23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The woman I talked to was rude! I simply asked where the debt was coming from. All I had was a statement not from who it was from. I know it 's medical related, but I did n't know from where so I could n't deal with the situation. I talked to my insurance and they said I needed certain information in which the lady could n't provide me with it. I think if you 're trying to collect then you should do a better job!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received updates from XXXX and my credit score shows on XXXX XXXX, same day received update from Chase Bank that my score on XXXX  is XXXX which is obliviously incorrect since they claim is from the same source. 
Chase Bank is modifying credit score to put customer in disadvantage when applying for credit or mortgage. I did re-finance my mortgage last year with chase and they used much lower score for my application then what was on all 3 credit bureau. 
Also they pulled my credit report twice and now that has big impact on my credit ability. I have contacted them to remove second inquiry and they wouldn't do it This practice will cost mu thousands of dollars for the time remaining on my mortgage, someone needs to investigate this practice, Im not expert but believe this is against law and violates consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid TransUnion for the credit monitoring and identity theft program and since I have made the payment I can not log in. I tried calling and the only way to speak with someone is of I use the business options or the future business options and they send me back to the consumer side which doesnt allow me to talk with anyone nor does it let me send a message of any kind to get my problems taken care of!!!! This is absolutely ridiculous that as a consumer I have no support but if I was a business or partner I would be no problems getting support this is fraud and a form of discrimination against me because Im not a bussness and the fact that consumers are the ones that keep business open and pay their checks in a since we as the consumer should be more protected than the businesses that are preying on their own customers
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX XXXX, I work for the XXXX XXXX XXXX XXXX XXXX. I have been XXXX to XXXX, XXXX, XXXX, XXXX, and XXXX XXXX since 2019. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX has violated my rights. I have never had an account with this company. 

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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous disputes regarding the removal of several inaccurate and invalid negative accounts from my credit report. Despite XXXX promptly resolving the matter by removing all the disputed items, XXXX and Experian have yet to take the necessary action. Your continued failure to comply with my rights under the Fair Credit Reporting Act ( FCRA ) is highly concerning and disturbing.
Product: Debt collection

In XX/XX/2007, I moved to XXXX XXXX XXXX XXXX, a brand new apartment complex in XXXX XXXX, FL. I signed a lease for a year. My rent for my 1 bedroom was well over {$1000.00}. I think it was $ 120- {$1300.00} a month. Im a complete germophobe, which is why Im willing to pay over {$1000.00} a month for a 1 bedroomfor a new apartment. When I moved in, there were dirt marks and other unknown stains in the tub, on the toilet, and in the refrigerator. I complained about it to the leasing office, and the told me I could move apartments but Id have to pay a moving fee. I didnt think this was fair, so I moved out of the apartments within the same month, but I was hit with a {$4000.00} fee. 

Currently, National Credit Systems, a collection agency, in XXXX, GA has my account. Ive tried contacting them, but they refuse to answer simple questions. I called last week to resolve the debt and a XXXX XXXX answered the phone. She wouldnt let me get out a single word. She wanted to do all the talking. When I was able to utter a word, she hung up on me. 

What Id like to see happen is this debt fall off of my credit report or go to another agency because the current agency is unethical and volatile.
Product: Debt collection

I received a call from Commonwealth stating that I owed them money on a debt. I notified them that the debt was included in a Ch. XXXX bankruptcy and that they should n't be contacting me and they could contact my lawyer for verification if needed. The " adjustor '' transferred me to someone identified as their head legal counsel/attorney who told me that if I did not pay the debt within 72 hours that they will seek criminal charges and my wages, tax return and any income will be garnished as well as freezing my bank account. I informed this person that he could speak with my lawyer and was told " we do not speak with lawyers you can have a lawyer represent you in court. '' I received multiple other calls from then and in XXXX call " XXXX '' accused me of being unwilling to be responsible and pay my debt and said that I will end up paying over {$7000.00} now for their legal fees and criminal charges will be filed against me. I informed her that I knew that what they were doing was illegal and she yelled at me that it was not at which point I said to stop harassing me.
Product: Credit reporting or other personal consumer reports

They are three financial that are reported to my hard inquiries that i dont know nothing about, here they are : XXXX XXXX XXXX XXXX  that was reported on XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) that was reported on XX/XX/XXXX SYNCB/PAYPAL ( Bank ) that was reported on XX/XX/XXXX I would like to report this and get a report from the fraud department so I can be able to remove this from my credit profile.
Product: Credit card

I sell some personal property on XXXX from time to time. Recently, I sold a used phone. A customer paid in full for the phone and I shipped the goods. The transaction is completed. For reasons unknown, however, XXXX is keeping 60 % of the transaction value on hold for 30 days. Why is this legal?
Product: Debt collection

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

SYNTER RESOURCE GROUP, LLC XXXX
Product: Credit reporting or other personal consumer reports

The amount was agreed upon and paid however the balance does not show XXXX nor was it updated with the credit bureaus as such
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company a total of 4 times. Each time, the fraud department said that it was an accident and they would remove it from my credit report. Each of those 4 times, I've waited 30 days and the credit inquiry still stays on my account. I'm not sure what to do at this point. Someone in the fraud department says it will be removed, but it still isn't getting removed. This has been on my report since XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX CREDIT XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I can not get my credit report from Experian and Experian is preventing me from getting a copy of my free credit report from XXXX.
Product: Credit card or prepaid card

I received statement from XXXX XXXX XXXX for total balance {$3700.00} that I did not make purchase. I am living in XXXX, and the purchase was made at XXXX XXXX FL. As soon as I received statement, I called Saks to put on fraud alert. I was told the purchase was made via phone and it was under investigation, the representative told me someone will call me back, but 2 weeks passed by, nobody has called me yet.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question, associated with XXXX XXXX, is reported inaccurately and in violation 's of multiple sections of the FCRA. Please review the following details and take immediate action to correct these errors. 

Account Information Creditor : XXXX XXXX  Account Number : XXXX Reported to : XXXX, Equifax Inaccuracies and Violations Violation of 15 U.S.C. 1681i ( 7 ) - Method of Verification The account was reported without valid evidence of the alleged debt. I demand verification of the method used to validate this account 's information. The lack of sufficient evidence necessitates the removal of this account from my credit report.

Violation of 15 U.S. Code 1681e ( b ) and 1681i ( 5 ) - Accuracy of Report The reporting of this account fails to meet the standard of accuracy mandated by law. The information provided is not 100 % accurate, as evidenced by the inconsistencies in payment history and account status. For example, there are discrepancies in the date last active, date of last payment, and the payment history across different reporting agencies Unauthorized/Erroneous Account due to Equifax Data Breach This account may have been erroneously reported as a result of the Equifax data breach. It is imperative to ensure that the reported information is accurate and not the result of unauthorized access or data manipulation.

Violation of 15 U.S. Code 1681a ( 2 ) ( B ) - Exclusions from a Consumer Report Any credit transaction involving the use of a social security card is to be excluded from consumer credit reports. Please confirm whether a social security card was used in this transaction and remove the account if it falls under this exclusion category.

Payment History Discrepancies The payment history reported is inconsistent, with conflicting information on payments and dates last active. Notably, the two-year payment history is not accurately reflected, with unclear or missing data for multiple months Request for Action In accordance with the FCRA, I request the following actions be taken within the legally required timeframe : Immediate Investigation into the accuracy of the information reported. 
Deletion of all inaccurate and unverifiable information related to the XXXX XXXX account. 
Written Confirmation of the results of your investigation and any actions taken. 
Please consider this a formal complaint and investigation request. I expect prompt action and compliance with the relevant federal laws. 

Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Checking or savings account

I applied for a Citi Bank Account. I open the account XXXX months ago deposited {$25.00} And made a few purchases. I left XXXX XXXX in there. I got an email saying my account was closed before I got approved for my federal refund for my taxes. I be called refund advantage to tell them they said I had to wait for the check to be bounced since they closed the account. Well they never did send it back. So once refund advantage has sent an email stating that my refund was receive and XXXX days later XXXX get my money, I am waiting on Citibank to send them the money since they told me my account was closed. However I am still yet to get my money and the refund advantage team are confused because they request to ge the check sent bank from citibank but they are still waiting for a response from CitiBank! I have callled numerous times and I keep getting told multiple lies. One day its my account is not closed. Its just temporarily restricted, but nobody can give me access to nobody can even access to check and resend the check out thats XXXX mistake. Others are saying that I have to wait XXXX  days or XXXX days. The Account specialist Who is in charge of my account said that she can not do anything until she contacts another department. So I am given the run around but my money is in their bank. I had even got an email stating that my account was closed the same day. I got my email for my refund. I cant find it. Im trying to find it for proof, but I know this bank is not doing the right thing with my money. And they are doing something fraudulent by not closing my account and taken my money and telling me my account is closed and refused me access to my own money that they took and wont return to sender!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$4900.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Credit card

My Fidelity Rewards card 's statement generally arrives two weeks after the due date. As a consequence I was late paying for the billing period ending XX/XX/23. Having just returned from a month in XXXX, I only found out about it because they turned off my card without notification ( or statement ). I called to inquire and complain. They waived the late fee and blamed the USPS, but offer no suggestion or guidance regarding a remedy. 
I was late again for XXXX 's billing period. I place the same call, same complaint regarding the untimely statements, was once again told the blame lay with the USPS. they waived the fee. 
Today, same thing, same result, but they would not waive the fee ( {$41.00} ). At least this time the representative was helpful enough to walk me through their website to set up alerts to try and prevent a four-peat. 
I'm XXXX XXXX XXXX. Prior to geiing this card and another, my credit score was about 830 ( another sore subject ). I pay about a dozen bills every month, on time! I've never had this problem before. 
Is it legal for a company to charge a late fee when they consistently do no remit a timely statement?
Product: Money transfer, virtual currency, or money service

I am writing to appeal the permanent ban on my account. I understand that my account has been flagged for potential violations of terms and conditions, I assure that this is a mistake. 

All of my sales were legitimate and the products were sent to satisfied customers. I have received positive feedback from my customers and my account was growing at a steady rate. 

As a result of the permanent ban, my funds are currently locked and I am unable to access them to continue my business operations. This has caused a significant disruption to my business and has resulted in a loss of revenue and customers. 

I would like to request that review my account and lift the permanent ban. I have always been a compliant user and have followed all of PayPal 's terms and conditions. I assure that I have not engaged in any fraudulent activity. 

I understand the importance of maintaining a safe and secure platform for all users and I assure that I am committed to complying with all of PayPal 's policies. I hope that paypal can understand the gravity of the situation and take immediate action to rectify this mistake. 

Sincerely, XXXX XXXX
Product: Credit card

This weekend I came to find out my capital one XXXX card had been closed due to returned payments. The situation was an unfortunate mix up where I was Frauded a rep called me as captial one and they knew all my login info my address bank XXXX XXXX I told them I Dont use XXXX  XXXX XXXX any more only used it prior to make pmts 1 time among both of my cards how ever funds had not been transferred from my account and that acct is currently overdrawn if im not mistaken. The moment I noticed days later that the number who called me wasn't capital one and they are a credit solutions agency. I was scammed I was so wrapped up with personal issues with losing a child I didn't have time to even entertain that payments were fraud on my account. As Captial one can see I been value customer since I was XXXX my first card ever opened since XXXX  I may of have returned payments with my old act in the past but you'd be able to see that, I deposited the money and reattempted the payment. I spoke to capital one customer service where at first they said there is absolutely nothing they can do because I violated their terms and agreement, but after speaking with a supervisor XXXX. She had mentioned submitting a request to open the account but it was not a guarantee. She mentioned to call capital one once it clears on the XXXX. Please review my account and help assist.
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. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX 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 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 or other personal consumer reports

under 15 USC 1681 Under the fcra, you are required to...

Conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear comprehensive manner. 
I request the immediate removal or correction of the is information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

University XXXX XXXX XXXX XXXX Maine is mis-reporting accounts on my credit file. They reported a Foreclosure with a date of XX/XX/XXXX, when in fact the agreed to judgment was and foreclosure order signed by the judge in XXXX of XXXX. In addition, a home equity line shows as XXXX past due in XX/XX/XXXX, when it was charged off and rolled into the foreclosure agreement that was ordered in the court in XX/XX/XXXX. 

They are also reporting a business account of my ex-husband 's on my credit report, which currently reporting a balance of {$80000.00}. Not only is this a business account of my ex-husband 's, the balance is also incorrect- it was charged off for {$5000.00} and shows a past due balance of {$8000.00}, not {$80000.00}. 

The credit union has refused any attempts to correct this information. I have disputed the information with Experian and they keep telling Experian the information is correct. I contacted the University Credit Union lawyer, and he maintains they can not do anything. I am beyond frustrated at the lack of response.
Product: Credit card or prepaid card

In early XXXX I received a credit card from Money Network that I do not recall applying for. I tried to call the company but they will not let me email or contact by phone without me giving them the last XXXX of my social security number, which I do not want to do. As an FYI, the card number is XXXX XXXX XXXX XXXX. It is in the name of XXXX XXXX. I usually use my middle initial, which this does not have. It does not seem to be a solicitation for credit - if it is- it is very misleading. I am a public interest attorney so I am particular concerned about this time of issue. 

I also want to know if they connected with my any of the credit reporting agencies. It does not look like they did as I they include my middle initial. My score is in the mid XXXX and I do not want any company contacting the credit agencies without my permission.
Product: Debt collection

In XX/XX/XXXX I had 2 online payday loans from XXXX XXXX XXXX and XXXX, which I'm sure both were paid in full. But I noticed on all 3 of my credit reports that Midwest Recovery Systems was trying to collect on these paid debts. They are stating the I owe {$1300.00} to XXXX and {$2200.00} to XXXX XXXX XXXX which is not possible. I have disputed this will all 3 credit bureaus and I've also sent them a certified letter requesting validation of these accounts as well as a cease and desist, I requested that they only contact me by mail. I sent the certified letter on XX/XX/XXXX and I have not received anything from this company. They never sent me anything validating these accounts before adding them to my credit reports, I've only received harassing threatening phone calls from this company, they even called my employer and aggressively asked all kinds of personal questions about me, when I got to work I called them back and explained that I could not except personal calls at work, the guy threatening me with a lawsuit and hung up. This company calls me from numbers all over the country and I block them all. My next step is to file a police report against Midwest Recovery Systems.
Product: Credit reporting or other personal consumer reports

In my credit report from Experian, there is a hard inquiry on my credit report from XXXX XXXX XXXX XXXX dated XX/XX/year>. 
I have not requested or allowed a user access to my personal information in connection with this company. 
There is no current phone number listed in my updated credit report. The address listed is : XXXX XXXX XXXX XXXX. XXXX XXXX, SD XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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