23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Repeated calls from Northern Hills Collections agency. Idk what the debt is about. I have told them several times to stop contacting me. They have now started calling my girlfriend and her family members to talk with them about me. I don't even know how they got their numbers. This is unacceptable and has to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My account balance was discharged in a Chapter XXXX Case # XXXX filed XX/XX/XXXX and converted to a Chapter XXXX XXXX filedXX/XX/XXXX. To date the financial institution has continued to report my account negative to XXXX XXXX. I was granted relief from this debt and I want the account removed from XXXX XXXX immediately.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

AMEX XXXX Opened : XXXX/XXXX/2012 Balance : {$42000.00}
Product: Credit reporting

The balance on my XXXX XXXX XXXX account was settled and should now be at a XXXX balance.
Product: Debt collection

I am not liable for this debt with XXXX XXXXXXXX XXXX XXXX XXXX  and I do not have a contract with ARS plus they did not provide me with the original application like I asked. 
Account No : Amount Disputed : XXXX {$510.00} XXXX {$510.00} XXXX {$510.00} XXXX {$510.00} XXXX {$530.00}
Product: Money transfer, virtual currency, or money service

I Paid {$200.00} for a dumpster rental they took my money and ran away no dumpster was provided!!! The Cash app allowed fraud to happen keeping my money with out providing the service so sad it's fraudulent!! 

Cash app ; is not refunding my money and allows the individual to continue to accept fraudulent payments I reported the fraud to cash app they are doing nothing lots of shady business going on there should be some regulations!!! 

fraud like this needs to stop!!! 

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

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the XXXX and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Product: Credit card

XXXX XXXX through phone conversation agreed to 1 bottle of pills. 
XXXX XXXX XXXX received 5 bottles of Hemp Gummies! which I immediately disputed at Comenity bank 's website, a {$190.00} charge and contacted the company by their requested email. Heard nothing back, so I mailed back the pills. 
XXXX XXXX Received postal proof that the company received it. They then contacted me and said without an RMD number, they couldn't give me a refund and had to destroy the unopened bottles of pills. 
XX/XX/XXXX, XXXX Comenity sent letter stating my case was under investigation, asking for any new information. I re-sent the entire packet of information, including the latest above. 
XXXX XXXX received letter stating that they are currently researching my claim. ( I assume here that they used my last letter giving more information as a new claim ). 
XXXX something- I find out that Comenity has not been taking out my auto payments as agreed from the start of my credit card payments. I called and made a phone payment of the entire balance they told me I owed. 
XXXX XXXX Told me I owed {$51.00} in finance charge. I paid this under duress due to harassment, and closed my card. 
XXXX sent letter to Comenity asking for the return of my {$51.00} finance charge as it was their fault for stopping agreed XXXXupon auto payments. 
XXXX received letter stating this claim was being researched. 
XXXX received phone call stating I owed {$42.00} in interest. 
XXXX Checked XXXX and found my credit rating had gone down over XXXX points due to this! 
XXXX Called Comenity and asked to speak to supervisor. I did, and was told the matter would be cleared up and within 48 hours, I would have a XXXX balance. 
I have received no proof of this, and no way to find out until I get the next phone call asking for more money!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at XXXX trying to apply for a credit card. As they submitted my information I was told I was denied and that it could be due to a low credit score. I wondered for days what could be the other reason for this. I knew I had outstanding credit, I got my credit pulled and found out the problem I am a witness of identity theft. Most of these open accounts that have been open for a while do not belong to me. Please remove these items from my account. Thank you. 

XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX   XXXX {$2100.00}
Product: Credit reporting or other personal consumer reports

On XXXX I was under attack by vicious scammers. It originated with a phone call telling me my XXXXXXXX XXXX XXXXXXXX card was compromised. That whole weekend they kept me on the phone. Telling all kinds of stories that people had my card and they were going on a cruise to the XXXX etc.. They also let me know that they realize that my Discover Card was compromised as well. The phony XXXX agent instructed me that a policeman would be coming to my house to pick up the two cards, my Visa and my Discover, so they can continue investigating what was turning into a nightmare scam. After the so-called policeman picked up the cards, the scammers went crazy. Charging all kinds of items and very expensive electronics. XXXXXXXX XXXX worked with me, hand in hand to sort out the mess.They immediately took action and had all of the charges of which there were many reversed. Discover Card on the other hand, treated me very poorly. They said they were investigating and because of the circumstances, it was my fault that the credit card was used. The scammers racked up over {$12000.00} in purchases all over XXXX Florida. I live in XXXX Florida, and I honestly didnt recognize the names of the towns where a lot of the purchases were made. I am an XXXX XXXXr-old woman and Im practically XXXX at this point. I take care of a very ill husband and a daughter who is paralyzed from drug use. As you can see my life is not exactly easy. This whole scam and identity theft has really made my life miserable. I did everything Discover said to do. I got a police report., made a list of all the charges that were made and filled out Discovers official report. Discover showed no interest in, trying to help me with a resolution to this problem. They insist that I authorize the charges which I did not. I got absolutely no alerts warning me about anything going on with Discover. ive had this threatening black cloud hanging over me since the scam began. How they continually insist that I authorize these purchases when I was nowhere near any of these place, is very disturbing. I found out that the way they got all of my information was through my phone. Somehow they did get control of my phone and was able to get my pins and passwords, etc. why these people cant use their productivity to do something positive is beyond me. As a retired elementary school teacher it really breaks my heart to see the direction that our world is going. 
Please let me know if you need more information from me. Thank you very much for your kind attention to this matter. 
Best regards, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite all my efforts to confront the Credit reporting Agencies regarding the Fraudulent information from my Credit File, the Credit Bureaus became lazy and did not comply with the FCRA regulation section 605b and continued reporting of unverified information to my Credit File. Due to the Credit Bureaus becoming lazy, it became a huge problem for me to properly contact the Credit bureaus and inform them regarding the fraudulent information on my Credit Report. I have sent a letter disputing the fraudulent items from my Credit File on XX/XX/XXXX and have been sending countless letters having the same message that is to remove the items that resulted due to identity theft. But the Credit Bureaus have never even once paid attention to my letters neither respond. I came to realize that my efforts are useless since the Credit Bureaus are best at doing nothing to pay attention to a consumer 's requests. I am frustrated by this and tempted to take legal action againsts the Credit Bureaus. By submitting this complaint through the CFPB, I am looking forward that the Credit Bureuas would take immediate action and remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$570.00}
Product: Credit reporting

We have had our mortgage with Freedom Mortgage since XX/XX/2007. Sometime early on they began using a service company called XXXX. We did not send any payments to them as we did not understand what this is all about. Each and every single, on time payment has been made to Freedom Mortgage also indicated for what month and year the payment was made. They then advised us they took it back from the service company and gave the mortgage loan a different number. We have continued and have always made the mortgage payments on time and accurate. However, on a consistent basis they continue to send us a huge balance stating the payment was not received or is late. And then finally after speaking to several agents, a revelation came to me. This agent had said that the Loan service company is getting the payments and depositing them into their account that is XXXX as Freedom Mortgage uses XXXX. That it will take a long time to straighten out. The mistake is on their part and not on ours however they continue to hurt and report negative to the XXXX credit bureaus not allowing us to refinance with a different bank or mortgage company at a far lesser interest rate : That is why it is not important to them as with Freedom Mortgage we are at a 6.75 % interest rate. Oh if only you knew how exhausting this was. We have seen a lawyer, we have sent several letters to Consumer Financial Protection Bureau, XXXX and the Federal Trade Commission. Please, Please I am begging, pleading, praying and believing you can help us.
Product: Credit reporting or other personal consumer reports

I called Transunion to get my credit report on XX/XX/XXXX, XXXX and after receiving it, I noticed there were some hard inquiries that do not have permissible purpose according to 15 USC 1681b. I also Attached my credit report and letter showing that Transunion is in violation of the FCRA.
Product: Mortgage

Last year, I was experiencing some financial difficulties paying my mortgage with PNC due to job layoff. An attorney contact me from California stating he could assist me in getting my home refinanced at a lower mortgage rate under the HAMP program which did not occur. Instead, I was given an extension on my loan to pay it out for a longer duration under HAMP. Up until this time, I had NEVER been late on my mortgage. Since then, I have been harassed by the PNC collection department, every month that roles around about paying my loan which is not late. I pay my loan every month and it is not late. Last year, I was harassed daily 7-8 times each day by their collections department and it affected my health. I do not know how to get this stopped, but there must be some law in effect that would be helpful to me. I know I am not the only person experiencing this treatment, as I have spoken to others who are also PNC mortgage holders contacted by the same lawyer who called me about the HAMP program. If I am not LATE on my mortgage with PNC, then I should not get calls. It is just unnecessary harassment and stress that I do not want or need in my life and want it stopped!!! Hands down PNC BANK is the WORST mortgage company I have ever dealt with and I have owned several homes in my life. No one should be subjected to this kind of treatment! It is in human and they need to be held accountable!
Product: Debt collection

Hello, CFPB. I am sending the attached correspondence to American Express. This company has committed multiple violations to the Fair Credit Reporting Act.

Some of the violations : 1. Inconsistent credit report.

2. Reporting incomplete information Please send the attached documents to American Express. 

Thank you!
Product: Credit card

Called XXXX XXXX  and requested specialty dinner for XXXX passengers within my group. Was informed by XXXX agent should could only make XXXX reservations at a time and that we would need to make XXXX reservations. The XXXX agent said she could do that. We proceeded and made the initial two reservations and charged my credit card 2 times ( with my approval ). When making the third reservation she informed me the restaurant was now sold out and she could not complete the reservation request. I asked her to cancel the 2 reservations that were made and she stated she had ands the charges would be reversed. 

The credits never appeared and I contacted Citibank and disputed the charges. Citibank contacted the merchant and the merchant did not present any documentation. After two attempts Citibank stated since the merchant did not respond no credit / charge reversal could be completed. I have requested documentation and none can be provided. XXXX claims to record all conversation for security and accuracy reasons and should be able to confirm the conversation. 

Citibank writes : " We have made every attempt to resolve your dispute with the merchant. They are unwilling to issue a credit to your account and have informed us that this charge is valid. While we can understand your desire to obtain a credit to your account, we can not mandate that the merchant issue a credit outside of their terms and conditions. Therefore, we have no recourse available to recover the funds. However, if you wish to pursue this matter, you may contact the merchant directly to resolve. '' The merchant can not just say it is valid, they must offer documentation.
Product: Credit reporting or other personal consumer reports

I was trying to unfreeze my credit when applying for a new apartment lease. 

I went to the Experian site and the old login info I had didn't work. When i tried to recover/reset this information, first " they said '' ( ie, all automated responses ) my phone number didn't match their records, then i tried to do it with my Soc # and DOB and they said THOSE didn't match their records. Those of course have never changed and I became concerned by account had been compromised. 

I then spend an hour being bounced around their terrible automated call system. The one human being i finally spoke with confirmed that she was seeing my soc # and DOB correct on my account, but couldn't help resolve my ability to access my account, for that I would need to talk to " Membership ''. Each time I was transferred to membership the automated system asks for my social security number and date of birth which is then says it can not verify and says there is no way to talk to a human being to resolve. So, stuck in a doom loop there. 

Then I tried to email Experian and received the same form letter back 3 times in a row with no indication that any human was actually reading the details i was providing. The emails kept asking me to log in to give them my account number, which is precisely what I can not do. Completely maddening that a company with so much power over consumers is so unreachable and unresponsive. I'd be grateful if you could help me resolve in any way. 

Thank you.
Product: Debt collection

I have recently sent letters to dispute medical collections on my account to the Collection Agency, I was requesting verification that this was in fact my account, I did not receive verification, however I did receive copies of the procedures that were completed.. this is a HIPPA violation. I have requested that these files be removed from my XXXX CB, I received response from XXXX that this account was verified as accurate and updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion File # XXXX Date XX/XX/XXXX Transunion has on my credit report ( XXXX ) unknown XXXX XXXX XXXX Transunion has on my credit ( XXXX ) unknown as Transunion has on my credit some months a ( XXXX ) for months and then Transunion has XXXX. The reporting is not correct as Transunion has XXXX XXXX XXXX. Transunion. On all ( 3 ) XXXX XXXX XXXX loans are not correct it goes as long as a year ( XXXX ) showing and as Transunion effects my credit due to there not reporting right or updating as XXXX XXXX XXXX sent back to me from XXXX as of XX/XX/XXXX that all correct information was sent out to all 3 credit bureaus. Transunion need not report or go months with an ( XXXX  ) as unknown and not update correct on my credit file. It makes no sense or poor reporting practices and information by Transunion not correct.
Product: Student loan

My automatic loan payments continue to me misallocated. I receive phone calls every month indicating that i am past due on my federal loans. I call Navient to investigate and after 30-60minutes on the phone it is discovered that my loan payments ( to loans " 5 & 6 '' ) were misallocated. The loan payment is then re-allocated correctly. I am told the problem is fixed. then 2-3 weeks later I receive another voicemail on my home phone " this is XXXX from Navient there is an important matter to discuss regarding your student loans. '' I call, the same probalem ; the problem is " corrected again ''. Every month for the past several months I have to fix this problem. there does not appear to be any end in sight. Navient does not seem to know how to correct the problem. I am being harassed with daily phone calls on a monthly basis for a problem in their system which they can not fix. I want a permanent resolution to this problem. I have n't had a late loan payment in & gt ; 10 years. I do n't want Navient to ruin my credit, because they are too incompetent to fix the problem with their computer system.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXXXXXX