23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received an alert from all 3 credit reporting agencies that I had a collections account on my credit report. 
I called the company on my credit report, XXXX XXXXXXXX at XXXX and asked them what the collection was for. They said it was the XXXX XXXX at XXXX XXXX for the amount of {$660.00}. My account number for them is XXXX. The date of service was XX/XX/XXXX under my then married name XXXX XXXX. 
Then called XXXX XXXX and asked them about the date of XX/XX/XXXX and my balance is XXXX. They also sent me an invoice with XXXX balance. They told me they do not use this credit collections company. I also found that in my research many people have the same issues with this company. I would like this cleared up and taken off my credit report. I believe that XXXX XXXX had been hacked and leaked my information and thats how they got my information. Ive never heard from this collections company by phone, email or postal mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit report a lot of information is invalid on my transunion report. I am interested in disputing all of the incorrect data that Is hendering my file to be corrected.
Product: Credit card or prepaid card

I bought a sectional at Lowes for {$690.00}. I was supposed to get the higher of 20 % off my first purchase or a max of {$100.00}. Lowes charged me the wrong amount and I tried resolving with Synchrony and Lowes and neither would resolve the situation.
Product: Credit card or prepaid card

Received credit card bill Previous Balance : {$20000.00} Payments made prior to the Previous Balance Due date {$31000.00} New Balance {$7800.00} Included interest charges of {$180.00} based on one XXXX cash advance of {$300.00}, of which {$170.00} in interest charges was for Standard Purchases. 
In addition, there was a {$15.00} XXXX fee and {$2.00} interest on the cash advance imposed by Citi. 

Citi Supervisor on XX/XX/21 at XXXX XXXX  XXXX advised that they charge interest based on the average daily balance anytime there is a Cash Advance - ie XXXX. 

The " About Interest Charges '' included on the billing statement : " How to Avoid Paying interest on Purchased. .. We will not charge you interest on purchases if you pay your monthly Flex Plan Payment Amount ( if any ) plus your New Balance, excluding any Citi Flex Plan balances, by the due date each month.... We will begin charging interest on cash advances and balance transfers on the transaction date. .. '' Nowhere does it state that Citi will charge interest on Standard Purchases based on the average daily balance for the billing cycle if you take a Cash Advance.

I asked for where it states that in the contract. Supervisor XXXX started making up language that does not exist, such as stating the About Interest Charges read, " We will charge interest once you take a Cash Advance based on your average daily balance. '' I asked to speak to his manager and was told that his manager is XXXX and XXXX is not working tonight.

I am asking that the {$170.00} interest on Standard Purchased be reversed.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. this could be it discover : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the XXXX XXXX XXXX XXXX page. What follows is food for thought not just with Discover Card, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' XXXX XXXX XXXX the XXXX XXXX XXXX sued XXXX XXXX XXXX an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership XXXX lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX XXXX XXXX, the plaintiff ... XXXX XXXX al, XXXX XXXX XXXX, Northern District of California, ... 

XXXX XXXX clipped XXXX XXXX entire message
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am displeased by this oversight and hereby urge you to promptly address and rectify all inaccuracies present in your records. I request that immediate action be taken to ensure the integrity and accuracy of my credit profile is restored without delay. Additionally, I ask that you eliminate any employers and phone numbers associated with my credit report. According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Listed below are the Personal Information that are being challenged : Incorrect Current Address : - 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
Product: Credit reporting or other personal consumer reports

I noticed an inquiry on my file that I didnt authorize. I have been getting the run around. I was told it would be removed and it hasnt been.. I was told someone tried to open an Application and the creditor asked for proof of identity which was never received. The credit bureau said there have been nothing submitted by the creditor to have it removed. The creditor said they submitted information ti have it removed. I keep getting transferred and not one person is able to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX XXXX XXXX Date Opened XX/XX/2018 Balance {$0.00}
Product: Credit card

A company which I had transacted a purchase in the past ( about 2 years ago ) charged my account for {$230.00} in XXXX of this year. When I called the company I was told that they had no record of charging me for this and instead wanted me to give them my credit card number and other personal information. I refused to do this because I gave them the transaction number and they should be able to figure it out without all of my financial information. I disputed it immediately. I had to chose from a drop down list of options to dispute the charge and the only one that applied was a fraudulent charge. I felt like my account had been compromised since this company was using my information from a past purchase to steal from me and stated this in my dispute. The bank has done nothing except call me once. They did not even stop the card numbers and re-issue new cards until I threatened them with filing a complaint with CFPB on XXXX XXXX 2016. At that time they re-issued new cards which we received on XXXX XXXX, 2016 to me and my spouse but did nothing about the fraudulent charges to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, VA XXXX ) has been sending me collection notices in the amount of ( {$1300.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Consumer Loan

My issues begin from the beginning of the loan when I was told that the amount I was financed and the blue book value of the car was to much. I tried and make the payments but due to financial difficulties beyond my control I was making them but not on time. I also lost my insurance and in my state you must have insurance on a registered vechicle at all times. This caused me to be sanctioned by the state and the penalty was to pay a fine and a hold on the license for a certain time frame. I put the car in a parking garage in my area to avoid and tickets so on. The parking garage was expensive and then I also fell behind with them. I am a new tenant in my apartment and the neighborhood and did not receive no mail for about one month before I went to the landlord and post office. In the meantime to parking garage contacte Consumer Portfolio and they gave me less than 2 weeks to come up with this large amount of mone and the car was picked up by another state. I had no way of getting the money or no way to reach the car. I was informed that the car is going to an auction and them I will be reported to the credit bureaus in my state. I would like to find out how I can get them reported for all the XXXX this has caused with the phone calls and letters and the no responce calls I made to them. I do n't need this on my credit report, I just want to put this behind me and move on with my life. I am employed and have been for quite some time on my job and would not like this to cause me to lose my job. I work for a law firm in my state and would not like to have my reputation tarnished by a corrupt company.
Product: Credit reporting or other personal consumer reports

I've pulled my credit report and contacted XXXX XXXX the following creditor to settle and pay off the charge from a credit card that was opened in 2013. When I called the numbers listed under the XXXX credit bureaus the creditor advised the account is not active, I was unable to locate the account and provide additional phone numbers and I received the same information, but I was unable to locate the account with the name, social security, original lender, address given. 

I've done my due diligence in multiple attempts getting contacting the creditor over the past months and they are unable to locate the debt. 

I am requesting this creditor be removed off my credit report. 

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
Product: Credit reporting or other personal consumer reports

There is an account in my credit report that i do not know as mine XXXX, i sent XXXX a debt validation debit and them didnt give me any answers about this account..
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has made the conscious decision to block me from even entering the page I reported this when I called in XXXX .When this report was filed against Equifax for letting the thieves have my  credit file. Now theyve given me a Number XXXX it is a automated service that the automated lady will not let you go anywhere. 
I just tried to get into my account the page closes from a halfway page and from the top and bottom comes to the center of the page and locks me completely out. This means that they have given my credit report to the theories and I need help you have all of my information in all of the attachments that I have sent but now they will not allow meTo have an account this is really really bad Ive had some strange and shady things happen and I just finished talking to experience whatever is being done it is spreading over to XXXX. This is the most scariest situation this has been going on for years now and I didnt know what to do before but I know what to do now now Im going to the attorney general in foul the papers that was sent to me before I took sick. This needs to be investigated to the full us at this point theyre denying me access and this should let you all know theres something is very very wrong here thank you This is the most scariest situation this has been going on for years now and I didnt know what to do before but I know what to do now now Im going to the attorney general and foul the papers that was sent to  me before I took sick. This needs to be investigated to the fullest at this point theyre denying me access and this should let you all know this something is very very wrong here thank you XXXX XXXX. XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX, IL ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Collections : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NAME : XXXX XXXX XXXX XXXX EMPLOYER : VA XXXX RETIRED ADDRESS XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax EMPLOYER : XXXX XXXX  XXXX XXXX ADDRESS : XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX Inquiry : XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX has reported to the credit bureaus I was late 120-180 days mortgage payments for each XX/XX/XXXX-XX/XX/XXXX. Contacted them and they asked for bank records that dispute their reporting. I provided it XXXX/XXXX/XXXX and they responded that they were not going to change their reported although the bank records indicated I was on time and actually a month ahead by mid XXXX. They suggested we take it up with the credit agencies. This has not only impacted my credit score buy my ability to secure another home. Currently trying to contact XXXX, Equifax , and XXXX to mitigate the negative situation. Numerous attempts with XXXX failed to achieve any resolution. Will never do business with them again.
Product: Debt collection

commerce bank credit card, was original creditor was XXXX a day on my credit card in or around XX/XX/2017. to XXXX XXXX XXXX which i never had an acct. with. i disputed an they said i let someone use my card my wife said which i am not married an it was my girlfriend an she was trying to help m with canceling my credit card after i had suspected bogus charges on several mths before an i worked long hours.contacted local sheriff dept. an they said they never or eldom catch cause internet crime is so hard to trac. so i never reported the crime as i was so busy.know XXXX XXXX  XXXX   XXXX have taken over an it never was my debt '. an i had always paid my card in full til this debt an know is gon na be on credit an my credit is bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was found in my reports which has been taken care of due to written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Section 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX
Product: Credit card or prepaid card

I registered my gift card of {$200.00} at XXXX and it was a fake site without my knowledge on XX/XX/2022. I then went to XXXX and was able to register my card. On XX/XX/2022 the {$200.00} was taken by that company with fake website. XXXX in XXXX XXXX, NY. I have a screen shot of their information. I called the number on the back of the card which lead me to a representative that took my name, address and email and said I would have to wait XXXX days. I believe that was fake too? Im never registering a gift card again.
Product: Money transfer, virtual currency, or money service

I have repeatedly asked HSBC USA through HSBC XXXX to reverse the {$120000.00} transaction I sent through them after falling victim to a scammer. However, this bank has taken no action, and I received an email informing me that they can no longer assist me because they have sent the funds to the recipient already. HSBC USA and XXXX abandoned and disregarded me when I required assistance.
Product: Credit reporting or other personal consumer reports

XX/XX/year> began communicating with XXXX XXXX also known as : LCB RENT REPORTING L XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Told them I had no lease with the person they had listed. Attached documentation. Disputed through XXXX. XXXX removed from my credit file and then the very next day, it was put back on my credit file. No one answer the number and no one has responded to my emails other they state they will respond in 1-2 days. I have taken the correct action but this company never vetted this " landlord '' to confirm he had a valid lease to allow this to hinder my credit nor my husband 's credit. I am also on XXXX and they are now violating the XXXX and FHA laws. I have now filed another dispute with XXXX and have again attached supporting documentation to have this removed again. This company, in my opinion, is operating under false pretenses and only has the " Landlord '' i.e ; the paying party 's interest in mind. I would like my voice to be heard. After some research, this is a XXXX based company, but also has an office in the US. I don't believe they are following the US Laws of Credit Reporting.
Product: Credit reporting or other personal consumer reports

INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Please update the following accounts and paid, never late.

15 USC 1666 USC 1666B 12 CFR 1026.13- Billing Error- Late payments CAPITAL ONE Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Dates that need to be updated to paid, never late. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please correct/update this inaccurate information on my credit report to paid, never late.