23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I WENT THRU SMALL CLAIMS COURT IN XXXX AND SUED THE XXXX FOR THE COST OF DAMAGES OF MY BELONGINGS BEING DESTROYED IN A STORAGE UNIT. THE JUDGEMENT FOR THE ORDER WAS THAT I WAS TO HAVE ACCESS TO GET MY BELONGINGS AND XXXX GROUP WAS NOT TO TRY TO COLLECT ANYTHING FROM ME AS I HAD A XXXX BALANCE. ON OR ABOUT XX/XX/XXXX I RECEIVED A LETTER FROM XXXX STATING THAT I OWED XXXX XXXX. I CALLED XXXX AT LAZARUS XXXX AND EXPLAINED THE SITUATION. I THEN MAILED THE COPY OF THE JUDGEMENT ON XX/XX/2016 AND THEN I NOTICED THAT THE COMPANY PLACED ON MY CREDIT. I TRIED TO REACH THIS COMPANY FOR XXXX WEEKS STRAIGHT AND THE PHONE JUST RANG, I WAS UNABLE TO LEAVE A VOICEMAIL AND NO ONE RESPONDED TO EMAILS. I THEN EMAILED ANOTHER COPY OF JUDGEMENT FROM THE XXXX COURTS ON XX/XX/XXXX. XXXX CONFIRMED RECEIPT AFTER NUMEROUS ATTEMPTS TO REACH THEM ON XX/XX/XXXX AND TOLD ME THAT HE DID N'T BELIEVE THIS JUDGEMENT AND HE HAD TO TO FURTHER RESEARCH AND WOULD NOT REMOVE IT. IT HAS NOT BEEN XXXX AND THIS DEBT IS STILL ON MY CREDIT. I HAVE A LEGAL ORDER THAT I DO NOT OWE THIS COMPANY ANYTHING AS MY ITEMS WERE COMPLETELY DAMAGED AND THEY WAITED XXXX AFTER COURT TO SEND TO COLLECTION AGENCY WHO DOES NOT RESPOND. I AM SEEKING THAT THIS COMPANY REMOVE THIS FROM MY CREDIT AS IT IS NOT VALID AND IS BEING ILLEGALLY REPORTED. I AM A SINGLE MOTHER IN THE PROCESS OF GETTING A HOME AND THIS IS PREVENTING ME MY MAKING MY CREDIT SCORE DROP.I NEVER RECEIVED ANY CORRESPONDENCE AFTER COURT DATE FROM COMPANY SHOWING BALANCE OR ATTEMPT TO COLLECT TO RESOLVE. FIRST LETTER WAS IN XX/XX/XXXX FROM LAZROUS GROUP
Product: Debt collection

I have made many attempts to let this company know that this debt is not my debt and that my identity was stolen as a result of the ID Theft, there were many accounts opened in my name and for some reason this company will not make any adjustments after repeatedly requesting them to remove this account from my credit report. 

I did not open an account with any timeshare companies and i do not have any active accounts or benefits with any timeshare. I would like to have my credit report updated asap in order for me to purchase a home. 

I have submitted a police report to the company and nothing has been done about it.
Product: Debt collection

I am a small business and when we receive a chargeback from credit cards we investigate all claims. 
The first one is regarding American Express ( control # XXXX ). Customer called store and asked for refund for three months on XX/XX/XXXX. Customer was refunded and shows a refund of three months for {$64.00} each on XX/XX/XXXX. The same day the customer disputed the charge through American Express on XX/XX/XXXX. American Express immediately debited my account without seeing in their records this customer was refunded 3 times. After speaking with XXXX ( my credit card processor ) regarding this case ( CHARTS # XXXX ) and American Express case ( XXXX ) they can see this customer XXXX XXXX ( last 4 digits of CC XXXX ) was now refunded 1 extra time ( for a total of 4 ) and there is no way to get the money back to me. Both XXXX and American Express and pointing fingers at each other and won't refund my money. 

My second is in regards to XXXX credit card fraudulently keeping money. Customer stated she cancelled charge and disputed it XX/XX/XXXX. XXXX sent me case ( XXXX XXXX ). I disputed case stating customer used the service. I spoke to customer and she sent me proof that she recognized the charge and withdrew the chargeback XX/XX/XXXX. I sent this addition information and I have still not received the money back for this transaction. XXXX denied the chargeback and customer was charged for this on her account ( CC last 4 digits XXXX ), XXXX is keeping money that is not theirs to keep. 

My third example is outright customer fraud on us. Customer disputed charges to credit card on XX/XX/XXXX for a charge that occurred XX/XX/XXXX. The vantiv charts # XXXX. Customer stated reason was " cancelation of reoccurring transaction ''. I faxed signed credit card receipt and said there is no cancellation, customer came in and received service and used her credit card for the service. I included prior months of signed credit card receipts ( that customer did not dispute ) showing signatures matched. Credit card company sided with customer even though we had signed receipts, XXXX XXXX proof transaction was valid, and her description of the incident as " cancellation '' did not make sense. XXXX told us to file a complaint with the police department. In this case the customer just disputed to get free services
Product: Credit reporting or other personal consumer reports

There is an items on my credit report that I have no knowledge of, and do not belong to me. These items are having a negative impact on my credit report. Since I have no knowledge of these accounts ; I am asking you to investigate these items immediately and delete this from my credit report. 

XXXX XXXX XXXX Acct # XXXX If your investigation finds the items do not belong to me, I demand that these items be removed immediately and my credit score be adjusted accordingly. In addition I am requesting a copy of my updated credit report reflecting these changes be sent to me immediately. I appreciate your attention in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries.. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Date Updated : XX/XX/XXXX EMPLOYER : PAVERITE Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent a letter to the Credit Bureaus to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to delete information not later than 4 business days. Ive already included these in my previous Complaint and am including them again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 took a look at my credit report a few months ago and seen XXXX accounts that i didn't recognize. After doing some investigation, i found out that those accounts where open fraudulently. I cantacted the bureaus and did exactly what they told me. i contacted the police department and filed a police report with the XXXX XXXX police department. I sent this to the bureaus but the accounts didnt come off.
Product: Debt collection

i have disputed this account as identity theft and the results came back as verified when it shouldnt have ive filed multiple complaints against this company and my credit has been damaged as a result
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage lender reported to Credit Bureau that shows a 60 day late payment in XX/XX/XXXX for a XX/XX/XXXX payment on my credit report.Original loan was indeed in my name but in XX/XX/XXXX Came a divorce.In the Final Divorce Decree it's ordered for the Wife the divorce filer Be Liable For All Future Payments of said mortgage and hold husband NOT LIABLE for any such payments as entered in the decree as of XX/XX/XXXX. After speaking to the creditor and the credit bureau I fear the resolution will not be the proper and fair decision since I'm not liable for the mortgage that by law belongs to another. Creditor (Mortgage Lender) has already stated in the phone conversation on the morning of XX/XX/XXXX that there would have needed be an application for a loan assumption which by my standards is not acceptable nor fair. So I have taken by their comments that the information remains on MY credit report for a loan and property that I did not own at the time of reporting by creditor and credit bureau.
Product: Credit card

The transaction happened with my Citibank credit card on XX/XX/2024 for the amount of {$110.00} and another amount for {$110.00}. 

I contacted my phone carrier XXXX on that day to upgrade my two telephones that I have on my account I wanted to order two new XXXX XXXX. 

I have their magenta plan which charges me {$35.00} per line each month because I am XXXX and over. 

The salesman on the phone guaranteed me my plan would not change at all, but I would just get the two new phones and thats it. 

What I came to find out about a day later was that instead of my bill being combined with Internet and cell phones two of them {$110.00} a month I was going to be paying {$180.00} a month because he took me off of my plan. 

This salesman was not truthful. He was a scammer. He was deceitful and he was lying. I contacted XXXX immediately and I have spent a couple of months going back-and-forth with them, begging them to please resolve this because they put the order through charged my card and sent me two new XXXX  of which I returned back to XXXX And I have a proof in my email that they received those phones. 

The so-called upper echelon of the company kept telling me everything was resolved. We took care of it. your bill still XXXX a month the transaction was canceled. Your account was credited. But in the meantime what I did when I saw that it wasnt being resolved. I filed the complaint with the FTC. 

Now, today I received a copy of a letter from my credit card company stating that XXXX responded and is holding me responsible for those two charges of {$110.00} regardless of me canceling the sales transaction and returni

ng the two new XXXX back to them. I wan na know since when in this country is it not legal to return an item and cancel the transaction So of course Citibank believed XXXX over me and is holding me accountable for money for services and products. I dont have Citibank has no right to do this to me. This is credit card abuse Upon a senior and I dont care if Im a senior or not they dont have the right to do this to me. 

Again I spoke to XXXX today again is giving me the runaround and telling me they wan na keep me as a customer and that theyll resolve it. 

I see no resolution in the future with this matter. 

I am being deceived and defrauded out of my money by XXXX which they claim theyre trying to take care of it and now Citibank credit card company Its really now Citibank that Im filing a complaint against and their credit card that they issued me and that credit card is connected to my Costco membership
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX about my account at the beginning of XXXX of 2020 to settle my debt in the amount of $ XXXX.I was advised by the representative my account was sold to a collection agency called XXXX XXXX XXXX XXXX I proceeded to call and email XXXX XXXX to settle my debt, however, my emails went unanswered and the number listed on the website and provided by XXXX just continuously rang. I was finally able to get a representative on the phone on XXXX XXXX and that representative then informed me that account was then sold to another collection agency XXXX XXXXXXXX XXXX. That same day, I called XXXX XXXX XXXX  to settle my account, which I did for less than the amount that was owed and advised by the representative the status of the will be updated with the credit bureaus within 14-30 days. My issue is after I received my settlement letter it states. " XXXX XXXX XXXX XXXX XXXX is in receipt of your payment ( s ) and they have been applied to your account. The above referenced account has been considered paid-in-full with a balance of {$0.00}. Contact the following credit report agencies and send them a copy of this notice according to their instructions. 
XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX Experian : XXXX WWW.EXPERIAN.COM ''. I have done this action and each credit reporting agency has come back and says that the debt is valid and still derogatory and owed. I have done my due diligence to pay the debt, and I expect the correct information to be reported on my credit reports.
Product: Mortgage

I recently sold a home ( XXXX XXXX XXXX XXXX, Ohio XXXX ) and the hole was in me and my wife name. Every payment was sent by us the home owners! There was a overpayment and XXXX  ( PHH mortgage ) refused to make a check out in our name after stating they will. Very bad company.
Product: Debt collection

This is a complaint from XXXX XXXX against XXXX XXXX XXXX XXXX for XXXX XXXX  failure to provide requested information for the debt alleged. XXXX XXXX has been attempting to collect on a debt that consumer does not recognize. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d.  Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/18, XXXX XXXX responded with original statements for the debt alleged ( attached below ), but none of the requested documentation, including a chain of title showing ownership of the debt by XXXX. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Debt collection

I have been a victim of ID theft. as a result there is are negative balances on my credit report. {$13.00} XXXX on XXXX {$3500.00} on XXXX I obtained a police report submitted to all credit buerals no effect they don't believe me. please help
Product: Credit card or prepaid card

i check my credit at least one a week on XXXX XXXX  or XXXX because i like to know whats going on and what is the rough estimate of my credit. well i checked it yesterday night ( XX/XX/2022 and noticed a different credit card or account added to my accounts and i havent opened any new card in like almost XXXX years like im XXXX month away from it being XXXX years ago. i think something got added by mistake or fraud. The account that just got opened was for XXXX and the total utilization that was used is XXXX which made my credit drop XXXX points. ive already been in contact with all three credit bureaus to get this handled. I found out that the card is for Care Credit which i have no idea what is it or what it is used for
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numurous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Product: Credit reporting or other personal consumer reports

Hi, On XX/XX/XXXX, XXXX pulled my credit without my consent. 

They marketed preapproval to see if I could get a Heloc loan service and stated the inquiry would be a soft pull to see if I would be qualitied. To my surprised this is reporting on my credit. I never continue with the program because of the rate and the cost amount requirement. I never authorized for my credit to be pulled, they told me just soft pull for qualification. I never did the program service with them. This incorrect reporting is sitting on my credit and hurting my credit for other financial service for me and my family. 

XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details XXXX XXXX XXXX XXXX XXXXt info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX number ( XXXX ) XXXX
Product: Mortgage

My original lender sold my mortgage to Lakeview Mortgage company over a year ago. I paid my first years XXXX years escrow no problem. Then the servicer for lakeview, XXXX servicer, sent a letter back in XX/XX/2022 informing me that my escrow balance was too low and requiring my payments increase from XXXX monthly to XXXX monthly. I was upset so i called and had a long conversation where they explained to me what happened. They told me that this change was only for XXXX months and to make up for a mistake on their end and that my home owners went up slightly. However, they were convinced that, after XX/XX/2022, i could resume my original payment. However, in XXXX, ironically, they changed service providers again, moving to XXXX XXXX servicer. Now they are telling me that very little came over from XXXX in my escrow. Now XXXX XXXX is telling me that i am projected to owe over {$400.00} in escrow at the end of the year. I need someone to help me find out where my money went and why this keeps happening. Please.
Product: Credit card

Said I had to many return payments ... .my credit union said I had no returns ... .credit card company was coding wrong ... I used company app to pay bill ... every time I had a issue I called credit card company
Product: Checking or savings account

Several months ago I made a payment from my checking account to my credit card for {$200.00}. The bank did not automatically transfer the funds from the checking account, instead made a check for that amount and that amount has been floating around now several months. The local branch stopped payment of the {$200.00}, but it still shows in red on my account with a minus. 
Today I paid over from my checking account to my credit card, leaving a balance of {$130.00}, now I have red all over my my checking account saying I am in 'DANGER '' and overdrawn. 
They never credited the {$200.00} back to my checking accuont and the local bank is not doing anything so solve it. I want my {$200.00} back in my checking account. 
There should not be a minus {$200.00} on the side of my account. I should have the {$200.00} backas cash! 
This is very fruustrating. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am having issues with Equifax and XXXX regarding my credit score. 

My credit score with Equifax and XXXX dropped XXXX points from XX/XX/XXXX to XXXXXX/XX/XXXX.I reached out numerous times to both companies and they refused to assist me, only giving me the credit report but not telling me what changed in my credit rating. It is interesting because I am preparing to buy a home, therefore I have not in the past months opened a new credit line ( any loans whatsoever ), I have maintained for years now a credit usage below 3 %, my salary has increased, and my outstanding loans ( student loans and auto loans ) have decreased in balance. 

I have been trying extremely hard to understand from Equifax and XXXX what new information caused them to drop XXXX points with XXXX success. 

XX/XX/XXXX and XXXX, both have me rated between XXXX and XXXX, which is where I was with Equifax and XXXX until they decided to lower my score XXXX points and can not explain to me why... 

Equifax and XXXX are preventing me from obtaining a loan for a home ( would be my first home ) because of their poor credit rating whenever they can not substantiate their reporting. 

I beg for assistance, they keep sending me to different departments and no one ever helps me... 

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

In accordance with the fair credit Reporting act XXXX Account the company has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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, credit repair services, or other personal consumer reports

I am disputing with Trans Union the following Unauthorized / Unknown collection account that showed up on my credit report. I am a previous victim of identity theft and already have an extended fraud alert placed on my Trans Union Credit report so there should be no excuse as to why this collection account unknowingly hit my report without my consent of proving the account belongs to me. This account reporting to my credit report go against the Fair Credit Reporting Act and is affecting my ability to hold a job and get approved for a home mortage. I have also reached out to the collection agency and have attached a filed Identify Theft Police Report to this compliant in order to get this issue resolved in a timely fashion. Below are the reporting Inquiries that should be Removed / Deleted from my Trans Union credit report. Should you need any additional information please let me know. 

Reporting Collection Account : 1 ) XXXX   Account # : XXXX Unknown Date Opened : XX/XX/XXXX Unknown Terms : 011 Months Unknown Account Status : Open Unknown Payment Status : Late Unknown Balance : {$2800.00} Trans Union Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX # XXXX XXXX, PA. XXXX