23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called Renton Collections bc I saw a negative reporting on my credit report. After being placed on hold and transferred numerous times, a gentlemen told me what it was for. He said he couldn't accept my XXXX month minimum payment and they do not offer settlements. So he said he needed to transfer me to another person that I could talk to. This persons name is XXXX. She immediately asked why I was calling her and I told her I was transferred to set up a payment plan. She then told me XXXX/month. I told her that I'm unable to pay that much at the time and she started yelling at me saying obscene names. She said that it wasn't her XXXX problem that I couldn't pay it and what a loser I was. I asked what her XXXX name was and she said that it was none of my XXXX business. I then asked to speak to her boss and she said was the boss. So I asked if I could speak to someone above her. She said she was the boss and that my broke XXXX needs to pay the bill or shes threating garnishment today. I said what if I file bankruptcy? She said not if I beat you XXXX and hung up the phone. Ive never been treated so horribly to try and pay a bill!
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased 2 items on one order and was charged for those items on a XXXX credit card which is serviced by XXXX. The amount was {$500.00}. I was returning the smaller version of the same items and was credited for those items on XXXX. I made a payment in the amount of {$500.00} on XXXX which took into account the return plus the new purchase and I was close to payoff, essentially paid in advance for the new purchase. However, I was charged a second time with a higher charge at delivery date. 

I have learned that XXXX  XXXX  is a third source company. XXXX uses a second company for billing which reports charges to XXXX. I recently opened this card so it's taken time to understand and is confusing. Although XXXX shows the order placed on XX/XX/XXXX, they are not looking at the details as it's the same item but larger size. Ive sent statements and contacted both XXXX  and XXXX and XXXX is still reporting in error, XXXX  will not place on hold as now I have disputed this charge a second time as payment is due XX/XX/XXXX and I should owe nothing. No one is looking at the details supporting my claim because if they did it would show I don't owe XXXX.
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report and this is the second attempt for them they violated my rights the first time and after my complaint the bureau removed it and now they come back in a different name like it's a jungle i did a new police report again. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX 1. XXXX XXXX XXXX/ XXXX 2. Inquiries : XXXX XXXX, XXXX XXXX VIA DEALER, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX # XXXX, XXXX Account XXXX XXXX, XXXX / XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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.
Product: Debt collection

I have never been notified of this debt nor is this mine, I have disputed several times with nothing received back. Please help Phoenix Financial # XXXX
Product: Payday loan

I am very disillusioned with the United States Credit Reporting system. Exorbitant medical billing causes financial burdens and can be used to ruin peoples credit numbers. 

This puts retired people like myself to resort to payday lending companies that charge 300 % interest and will not listen to reason like reducing the interest to 50 % .. 

Then they use tactics to make things worse. 

CashNetUSA original company. 
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

I sent letters disputing my accounts on my Transunion Credit Report. Company stated that status was sent via email. I asked what email address they had and they responded they did no have an email address for me. They have not sent anything verifying my signature for any of the debts I disputed.
Product: Credit card

For several months XX/XX/XXXX I did not receive statements on my Capital One credit card. I was on the phone monthly trying to resolve the issue with them. They blamed the XXXX Postal service, but I believe the issue was with Capital One. Their representatives assured me that my payments would not be treated as late because I did not have statements to pay from. As soon as I received a statement, I paid it and even did a couple of wire transfers. Recently I discovered that they reported a late payment for XXXX XXXX. I have NEVER had a late payment in my XXXX years of credit card use and this should NOT be on my record since I did not have statement to pay from. Dating back to XXXX XXXX, I have contacted them several times to have this removed from my credit report. They agreed when on the phone but they never sent the update to the credit bureaus. Today, I conferenced XXXX and Capital One on the phone. During that call, Capital One stated that they never sent those updates to remove that from my record and that they were not going to. So, for months Capital One representatives have been lying to me. During my calls, they would never put anything in writing for me because of " policy, '' but I see now it was because they were flat out lying. A " Late Payment '' should NOT be on my credit report record because of Capital One 's issue with statement processing. This is the only blemish on my XXXX years of credit and I was NOT late. THIS IS WRONG! They are a terrible company.
Product: Credit card or prepaid card

On XX/XX/XXXX, Bank of America credit card services was supposed to send me a check for an over payment on my credit card. I over paid {$1400.00} and initially they said they would send me a check that I would receive in XXXX days. That check never came. I called back multiple times being told ; it would be placed back into my credit card account, then it would go into my checking account, then they would mail another check. In XXXX I received another check that was taped together. Im assuming this was a postal service issue. I have called two additional times after the check to let them know the situation and been told it will go back into the account and in my bank account. None of which has happened and Im still missing my {$1400.00} with no end in sight!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXo : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-o for {$1000.00} from XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit XXXX. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

There was an unauthorized transaction made on my account ending in XXXX on XXXX  to a place named XXXX in XXXX, AL. I informed the bank that this was not me. I reported my card as stolen as soon as I found out. 

My claim was denied by the bank, and their reason for denying the claim is my card was physically present at the location. Ive never been to this establishment. I have not given my card or card information to anyone.
Product: Credit card or prepaid card

On XXXX/XXXX/202 I received a call from XXXX XXXX XXXX, XXXX, Offering me a XXXX XXXX with Zero percent interest for the life of the card. 
I received a XXXX XXXX with Zero percent interest for only Two years, not what they offered. 
I called XXXX XXXXXXXX XXXX and their number was not in service I called XXXX and they had no affiliating with XXXX XXXX XXXX. 
I attempted to dispute the charges with my credit card /Barclay and they said the charges stand because I gave them my information I am responsible even though, XXXX XXXX about the interest free card and their affiliation with XXXX .
Product: Debt collection

I have items on my consumer credit report I dont recognize. I XXXX XXXX did not open these accounts, therefore they are fraudulent accounts. I dont a contract with any of these companies. I would like an investigation conducted, and these accounts deleted from my consumer credit report as soon as possible. 

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 : also states a consumer reporting agency can not furnish a account without my written instructions These accounts below are fraudulent, and would like them deleted immediately from my credit report. 

XXXX : Account number : XXXX open date inconsistent and or duplicate account Amount : {$8000.00} XXXX  : Account Number XXXX open date inconsistent Amount : {$8000.00} XXXX  : Account Number XXXX open date inconsistent Amount : {$590.00} but credit limit is {$500.00}. ( Inconsistent ) open date inconsistent XXXX XXXX XXXX XXXX : Account number XXXX XXXX  open date inconsistent and or duplicate account. 
XXXX XXXX XXXX : Account Number XXXX open date inconsistent XXXX XXXX : Account number : XXXX inconsistent XXXX XXXX XXXX : Account number : XXXX inconsistent. Not mine, do not have a contract with them.
Product: Mortgage

Rushmore is reporting a balance and past due with XXXX lates on an account that has the last payment date of XXXX and sent out 1099s to report to taxes. The reporting has been ruining our credit for years! Look at the credit report screenshot we included.
Product: Debt collection

Someone stole my identity and got loans in my name. This has been going on for ar least 3 years. I have a pretty good idea of who. XXXX XXXX, XXXX XXXX and a few more ppl. I even think they got our daughter involve which XXXX is my child father. XXXX XXXX I have never got a loan for only my car. LNDING FUND I know nothing about XXXX
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft. currently the FBI has informed me that they are investigating the suspect by the name of XXXX XXXX. i have not applied for any credit, nor have i caused any inquiries since XXXX the following information has been my only information since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, i have never applied for student loans nor any loans. i am XXXX and have never had an employer. i have never had a bank account and the only credit account was from XXXX : XXXX XXXX. i have never lived in an apartment nor have any evictions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to get and review a copy of my credit report.After this review, I noticed the following accounts reporting in error.I believe these errors that were not caused by me may affect my ability to get a loan. I write to you and request these accounts to be in good standing as soon as possible.I appreciate your assistance in advance. 

Account name : XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type XXXX XXXX XXXX XXXXXXXX name : XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Credit Card Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : XXXX  XXXX name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Collection As you can see it is very important for my credit file to consist of only accurate and verifiable information, with respect to the Fair Credit Reporting Act. Ignoring my letters will not be accepted. I can tell what has been reviewed by the dates of the activity present in your report. I will be anticipating your response and I look forward to viewing my corrected credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card company is reporting an account on my credit reports with XXXX and TransUnion. I do not have a credit card with XXXX and never have. They have refused to remove this incorrect information and it is adversely affecting my credit score!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments posting to my report that was in fact paid on time. The Consumer reporting agencies shall report all information with complete accuracy.

Pursuant to 15 U.S. Code 1681e Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

In fact according to the consumer these accounts have not been reported late on payments. I have attached a copy of my report to this complaint on the following dates. 

XXXX : XXXX XXXXXXXX XXXX XXXX Acct : XXXX Reported Late : XX/XX/XXXX 30 days late Status : Paid/Closed 60 days late XXXX XXXX XXXX XXXX Acct # XXXX Reported Late : XX/XX/XXXX, 30 days late Status : Paid/Closed Equifax : XXXX XXXX Acct. XXXX Reported Late : XX/XX/XXXX 60 days late Status : Paid/Closed
Product: Vehicle loan or lease

Mercedes-Benz Financial Services, the lender, originated a loan in XX/XX/XXXX for me, the borrower. The loan amount is {$34000.00} with a term of 66 months and an interest rate of 2.99 %. I called the customer service department of the lender in XX/XX/XXXX and questioned the calculation of payments but was told that they were all accurate and correct. This month ( XX/XX/XXXX ) the loan has been fully repaid. In total, the borrower has made payments of {$37000.00}. Of that amount the interest payment is {$3200.00}. Based on the loan amount ( {$34000.00} ), term ( 66 months ) and interest payment ( {$3200.00} ), the lender has actually charged the borrower an interest rate of 3.28 % rather than 2.99 % of the loan agreement. 

I am here to file a complaint that the lender has misrepresented the loan and overcharged the borrower for interest.
Product: Mortgage

I applied for a mortgage refinance with Guaranteed Rate, Inc in order to refinance my primary home ( XXXX XXXX, 2016 ). During this time I worked with a mortgage banker for their company in order to get a good rate for refinance. 

In the course of doing business with them, it came a time where the company refused to give me an updated Loan Estimate unless I completed a {$400.00} appraisal deposit to " move to the next step in the process. '' I paid that fee ( XXXX XXXX, 2016 ) and still was not able to receive the updated Loan Estimate. Due to this I decided to cancel my application with the bank and go with another provider who was more willing to work with me. 

After I cancelled my application with them, I was told that I would receive back my deposit, as the appraisal was never completed. I was told that it typically takes up to a week to receive back the deposit. As of today ( XXXX XXXX, 2016 ) I have yet to receive back the {$400.00} that I paid in deposit to this company.
Product: Debt collection

Hunter Warfield is stating I owe them a debt in which I DO NOT. All amounts were paid before I left the rental company. Spoke to the manager of the rental company they charged extra but requested my family to leave the premises by XXXX XXXX, 2016. In which we did, they kept our security deposit to now receive a letter from Hunter Warfield on their behalf. We are not responsible for the move out fee 's before 60 days as we were requested to be out. We do NOT owe this debt!! <P/>We 've sent debt validation letters and they 've refused to respond.
Product: Mortgage

I HAVE APPLIED FOR HARDSHIP ASSISTANCE DUE TO FINANCIAL HARDSHIP, I NOW HAVING TO TAKE CARE OF MY ILL DAUGHTER AND MY CURRENT FIGHT WITH XXXX AT AGE XXXX. I WS DENIED FOR HELP PER MY SERVICER " THE OWNER OF MY MORTGAGE HAS THE RIGHT OF APPROVAL AND HAS DENIED BASED ON A BUSINESS DECISION ''. HOWEVER!! THEY THOUGHT THE BEST DECISION WAS TO APPROVE ME FOR A REPAYMENT PLAN! LET ME EXPLAIN TO YOU MY INCOME VERSUS THEIR BUSINESS DECISION SO YOU CAN UNDERSTAND VALIDITY OF SITUATION. MY FIXED INCOME FROM XXXX IS A TOTAL {$4200.00} GROSS AND {$3300.00} NET, THE REPAYMENT PLAN SPS AND MY INVESTOR STATED I WAS APPROVED FOR AS THE BEST OPTION IS {$4600.00}!! THAT IS MORE THAN COMBINE GROSS THAT WE MAKE. 

AS YOU CAN SEE THEY ARE NOT INTERESTED IN HARDSHIP ASSISTANCE BUT TO PUT SOMEONE IN GREATER HARDSHIP TO INSURE I LOSE MY HOME. WELL, THAT IS NOT GOING TO HAPPEN, I WILL SUE AS WELL AS I AM WRITING/CALLING MY CONGRESSMAN AS WE SPEAK AS WELL AS MY ATTORNEY GENERAL BECAUSE THIS IS EXACT DEFINITION OF PREDATORY LENDING AND AGE DISCRIMINATION. 

I HAVE PURCHASED MY HOME IN 2005 AND HAVE NEVER ONCE RECEIVED ASSISTANCE AND IF THEY WOULD RESET MY LOAN TO 30 YEARS WITH TODAYS CURRENT RATE I WOULD BE ABLE TO MAKE MY PAYMENT AS IT WOULD BE LOWER. HOWEVER, THEY WILL NOT BECAUSE THEY FIGURE WHY DO THAT WHEN I WILL BE XXXX XXXX XXXX, SO LETS JUST TAKE THEIR HOUSE NOW. 

I WILL NOT BE VICTIMIZE BY ANYONE LET ALONE BY MY INVESTOR AND SERVICING COMPANY. 

I HAVE ATTACHED THE OUTRAGEOUS REPAYMENT PLAN AND MY FINANCIAL FIGURES TO SHOW THAT THEY ARE ONLY INTERSTED IN TAKING MY HOME. 

WE WILL SEE WHAT SPS AND MY INVESTOR HAS TO SAY TO MY CONGRESSMAN XXXX XXXX AND ATTORNEY GENERAL XXXX XXXX. 

HOW DARE YOU TRY TO TAKE ADVANTAGE OF SENIOR CITIZENS, SHAME ON YOU!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had XXXX point in XXXX. 
Yesterday my point disappeared into the XXXX XXXX I have no car I make all payments there is no reason that XXXX points can magically disappear. 
Im moving into an apartment I save up points for. Now Im learning that my points are missing and not XXXX point or XXXX but XXXX points in a month are gone. 
What happened? 

I have been calling to fix this XXXX sees also that this raised a red flag because its impossible that I have no score when I have a score so I need to do all I can to fix this.
Product: Credit reporting or other personal consumer reports

I had three cd accounts that I paid and full and close but I dont see anything showing that I did it still showing as opened on XXXX XXXX and on XXXX XXXX Can you verified it and update it and send me a updated report for me to confirm
Product: Credit card or prepaid card

I CHECKED MY LAST 10 TRANSACTIONS ON XX/XX/20. ON XX/XX/20 THERE WAS A CHARGE FOR XXXX MADE TO MY ACCOUNT FOR A COMPANY CALLED XXXX XXXX FOR MY XXXX XXXX. I HAVE NEVER CONTACTED OR PURCHASED ANYTHING FROM THIS COMPANY. I HAVE TRIED SINCE XX/XX/20 TO RESOLVE THIS ISSUE WITH BANK OF AMERICA WITH NO RESULTS. I HAVE SPENT ALMOST EVERY DAY ON HOLD WITH THEM TO CORRECT THIS, FOR A TOTAL OF 27 1/2 HRS, AND I STILL HAVE NOT BEEN ABLE TO TALK TO ANYONE IN THEIR CLAIMS DEPT. NOT TO MENTION I HAVE TO GET UP AT XXXX XXXX TO CALL WHEN THEY OPEN. EVERY TIME I HAVE CALLED I SIT ON HOLD FOR BETWEEN 1 TO 3 HRS AND NEVER GET ANYONE ON THE PHONE. I HAVE ALSO TRIED THEIR WEB SITE AND IT SAYS THEY CANT FIND MY ACCOUNT. WELL, THATS FUNNY BECAUSE I HAVE RUN ALMOST XXXX THRU THIS ACCOUNT. I WANT THIS CLAIM PAID. I NEVER BOUGHT ANYTHING FROM THIS COMPANY. I CANCLED THE ORIGINAL CARD ON XX/XX/20 WHEN I FOUND OUT ABOUT THE FRAUDULANT CHARGE AND WAS ISSUED A NEW ONE.
Product: Credit reporting or other personal consumer reports

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. LEXISNEXIS clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy XXXX XXXX. XXXX If LEXISNEXIS can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.