lost my good paying job several months ago. I informed the company that I would be struggling to pay the loan payments once I started my new job with lower pay. They said ok. Since then though I have gotten phone calls almost every day, sometimes even two or three in the same day. They have been told to stop harassing me, and that they were not allowed to keep calling me so often. Sometimes I will answer or call them back to discuss my account, but they will CALL AGAIN, later on in the day about the SAME issues that we discussed earlier in the day. Today I go to check my mail and there was a HAND DELIVERED letter in my mail box from the company. They have harassed me too much. The more they harass me, the LESS I am willing to work with them, or to fi d a way to continue my payments as normal. Harassment is a crime and they need to learn it
Product: Credit reporting or other personal consumer reports

The collection agency is blaming you and you are blaming them. I have not gotten any results with your actions. I will like for you to investigate this matter to the full extent. Read the documentation I have attached.15 USC 1681 states, " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' Yall both are participating in this allegation, and I want to have my attorney general involved if you don't honor the law. You understand that the lenders depend on you for accuracy according to the law being stated and by your errors, its undermining the public confidence such as banks and apartments. I can not move due to your carless errors. This account remains inaccurate after every dispute investigation which means in the investigation of XXXX are not performing very well and are not lawful. You are supposed to contact neighbors and other sources to verify the debt. I am wanting to know when are yall going to own up to mistakes and pay me and delete the account. I have attached the collection agency statement about your actions and the credit reports before and after investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the USDOE/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due and this incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as to remove these lates however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX, XX/XX/2023... I received. text notification that an unauthorized person is using my personal data to open a Credit Karma account tonight!!! I Do NOT use Credit Karma!!!

I've made several attempts to contact Credit Karma just as they have specified on their website and information page to file a complaint. Well their email is incorrect, it bounces back to my email as undeliverable and does not take any inquiries or complaints to file. The email that I sent bounced back as not delivered and there isn't any other customer service number to call nor contact and no one to talk to speak with for me to shut this account down!!! Attach are my screenshots from their site of their unsafe business practices.
Product: Debt collection

I received a letter from collection Agency ERC that I have a debt with XXXX for the amount of {$890.00} but that they reduced it to {$440.00} I have never had a XXXX account and if there is an account under my name it must be identity fraud. 
Reference number on letter I received XXXX