23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company has tried calling me a texting me nonstop for debt that I do not owe this company anything and they wan na damage my credit
Product: Checking or savings account

On XXXX XXXX I notified XXXX through e-mail that my order has not been delivered or signed by me and a refund was due to me. XXXX was able to investigate the package and had returned the package to sender with tracking number XXXX. The package was delivered back to sender on XX/XX/23 and was signed by XXXX per FedEx signature confirmation. 

On XXXX XXXX XXXX sent an automated e-mail regarding the return policy but never addressed my concern regarding the delivery XXXX XXXX I notified XXXX that I had not received a refund and was told I have to sort the chargeback out with my bank. 

I never received the package and XXXX has confirmed the package was returned to sender. The merchant has to settle the dispute with XXXX as I have never received the package. 

I have filed a dispute with my bank TD three times already and the chargeback has been reversed each time. 

I have also filed a complaint with the XXXX which they said the merchant stopped replying and has not issued a refund either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I am so frustrated about Equifax company and how it works their system. honestly, I tried everything that I can and even sent them the statements. 

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone : ( XXXX ) XXXX My account number is XXXX opened the account XXXX 2017 This is what they are sending me the last two months. Equifax has completed your dispute for Confirmation Number XXXX and nothing changed Please fix this issue. 
Thank you.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX Dear XXXX XXXX XXXX : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting

I have already filed a complaint against this, but it is still not resolved. 
The XXXX companies, XXXX XXXX and XXXX XXXX XXXX ( XXXX ) have both requested that the inquiries be removed from my credit report because they are a result of identity theft. Equifax refuses to remove the inquiries, even after I have disputed the inquiries multiple times. I have attached my denied dispute and highlighted the XXXX inquiries that have been requested to be removed.
Product: Credit reporting or other personal consumer reports

Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Debt collection

On XX/XX/24 I submitted a complaint ID XXXX that Portfolio Recovery Associates violated my consumer rights by reporting an alleged debt without me receiving proper notification of this alleged debt to dispute before reporting to the CRA 's . Portfolio Recovery Associates was asked to provide a copy of the Certified Mail Receipt with the delivery and receipt of all disclosures and documentation that was sent prior to reporting account number XXXX to the Consumer Reporting Agencies. As of this date and the response to the CFPB, they have failed to do so. Simply uploading a letter does not show verification that you followed the laws according to the FDCPA before reporting this alleged debt. The letter could be generated and dated for any date. 
Portfolio Recovery Associates you have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet you placed a collection on my consumer report. You have not given me a chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Portfolio Recovery Associates, you have no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). ( see attached ) Portfolio Recovery Associates you are violating my consumer rights by attempting to collect on an unsubstantiated debt.

Upon receipt of this complaint, along with a copy of the Certified Mail Receipt verifying that you followed all the federal laws in accordance with the FDCPA, also provide me a copy of the purchase agreement between you and the original creditor of this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report negative entries on my credit profile long after the 30 days that this furnisher had to provide me the information pertaining to this debt, specifically the ORIGINAL SIGNED DOCUMENT as well as THE NAMES AND ADDRESS OF WHOMEVER VERIFIED THIS DEBT BELONGS TO ME. 

As a result, they are in violation of FCRA law 15 U.S.C 1681i ( a ), as well as FCRA Public Law 91, -506, title VI, Section 611, Subsection A-D ). 

XXXX has provided me with the statement breakdown of this debt, but has practiced deceptive methods in failing to provide me with the additional information, stated above, to prove this debt belongs to me. Profoundly they are also in violation of FDCPA law, under section 807 11.

I have now sent each Bureau two dispute different dispute letters, advocating for the removal of this account from my credit profile and still have seen no changes made. The letters are attached below.
Product: Debt collection

I really dont know what this is. It was continental finance company a MasterCard from the XXXX  XXXX XXXX. XXXX XXXX management company is the person calling at XXXX XXXX XXXX is the partner at XXXX. I dont know what the account number is I do have my name, social and date of birth. I believe this is an old collection, or it was part of my bankruptcy. The lady says theyre filing a civil lawsuit against me and they keep repeatedly calling, they call me they call my husband they call my kids who are XXXX and XXXX. I dont know what this is and if theyre going to civilly sue me they should submit some information to me if its a debt over 10 years old I dont know why theyre still reaching out, or if it was part of the bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to have a judgement removed from my business credit profile. I have sent the signed stamped satisfaction lien to Experian business and they are falsely responding that they can not verify the information. then they require that nothing is disputable unless your PURCHASE a report from them. I subscribe to XXXX and XXXX XXXX XXXX and I receive my experian report yet they refuse to accept and have made me pay {$39.00} twice just to dispute my information. i feel that they deliberately report inaccurate information so that consumers like my small business is forced to purchase their reports. A consumer should always be able to verify and dispute inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XX/XX/XXXX, and XX/XX/XXXXare in violation of my consumer rights by reporting fraudulent accounts and inquiries on my credit report. Below are the accounts and inquiries : Account XX/XX/XXXX - {$1700.00} Account Number - XXXX Inquiries XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I request that the listed accounts and inquiries be permanently removed from my EXPERIAN XXXX XXXX XXXX and XX/XX/XXXX credit reports. These accounts are fraudulent, unverifiable, and violate my consumer rights
Product: Bank account or service

I had an available balance XXXX/XXXX/2015 - here is the information as per the update I received : The balance for your account XXXX has reached {$0.00} ( the upper balance you set for your alerts ). 
Ending Balance : $ XXXXAvailable Balance : $ XXXXThis information is accurate as of XXXX/XXXX/2015 XXXX Eastern Time. For the most current balance and more account details, sign on and go to Account Activity for this account. 

- I spent {$100.00} - XXXX charge that I thought was already covered came in after of {$99.00} so I went over. I understand XXXX overdraft fee, but they have the audacity to charge me XXXX overdraft fees. Of the purchases that make up the {$100.00}, XXXX are still showing as pending even though they showed as already being debited. I am very afraid that they are going to charge me another XXXX overdraft fees for a total of {$170.00} XXXX XXXX x {$35.00} XXXX. This is not only scary, but excessive. 
Here is what it shows on my online information : Pending Transactions Note : Debit card transaction amounts may change XXXX Learn More ) XXXX Payments Deposit XXXX XXXX $ XXXX XXXX 'S F XXXX FL XXXX $ XXXX XXXX XXXX FL XXXX $ XXXX XXXX Transaction XXXX with description : OVERDRAFT FEE FOR A TRANSACTION POSTED ON XXXX {$36.00} PURCHASE WITH CASH BACK {$35.00} AUTHORI ZED ON XXXX XXXX Service Station XXXXOVERDRAFT FEE FOR A TRANSACTION POSTED ON XXXX {$36.00} PURCHASE WITH CASH BACK {$35.00} AUTHORI ZED ON XXXX XXXX Service Station XXXX $ XXXX Transaction XXXX with description : OVERDRAFT FEE FOR A TRANSACTION POSTED ON XXXX {$38.00} PURCHASE AUTHORI ZED ON XXXX XXXX XXXXOVERDRAFT FEE FOR A TRANSACTION POSTED ON XXXX {$38.00} PURCHASE AUTHORI ZED ON XXXX XXXX XXXX $ XXXX Transaction XXXX with description : OVERDRAFT FEE FOR A TRANSACTION POSTED ON XXXX {$10.00} PURCHASE AUTHORI ZED ON XXXX XXXX XXXX FEE FOR A TRANSACTION POSTED ON XXXX {$10.00} PURCHASE AUTHORI ZED ON XXXX XXXX XXXX $ XXXX Transaction XXXX with description : PURCHASE WITH CASH BACK {$35.00} AUTHORIZED ON XXXX XXXX Service Station XXXX FL XXXX CARD XXXX WITH CASH BACK {$35.00} AUTHORIZED ON XXXX XXXX Service Station XXXX FL XXXX CARD XXXX $ XXXX Transaction XXXX with description : PURCHASE AUTHORIZED ON XXXX XXXX XXXX FL XXXX CARD XXXX AUTHORIZED ON XXXX XXXX XXXX FL XXXX CARD XXXX $ XXXX Transaction XXXX with description : PURCHASE AUTHORIZED ON XXXX XXXX XXXX FL XXXX CARD XXXX AUTHORIZED ON XXXX XXXX XXXX FL XXXX CARD XXXX $ XXXX Transaction XXXX with description : PURCHASE AUTHORIZED ON XXXX XXXX XXXX FL XXXX CARD XXXX AUTHORIZED ON XXXX XXXX XXXX FL XXXX CARD XXXX $ XXXX Transaction XXXX with description : PURCHASE AUTHORIZED ON XXXX XXXX # XXXX XXXX XXXX FL XXXX CARD XXXX AUTHORIZED ON XXXX DOLLAR TREE # XXXX XXXX XXXX FL XXXX CARD XXXX $ XXXX Transaction XXXX with description : PURCHASE AUTHORIZED ON XXXX XXXX Service Station XXXX FL XXXX CARD XXXX AUTHORIZED ON XXXX XXXX Service Station XXXX FL XXXX CARD XXXX $ XXXX Transaction XXXX with description : PURCHASE AUTHORIZED ON XXXX XXXX XXXX FL XXXX CARD XXXX AUTHORIZED ON XXXX XXXX XXXX FL XXXX CARD XXXX $ 1.49- They continuously misrepresent debits!
Product: Credit card

I decided to check my credit report today XX/XX/year> and noticed a credit card was added to my account that I had XXXX knowledge of. It seems to be a JPMCB credit card so I tried calling Chase Bank customer service in which I cant get by the automated system because I cant provide the XXXX digit debit number. So I went to XXXX and XXXX to file disputes and freeze my credit until I have this situation fixed. The account information I do have is that it was opened XX/XX/year>. This is what I have of the debit number XXXX Besides that I can see the credit limit and amount owed on the card. I hope I could get some help removing this account from my name.
Product: Vehicle loan or lease

I get my payment taken out of my account automatically every month to avoid it being late I have never missed a payment in French 2021 ally bank returned my payment I called them deb 3rd to Ask why and to pay my bill so it didnt report past due or not paid on my credit they assured me my payment pasted and cleared and Eve would be fine I told them I could pay today so that nothing happeneds to my account she once again assured me that it was fine my acc was paid and up to Date I asked her to note in my acc what was going on she said all calls are recorded so if they need to go back and listen to the call they can well 2 weeks later XX/XX/XXXX my car note is reporting not paid! I tried to call and now they are giving me one week to Come up with the money and not going to fix the credit reporting factor! This is wrong and I am very upset that due to a system error on there side my credit will take a hard hit
Product: Credit card or prepaid card

This company is a joke. It does not show me my balance amount as of each transaction. Every other company does this, XXXX XXXX and XXXX XXXX XXXX except this. For example, I have {$1000.00} balance, spend {$3.00}, the balance should display as {$1000.00}, and so forth on each transaction line. Show the balance amount on each transaction line. Have a manager call me back and fix the problem. 
This is an easy problem, fix it, and stop acting like a bunch of boring guys in suits, and do your job. Please have high end technology director call me up. I do XXXX XXXX for a living.
Product: Mortgage

In XX/XX/2018, we were notified by Fay Servicing that we were denied a loan modification. We spoke with our representative, XXXX XXXX, and he advised us to fill out paperwork to appeal the decision and apply for a modification. We emailed and sent a copy via certified mail on XX/XX/2018 of the appeal and the paperwork. We have not received any information from Fay Servicing since by either mail, email, or phone call. XXXX XXXX said that we would receive a decision within 30 days by mail. We have not received any letter or have had phone calls returned about our modification.
Product: Mortgage

Round point merged or XXXX bought them out not sure but there are multiple 30 days late, 60 days late, 120 days late on our account when Roundpoint didn't even own our account XXXX did. Now we have sold our home and now can't get another mortgage because of this discrepancy. I want this taken care if. If we didn't have Roundpoint since XXXX how can they report us late in XXXX??
Product: Credit reporting or other personal consumer reports

I have filed a fraud alert because my credit card was fraudulently used. However, I see unauthorized inquiries on my credit report. 

These inquiries include : XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX )
Product: Mortgage

On XXXX XXXX, U.S. Bank received my Funds to pay off my mortgage/discharge. 
U.S. Bank went into default by refusing my payment in good faith and honor. 
House Joint Resolution 192 was passed to suspend the Gold Standard and abrogate the gold clause in the National Constitution since then no one in America has been able to lawfully pay a debt.

A promissory note can not exceed the life span of nine months. 
The promissory note is a Security. 
Please cancel any and all contracts with U.S. Bank/Bancorp All Rights Reserved UCC 1-308
Product: Credit card or prepaid card

made a purchase and I was given a price of XXXX per shoe. The store charged me XXXX per shoe instead. I called to dispute the charge and they stated they could not dispute the charge because the receipt said XXXX so they are allowed to charge XXXX even tho I was verbally advised XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XX/XX/XXXX Incorrect Name - XXXX XXXX Incorrect DOB - XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, MA, XXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX
Product: Credit card

I am contacting your agency because I need your help in disputing some charges done on my Mastercard At & t Universal credit card by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid XXXX company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a charge of {$2500.00} done on my card by XXXX charged twice on XXXX/XXXX/2015 and XXXX/XXXX/2015, total of {$5000.00}. They contacted me by an unsolicited phone call they promised me a banner, an ad placement, vip placement, 3 month ad placement, they would promote XXXX website.They kept saying how important their services were and would bring traffic to my website. was their Supposedly leads and visitors to website. I never got any results of their work.I did not get any benefits from it. I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with them and get my refund but they ignored my requests.
Product: Debt collection

In 2008 I was in a car accident which caused me to go to court pay restitution. All off the restitution and court fines and fees were oaid promptly ( mostly out of my bail money ), Since my monetary commitment to the court was taken care I thought I had taken care of at least the monetary portion of the " punishment ''. After 3 years all the charges were dropped to misdemeanors and I waited the 5 years that they suspended my license at which point I thought I could reapply for the driving test and get my license back but instead I was told that I owed the DMV over {$1300.00} in fines and fees. This was never discussed before or else I would have taken care of them with the rest of the fines and fees of the court. Instead of telling about them either through the phone or the mail they instead waited a whole 72 hours and then gave them to a collections agency which has been accruing interest over that past 5 years.I was told that if I made a {$250.00} payment to this collections agency they would allow me to take the test as long as I agreed to make monthly payments to the collections agency. This seemed wrong to me.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM XXXX THE DOCUMENT NEEDED AS A LETTER FROM THE XXXX  XXXX  HELPING ME DUE TO XXXX XXXX DEBT BONDAGE, WHICH FALLS UNDER XXXX  ACCORDING TO XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX {$6800.00} XXXX XXXX  XXXX {$380.00} XXXX XXXXXXXX XXXX XXXX {$2800.00} XXXX XXXX XXXXXXXX {$270.00}
Product: Credit card or prepaid card

I write regarding the closure of my capital one credit card on XX/XX/2020. On XX/XX/2020, I learned that my card was restricted due to fraudulent activities and someone from Capital One would be in-touch to inquire. On XX/XX/2020, I contacted Capital One and was transferred over 6 times to different people and received no help. Finally, I learned that my account was closed due to two payments that were returned. I have my monies transferred to XXXX XXXX, which I then transfer to XXXX XXXX ( I am in-process of home shopping and I use XXXX XXXX for saving purposes ). Due to COVIS-19, branches are very limited and staff members have been impacted, which has affected the way I transfer my money. 

When I learned both times that my monies were returned, I immediately contacted Capital One and verbally/clearly explained the issue. I even asked the representatives to process another transfer so the payments could be extracted. I also wanted to note that pre-COVID-19, my payments were on time, in-full, every month. 

Today, XX/XX/2020, I contacted Capital One, once again to speak to someone who could help, but was once again transferred over 4 times. Since all calls are recorded, someone in Leadership of Capital One can verify. I am asking that my account please be re-opened. I am preparing to purchase my home and my credit score has dropped 45 points and I worked too hard to let this happen. I opened this secured credit card to build my credit, which I have been doing -- I have an exceptional payment record with Capital One. I would like a reversal because I am being negatively impacted, I have done my due diligence to resolve this matter but have received no help.