23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

# XXXX On XX/XX/XXXX RENTDEBT AUTOMATED COLLECTIONS.LLC responded back a complaint I had submitted. On XX/XX/XXXX XXXX XXXX XXXX XXXX of Compliance for XXXX Automated Collection llc stating : Ms XXXX account was placed with RDAC for collections on XXXX XXXX with a balance of {$8600.00} Violations Section XXXX ( a ) ( I ) ( B ) XXXX ( d ) XXXX XXXX XXXX When this account was sent to XXXX the balance was XXXX XXXX XXXX also stated that on XXXX XXXX XXXX mailed a letter to her last known address : under section XXXX and it was not returned as undeliverable I vacated the until XXXX, XXXX XXXX no fix address homeless. 
Whoever, The program XXXX under which is XXXX XXXX XXXX XXXX have procedures, and one of the is the tenant has to make arrangements to continue the program : from XXXX XXXX I got in contact with rent debt automated. And riverside manor had my contact number and forwarding address And XXXX XXXX stated that on XX/XX/XXXX ms XXXX account was reported to ( XXXX ) major credit bureaus another violation This account was reported on XXXX XXXX And I was told that because I made payments arrangement this would not affect my credit. This account was placed on my account knowing it was inaccurate. 
Also the transaction date is inaccurate on bth letter XX/XX/XXXX and XX/XX/XXXX? 
I wasnt aware of my consumer right and nor where they exercised to me. I made a payment of {$120.00} that how the amount balance was {$860000.00} False accusations and misleading of consumer rights XXXX seeking damages and removal of this account from all credit reports bureaus
Product: Checking or savings account

On XX/XX/XXXX I noticed unauthorized charges on my checking and savings accounts. Most of these charges were ATM transactions. I don't normally use my debit card because the majotiry of my transactions are online in which my card information is stored already and to pay bills which is done by ACH. The amount of ATM withdrawals that were made from my checking account total {$6500.00} and from my savings account in the amount of {$18000.00} for a total combined withdrawals of {$24000.00}. These transactions go back to XXXX of XXXX and I am only reporting these right now because I was unaware that these took place for the reasons I stated above. On XX/XX/XXXX I received letters about my claim and they informed me that they completed their investigation and no credits were going to be made to my account. I contacted the claims department shortly after and requested that a claims representative contact me back so this could be better explained to me. I received a phone call from a claim rep on XX/XX/XXXX and she told me that since a PIN was used at the ATM for these transactions. They consider that to be a reason for denying my claim. When asked to explain further, she said the following. Since a PIN was used they believe that I did not choose a strong enough PIN or I didn't secure my PIN good enough where it would have not been so easy to obtain. She also stated that a Claims Manager noted my account closed and that this claim will never be reopened and investigated again. 

This is totally outrageous that since I didn't choose a strong enough PIN, then someone stole my card, figured out my PIN and made all these withdrawal. That my account is not going to be protected and I am never going to receive any of my hard earned money back. Shame on you Citizens Bank, you are in the business of providing a financial service and to protect your customers financials, assets, etc. Why would I ever do business with a company like you if I didn't feel like I was going to be protected? If that is the case, why wouldn't I just keep my money in shoe boxes and not trust that you are going to do your job and protect the rights of all your customers? 

This is bad business practice and you should be ashamed of yourselves.
Product: Money transfer, virtual currency, or money service

paypal is a fraud company they stole my money that I have received as donation to my paypal fundraiser they just withdraw all credit to themselves without even sending me a notice about it on the phone they hang up impossible to email them. they have taken away the email option I created a paypal fundraiser that was approved by paypal ( photo attached ) all the sudden it got blocked so I could not access my donations IT WAS A PAYPAL FUNDRAISER TO RECEIVE DONATIONS IN ORDER TO BUY A NEW CAR! WHICH I NEED FOR MY WORK! 
AND NOW THEY JUST STOLE ALL MONEY ALTHOUGH I WAS TOLD IT WILL BE PAID OUT AFTER 180 DAYS THEY OWE ME XXXX USD
Product: Vehicle loan or lease

Contacted Capital One Auto Financing about the loan on my vehicle because it is reporting closed on the credit report but I am still making payments on the vehicle. I am unable to log into the system to make payments and times I have called they said I did not have to make the payments if I did not want to. The customer service reps have told me that the account was a part of my bankruptcy and that the account was never re-affirmed by the attorney.
Product: Debt collection

XXXX has submitted a collection three times on a bill that I do not owe. I have disputed it this collection twice before with XXXX CRA 's and it was removed. Now they have placed it with a XXXX collection company.
Product: Student loan

Prior to XXXX, I was on an income-based repayment plan. When I had to submit documentation for renewal, they refused to accept it and my first notification was months later when they demanded payment that well exceeded my total monthly income. When contacted, they played word games and demanded specific wording to process my XXXX. I provided such, and was notified yesterday that I had new documents, but was unable to access them as there was no link on their website to do so, and the direct link in the email dropped me at a landing page. 

Today I got another demand for payment with a link that finally allowed me to view the documents, which apparently were about a refusal to process my XXXX as now that they had my documentation explicitly for the renewal of my XXXX, they claimed I did n't request an XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious issue regarding unauthorized credit inquiries appearing on my credit reports from Equifax. These inquiries were made without my consent, and I believe them to be indicative of potential identity theft. Upon reviewing my credit reports from each of your bureaus, I discovered the following unauthorized inquiries : 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 
I want to emphasize that I did not authorize any individuals or entities associated with these inquiries to access my credit reports. This is a clear violation of my privacy rights and raises serious concerns about the security of my personal information.
Product: Credit reporting

I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item ( identify item disputed by name of source, such as creditors of XXXX Card ) is ( inaccurate or incomplete ) because ( describe what is inaccurate or incomplete and why This ITEM WAS A CHARGE OFF IN XXXX OF 2011 ). The collection agency are still reporting payments as late and the account is close and charge off. I am requesting that the item be deleted ( or request another specific change ) to correct the information. Enclosed is a copy of the my recent of my credit report, item # XXXX, supporting my position. Please re-investigate this matter and ( delete or correct ) the disputed item as soon as possible.
Product: Debt collection

XXXX phone company is claiming I owe them {$8600.00} for account # XXXX. 

This notice came after the contract was paid in full throughout the year of XX/XX/2018 and closed. Notice came in the form of the Collection Agency letter. 

Numerous communications were made with XXXX whose website bill statement claims all the payment made throughout the year reversed back on XX/XX/18 due to Financial Institution request. I was advised to contact Financial Institution. And I did. As per my bank, transactions claimed by XXXX did not take place which is further supported by bank statements. 

These same bank statements were provided to XXXX for investigation which had no consecutive action, phone calls, or emails. In a follow up communication by me I was advised to follow up with financial institution, which I already did, and the conversation went on in circles. 
Meanwhile, collection agency is calling me several times a day, and already effected my credit score.

I am attaching three bank statements around the date XX/XX/18 to show no reverse transactions registered on my end.
Product: Credit reporting or other personal consumer reports

XXXX is obligated by the FCRA to report accurate accounting, consumer has advised that the closed Chrysler Capital Account # XXXX had XXXX  days according to Law to remove this derogatory item. This Consumer is now requesting XXXX to provide the documentation used to determine that account was validated by the creditor, XXXX has XXXX days to provide me with the name of the person spoken to, documentation used, signed application with consumer XXXX XXXX signature. The Consumer is not asking for an XXXX report if XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the XXXX to follow certain rules. XXXX XXXXXXXX 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 I will be filing form XXXX XXXX XXXXXXXX forms to audit consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax have continued to report inaccurate information on my credit report, despite my previous disputes and efforts to correct these errors. I have attached a letter that provides proof supporting my claim and demonstrating the inaccuracies being reported. The failure to update this information in a timely manner, despite clear evidence, has caused ongoing negative effects on my credit score. I am requesting an immediate investigation and correction of these inaccuracies, with all erroneous information being removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX, IA XXXX XXXX : Dispute Regarding XXXX  XXXX Account # XXXX Dear Sir/Madam, I am writing to formally dispute the reporting of late payments on my XXXX  XXXX account ( Account # XXXX ) on my credit report. I believe the reporting of these late payments is inaccurate and that this account should no longer appear on my credit report. 

Details of the Dispute : Account Age and Reporting Limitations : This account was opened on XX/XX/XXXX and is now over XXXX ( XXXX ) years old. Under the Fair Credit Reporting Act ( FCRA ), Section XXXX05 ( a ) ( 5 ), negative information, including late payments, should not be reported on a credit report after XXXX ( XXXX ) years from the date of delinquency. Since this account exceeds the allowable reporting period, it must be removed from my credit report immediately. 

Inaccurate Reporting of Late Payments : The reported late payments on this account are erroneous and damaging to my credit profile. I am requesting that XXXX XXXX verify the accuracy of these reports. If they are unable to substantiate the late payments with proper documentation, they should be removed as required by law. 

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

After noticing an erroneous debt appearing on my XXXX credit report in XXXX I called the name of the firm on the report Vance & Huffman, L.L.C. at ( XXXX ) XXXX and discovered they were a collections law firm representing a debt buyer for some company XXXX XXXX XXXX in the amount of XXXX. The problem was that it was not my debt. I never heard of them and they had no details whatsoever. I then submitted a dispute with XXXX and the derogatory reporting still remains. Apparently XXXX made no effort to have the case investigated and are taking the information from corrupt debt collectors over innocent consumers without having them provide documentation.
Product: Checking or savings account

I opened up an accounts with Bank of America well over 35 years ago. There were no monthly fees to be debited against my account. After I turned XXXX, they made a notice on the accounts that were to be " senior '' accounts, with same terms and conditions ( no charges ) Now, they are charging me fees. 
I called the bank at XXXX employee could not help and asked for her supervisor XXXX who in turn informed me that the bank had placed a minimum of {$1500.00} as a balance to avoid charges on all the accounts. 
I do believe these are unfair practices.
Product: Credit reporting or other personal consumer reports

XXXX  of 2021 I was in XXXX XXXX. Through heavy enticement after I had a good bit to drink ( unwinding, having fun ), I went to a presentation with the organization. The breach of contract include : not sharing the contract via email the same day as promised ( as it would have had the phone number to cancel services in the required time ) the second one was that they engaged me in the contract after I had been XXXX. ( I rarely XXXX but I was enjoying my trip ). As of today, I still haven't received any contract. They keep sending me messages about accruing fees. When I did call a number that I found online within 2 days of being at their location, the number seemed to be a dummy number. I sat for hours on hold for multiple days and no one answered. I got a good number from my bank once they sent a transaction through. Even once I obtained that number from my bank, I still had to be given a few other numbers to be able to speak to people to get my request heard. That was within 7 days or so from being at their location. I called them, they were rude, abusive, negative, dismissive, blamed everything on me and never took accountability for their malfeasance. They quickly put this account on my credit bureau and refused to budge or to do the right thing. They defrauded me by not supplying clear and accurate information within the time that was allowed to cancel. They never supplied a contract. I researched online and there are hundreds of people who have complaints against this entity. In submitting multiple disputes with the credit companies like transunion, they just take the word of the company and I am no one in this transaction. It is evident by my credit report that I make excellent financial decisions and they refuse to look at the facts. Companies like thi\s railroad decent people daily. When I was on the phone with a female at Transunion within the past 30 minutes, she fought me tooth and nail as if she was working for XXXX. I asked to speak with the next level of support and she hung up on me. Please help. Question : Is there an inappropriate relationship between Transunion and XXXX? Please help me to remove this spam from any and all public and private reports. I also reached out to other entities in XXXX XXXX that said they could not do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I went to a doctor XXXX XXXX XXXX XXXX, I found listed on my health insurance company ( XXXX XXXX XXXX XXXX ). Following that visit, I received XXXX separate bills, both for the same amount, and for the same incident date. One of the bills was from XXXX XXXX, and the other was for XXXX XXXX. I had met my out of pocket maximum with XXXX, so they were obligated to take care of the bill. They paid XXXX, but not XXXX XXXX, and despite multiple attempts to coordinate with XXXX  XXXX, and XXXX XXXX over the past year, and multiple assurances from each company that they were looking into it, and it would be taken care of, XXXX XXXX has assigned the debt to XXXX XXXX, a debt collection agency which has reported the fraudulent debt to credit reporting agencies ( despite me informing them that the debt was not accurate and was being investigated ) and reduced my credit score by XXXX points. The fact that I have to bear the consequences of these companies incompetence is unbelievable. This is now impacting my ability to finance a mortgage or auto loan and is a fraudulent report.
Product: Credit card or prepaid card

I have XXXX credit cards through Synchrony bank. On each of them I have had the limit significantly decreased as I paid down the amount owed. One I never carried a balance on. After doing some searching I see this is common practice for MANY of their customers. From what I am reading this not only affects their and mine credit score but will also increase the percentage rate that can be charged because of the lower credit score. They also state that I have no verifiable mortgage. Well that is because I own my home outright. They can not base credit worthiness off of a home loan being public record or not. This is basically a credit company driving down customers scores so they can charge a higher interest rate on the lower balances. This needs to be investigated and stopped. It is basically a shake down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple and I mean multiple inquiries regarding my credit report which I do not have any idea who has been inquiring what I do know is the Department of Homeland Security has been harassing me and defending my character for two years now that is according to the local police XXXX I've not done anything wrong but I have the Department of Homeland Security harassing me and trying to feed my character to multiple companies that I've done business with they're using these multiple companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX in order to be able to gather personal information of mine and use it against me and attack me they called a XXXX  XXXX and they ordered XXXX XXXX to not renew one of my credit cards I want Some people held accountable right now whoever it is in this government that's doing this I want them exposed and I wan na know who it is so I can make it public for the world to know what's going on
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute XXXX XXXX  XXXX on my credit report. The balance listed on the account is incorrect. Please delete the account.
Product: Debt collection

After obtaining a recent credit report, I noticed that a debt from 3 years ago was still reporting as negative on my credit report. I tried reaching out to Diversified consultants, and they refused to remove the negative info against my name even tho it was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union LLC Failed to delete XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX from credit profile per attached Identify theft request claim filed on XX/XX/. 

Please see attached.
Product: Checking or savings account

I opened a chase savings account as a new savings account customer on XX/XX/year> through a link that was texted to me from my mom. In the link was a {$200.00} bonus offer for new customers that transferred {$15000.00} of new money into their new savings account ( after 3 months, keeping the minimum balance of XXXX ). I followed all steps exactly as instructed on their website. During the process, there was a message fixed at the top of the application website saying your offer is being applied. My account was opened successfully and I transferred XXXX from a different bank account from a completely separate institution from chase, within the time frame posted on the offer. 

Come 3+ months later, I realized that I have not received the {$200.00}. I called Chase and requested for the status of the bonus, and their answer was that they didnt see any promotion code applied to my savings account. I let them know that their website doesnt ask for a code. The rep told me that they will escalate it to some other department and that I would be contacted in XXXX business days and this was more than a week ago. I have not heard back from them since. 

Their bonus offer website still doesnt ask for any code when I try to open a new account. I see the same your offer is being applied message at the top and thats it. I see many people online thats been through the same exact situation. I believe Chase is deliberately doing this, seeing how they have not fixed anything on the website after so many months. If this isnt a scam, I dont know what is. I also have a video support for my claim, but its over 10mb so I cant attach here but if Chase wants more supporting document, I can provide it.
Product: Credit reporting

XXXX XXXX, FL XXXX SSN : XXXX | DOB : XX/XX/1968 Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 
XXXX there XXXX account Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX
Product: Credit reporting

My XXXX complaint is regarding the information reported on my credit report. In 2009 I received medical treatment at a hospital. The hospital failed to update my home address and never sent a bill to me. The original dispute is regarding not receiving a statement. Once I discovered this on my credit report I immediately contacted the hospital. They told me that by paying the balance they would remove it from my credit report. The company XXXX XXXX XXXX. has never removed it from my credit report. I filed a dispute with Transunion. I have XXXX complaints regarding my dispute. The XXXX complaint it required me to sign up to file a complaint because I needed a report number. You can not get a report number unless you have your credit report which is a monthly membership. I cancelled the membership after filing the complaint and then they still charged me for it. I believe this is deceptive. My XXXX complaint is they do not have enough space to explain the dispute. There response was simply verified. They did not speak to me or verify anything as I could not explain to them what happened. I had very good insurance at the time that typically paid all of my medical bills. The difference they claim never was sent to me. They also never contacted me and the doctor had my cell phone number along with the office. No one calls me but reports it on my credit. Then Transunion does nothing.