23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX  The purpose of this compliant is to resolve a dispute with XXXX XXXX XXXX XXXX and Credence Collection Agency. After three long years with XXXX XXXX XXXX, I decided to part ways with the company due to several issues including my monthly bill. XXXX XXXX XXXX continued to bill me for two lines after the second line was transferred to another phone server by my brother. After the second line was transferred XXXX XXXX XXXX continued to bill me for two lines months after the second line was transferred. I took on the initiative to contact XXXX XXXX XXXX XXXX to discuss this billing error on my bill. I was informed by the billing department that the correction will be made, and it will reflect on my next bill however, I was informed that I will not be credited for the few months that I had paid for two lines instead of a single line. Unfortunately, XXXX XXXX XXXX continued to bill me for two lines after I communicated to them of the error. The agent did apologize for the error and informed me that they will credit my account. The funds were debited from my bank account and was never credited as promised. Considering these unfortunate situations, I decided to part ways with XXXX XXXX XXXX XXXX and transferred to another cell phone carrier. I executed a call to XXXX XXXX XXXX XXXX, to resolve any billing and or charges that may impact me in the future. The agent request that my bill was zero dollars and request that I stay with them as they are trying to make all effort in correcting my bill. The agent also offered me discounts which I refuse to accept and request my account closed. The very day, I transferred my cell phone service to another carrier to start afresh. On XX/XX/XXXX; 2020, I received a bill via XXXX Mail from a bill collector representing XXXX XXXX XXXX XXXX for the sum of {$160.00}. I then initiate a call to the bill collector to amicably resolve the billing error. I informed the bill collector that I do not owe XXXX XXXX XXXX any money and this must have been an error. They insist that I pay one half of the bill and they will in turn clear the account. I request they contact XXXX XXXX XXXX  Cellular to rectify the bill and that if anything XXXX XXXX XXXX  owes me funds that I paid to them for several months when I was charged for two lines instead of a single line. In any case, the bill collector threatened me that they will report these charges to the credit bureau and wreck my credit worthiness. I kindly request you please investigate and resolve this matter promptly to avoid these charges to negatively impact my credit worthiness. I have attached the collection document to this complaint to assist with the resolution of my complaint Sincerely XXXX XXXX XXXX. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IN XXXX. 
Telephone : XXXX Account number : XXXX Credence Credit Collection Reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX www.credenqerm.com
Product: Checking or savings account

I have attempted to file a dispute. The company is a bunch of unprofessional clowns on the phone. They sent my dispute forms to the wrong address. I have been unable to reach the dispute department and left three different messages fir them to call me back which they have not. I began to tell my story to an agent from that department today, after holding for 30 minutes and she immediately hung up in my face.
Product: Debt collection

I suddenly received multiple bills from XXXX ( XXXX XXXX  XXXX XXXX ) AND RTR Financial services Inc. with no explanation of services or dates of service. One very large bill for {$1800.00} was from 7 years ago when my son was in the hospital. I never received that bill or any bills until this year. I finally after several requests got an itemized receipt for that bill. Are companies allowed to suddenly bill you after many years or is there a statute of limitations? Its a financial shock to receive multiple bills in the thousands of dollars at once. I hope the consumer has some rights here! 

I also received 3 other bills with no explanation of services or dates. I have called and spoken to the billing department of both companies many many times requesting itemized bills. I did pay one of the bills in the amount of {$440.00} because they did send an explanation of services with corresponding dates and i thought I was responsible. However Im still waiting on itemized bills for a {$640.00} bill and a {$340.00} bill. I have spoken to the companies about a dozen times. I dont want this to affect my credit but I think these companies are operating unjustly. I would appreciate advice and assistance as to my rights. Thank you!
Product: Debt collection

XXXX is reporting on my reporting and I looked it up to determine that the company is Allied Collection Services , Inc. With that said they do not have a collection license to collect in the State of Florida and need to Cease and Desist all collection activities on my report immediately. Also its interesting that the XXXX and XXXX are Verifying this debt continually and ignoring me asking for the method of verification. This is also a violation of the FCRA as they are willfully and knowingly breaking
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX XXXX {$2300.00} XXXX   XXXX XXXX {$970.00} XXXX XXXX {$0.00} XXXX   XXXX {$1700.00} XXXX XXXX {$2600.00} XXXX   XXXX  XXXX {$1500.00} XXXX XXXX XXXX XXXX {$120.00} XXXX  XXXX {$260.00} US DEP ED XXXX {$1400.00}
Product: Credit reporting or other personal consumer reports

I am a victim of Personal Information breached through Equifax Reporting Agency. In the breach of data in XXXX  Equifax failed to safeguard my nonpublic personal information. They are in violation of multiple laws as I am make my complaint. From inaccurate reporting to giving or selling nonpublic personal information to non affiliated companies. Not correcting information I have provided to them on several occasions. Lacking integrity, for the fact of not ever telling me my personal nonpublic information was breached. I found out on my own, and since verified with Equifax that indeed my nonpublic personal information was stolen.
Product: Consumer Loan

On XXXX/XXXX/2015, I went to Consumer Financial Services in an attempt to finance a vehicle. After, finding the vehicle I wanted, paying a down payment of {$500.00} and signing the contract, I waited for car to be brought around with the necessary registration. Soon after, the owner was unable to find the registration and advised his porter to drive me back to the car lot of XXXX XXXX XXXX to pick up some temporary plates. The porter drove the vehicle to the car lot and in route, the car 's engine blew up. I immediately advised that I was not interested in that car or any car from their lot, and would like my money back. The owner than informed me that he could hold my deposit until to 30 days, but would give it to me the next day. The next day came, no money, the day after and no money. Finally I contacted the police and they advised that they could do nothing, as this was civil matter, however, they would see if they could reason with the owner to give me my money back. The owner did not show up that day to speak with police or myself and kept having the ladies in the office to say he was n't there. On the 3rd day, he finally gave me a call to pick up my funds. Fast forward to XXXX XXXX, 2015, I pulled my credit report and found that Consumer Financial has put this car on my credit report even though I never received a vehicle from them and my deposit was returned. I contacted their office and they informed me that the car could not be removed from my credit until they sold it and hung up the phone. I tried calling back and once they knew it was me they would hang up.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered several inaccurate collection accounts on my credit report. These entries were reported without proper validation or accuracy, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. Despite contacting the relevant companies and providing documentation, these errors remain unresolved. 

Collection Accounts : Under 15 U.S.C. 1681s-2, furnishers of information to consumer reporting agencies must report accurate information. The following collection accounts are being inaccurately reported and should be removed : XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$430.00} Status : Collection/Chargeoff Date Reported : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$6500.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$7300.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXX Account Number : XXXX Balance : {$0.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX These accounts have been incorrectly reported, causing harm to my credit score and financial standing. I request an immediate investigation and removal of these accounts from my credit report, as mandated by the FCRA.
Product: Checking or savings account

I initiated a transfer of Asset from Optum Bank to XXXX on XX/XX/year>. Optum zeroed out my account on XX/XX/year>. As of today the fund is still not transferred over to XXXX. 

I made multiple phone calls and online written inquiries to Optum support and I was first told they sent a check on XX/XX/XXXX, then was told they sent it as a direct deposit. When I requested a trace on the direct deposit they came back and told me it was a check. 

I was also told that I could put a stop payment on the check and get it reissued by one agent, but when I tried to do that, another agent told me I had to wait. 

It just seem like their support department is confused and Optum Bank is holding my funds without justifiable cause.
Product: Money transfer, virtual currency, or money service

I took my workmens comp settlement there because the check was a suntrust check and i figured they would cash it. I opened 2 accounts with them and was told the money would be available in 3 days. I went back and they told me there is a freeze on the check because the check was red flagged for fraud. I checked out XXXX reviews and this seems pretty common with them. They wont give me any info about how is it fraud. They told me i have to wait 15 days to determine if the check will be cleared. If not cleared they will send my check back in the mail in 30 days. I wish i would have never went to this bank. They are terrible.
Product: Credit reporting

I have an employer from 2008 that is listed on my credit report that I was never aware of. I was employed for only 2 months with this employer and have no idea why they would be on my credit report. I have never signed anything from this employer that would warrant them to be on this report and it has been almost 8 years that this has affected my credit. I would like this removed. This was unjust and would please like a response. 
Thank you
Product: Debt collection

NATIONAL CREDIT SYSTEM reported to the credit bureaus that I owe a debt that I do not. I never had a balance with XXXX  realty and it was an error. I've contacted National Credit System about this error and they still falsely reported a debt that I don't owe.
Product: Credit card

I received an application from American Express promising XXXX point upon spending {$1000.00}. I called them after meeting the requirements and they say i do n't qualify
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

XX/XX/21 at XXXX pm I went into us bank to make a {$1600.00} cash deposit to my checking account. I gave the teller my California License and my check book. The teller asked where I worked and claimed this was standard with No Activity, then gave me a receipt for the deposit. On XX/XX/21 my account notified me of pending shortage, I checked the account to see that the funds were not there. I checked the receipt and the last four numbers on the receipt do not belong to my account. I have contacted the fraud and CSR regularly, given all agents the receipt information and I sent a email to area vp. It has been almost 30 Days and no one has returned my funds or reached out to attempt to correct this error
Product: Credit reporting or other personal consumer reports

I am disputing the bankruptcy listed on my credit report, as I have a court letter stating it should not be reported. The involvement of an unauthorized third party makes the issue even more concerning. I do not consent to any fraud alerts on my file. I did not authorize or benefit from the accounts in question and request that they be blocked and removed immediately. I am unaware of these record, likely due to the XXXX and XXXX data breaches.
Product: Debt collection

This is fraud I did not agree nor did I sign any agreement nor did I have knowledge nor did they have any usage of their card by me. I was put on as a user and or a card holder not by me with out my permission and or knowledge. all or most all of the companies are playing a game called XXXX XXXX XXXX After contacting them and asking for a copy of ( agreement, video of using their card showing the person accused of the debt I got the run around. Then the debt is sold off to a debt collector then to another with out given them any info of whom the card belong to. In Florida a spose is not responsible for their spouses debt.! But what do they care all they see is a target once they have the law on their side theirs nothing you can do but pay.!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, as I do once a year, I went to www.annualcreditreport.com and requested my credit report from all 3 credit reporting companies. I was able to view the XXXX credit report just fine, but when I went to XXXX it said I needed to call them first. I did call them but was diverted to a phone loop that ultimately sent me back to annualcreditreport.com on the phone. I went through the automated procedure and was told I would receive my XXXX credit report by mail within 15 days. When I chose my Experian credit report, it said my report was not available at this time and I should mail them a request for it. I found annualcreditreport.com 's toll free phone number online and went through the automated procedure again with the response that I would receive my Experian credit report by mail within 15 days. 

I have never had problems before getting all 3 of my credit reports on the same day, and I don't appreciate having to settle for getting 2 of the reports by mail rather than being able to view them at home on my secure VPN. I would appreciate if you could tell me why this situation happened and how I can make sure it doesn't happen again. 
Thank you.
Product: Credit reporting or other personal consumer reports

As of today, I have yet to receive any satisfactory resolution or evidence of a legitimate investigation. Please be advised that under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate and correct any errors in my credit file within a reasonable period. 
The Consumer Financial Protection Bureau ( CFPB ) has recently taken legal action against Experian, specifically due to their failure to conduct meaningful investigations into consumer credit disputes. Your failure to address this issue promptly and thoroughly places you in direct violation of both federal law and industry regulations. 
I demand that you remove or correct the inaccurate information from my credit file immediately. Failure to resolve this dispute within 30 days will result in my filing a formal complaint with the CFPB and taking further legal action. 
I expect a prompt response with confirmation of the correction or removal of the inaccurate entry. 
This same practice has lead Experian, Equifax, and TransUnion to being sued for not providing accurate information on credit reports. Also, not providing proper investigations for consumer disputes. 
I also requested verification of inaccurate accounts reporting on my credit report that your bureau maintains were accurate on XX/XX/XXXX. The following accounts are as follows : XXXX {$13000.00} Account # XXXX XXXX XXXX {$1700.00} Account # XXXX XXXX XXXXXXXX XXXX {$2200.00} Account # XXXXXXXX XXXX {$2100.00} Account # XXXX XXXX {$0.00} Account # XXXX XXXX  XXXX {$2700.00} Account # XXXX XXXX BANK XXXX {$4400.00} Account XXXX XXXX XXXX XXXX {$2300.00} Account # XXXX XXXX  XXXX {$1600.00} Account # XXXX XXXX XXXX  {$3700.00} Account # XXXX XXXXXXXX XXXX {$1200.00} Account # XXXX XXXX {$13000.00} Account # XXXX ALL INQUIRIES : XXXX XXXX etc I received a response stating that the accounts ) were verified on XX/XX/XXXX. 
HENSON v. CSC Credit Services. 29F. 3d 280 ( 7th Cir. 1994 ) The court ruled that a CRA " can not merely rely on the original creditor. '' Per 15 U.S.C. 1681 i ( a ) ( 6 ) ( B ) ( il ) I am formally requesting a description of the procedure your bureau used in proving all information to original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). To be clear, per FCRA 611 ( a ) ( 2 ) ( b ). Your agency is required to forward all relevant information to the original creditor to insure a proper investigation of my dispute. 
I'm requesting that you provide me all relevant information and documentation used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Per the FCRA, you are required to provide me with this information within 15 days or delete the negative items from my credit report. 
I'm seeking resolution under 15 U.S.C. 1691 ( e ). Civil Liability. Non- Compliance. Please delete all negative items and inquiries IMMEDIATELY!!!
Product: Credit card or prepaid card

I had XXXX total accounts with synchrony bank, XXXX or which were closed without notice to me, I had no balances on most of them, what remained was residual interest. Ive had several of the cards for a few years, the total limits exceeded XXXX XXXX and were closed because I am a credit risk. They however just approved limit increases on them, so Im confused on how they can close accounts across the board with no notice when there is no plausible reason. Upon reaching out to them, they asked if I would like an action report filed and that was the only response they had beyond reading me a supposed letter that I have yet to receive from them. I feel that this activity should be looked into, as it can cause serious detrimental effects if left unchecked. I even manage a branch of one their affiliated cards they closed of mine, I will make sure I dont recommend it to anyone again.
Product: Checking or savings account

I recently attempted to access insured deposits held on my behalf by the bank. I have receipts of deposits made into my account, which is a record of the item I deposit with the bank such as checks, federal reserve note, money orders, promissary notes, and bills of exchange. The teller believed the credit applied to the account was the deposit actually made, but according to 12 USC the bank is obligated to provide credit to my account for when I deposit insured deposit. As a consumer the bank offered that their bank products are fdic insured per deposit. I gave the bank items that have not been returned to me, I request as agent for the account that I receive a true bill, a full accounting under GAAP as required under Federal law and UCC. I require a an insurance claim for funds not return. Under GAAP the double book entry must zero, along with this account being insured as advertised to me I have had items overdrawn and returned causing me great harm. I gave the bank an asset to hold, I have not abandoned my funds but through overlapping language and deception the bank would have me to believed the credit applied to account is my actual deposit, but what happen to the actual tender I gave to the bank, and if those asset where lost by the bank why didn't the advertise insurance on the account protect me.
Product: Debt collection

My Mother suffers from XXXX and after my father had taken her Credit Cards, he asked me why she was still receiving charges each month from XXXX, a catalog company. I called the company 's XXXX # and they explained she was enrolled in the " XXXX '' with " Special Promotions '' for the charge of {$15.00} per month. I requested they unenroll her and was given instructions on how to achieve this which I followed to the letter. I disputed the charges at that time and forwarded all the information they requested in XX/XX/XXXX. All these months later they are still charging her and have sent the disputed amount to a collection agency. I have sent the information they requested again with another letter to deny the charges and want that to be an end of the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. XXXX XXXX  ( XXXX  ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.