23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Merchants and medical are trying to collect a student debt from a local college from me the debt is less then XXXX dollars they call multiple times a day including the weekends i have spoken to them several time to explain that i do not have the money at the moment but fully intened to pay back the debt to the college directly. I habe spoken to the college about this Today they call me and I am once again explaining this very politely and then begin to question me about my employer. I tell them I am not comfortable giving out that information to which the debt collector replies that they will find out and do what they have to do on my end. I will not be able to pay a debt if i get fired after they start harassing my employer. I need help to stop them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX tradeline Account # XXXX XXXX .... as inaccurate XXXX XXXX, XXXX, with XXXX, XXXX, and TRANSUNION. A direct dispute with XXXX on XXXX XXXX, XXXX. There are errors before the dispute and after the dispute. There was no investigation done on XXXX tradeline. 

The disputed credit reports are as follow : credit report XXXX XXXX, XXXX, XXXX, credit report XXXX XXXX, XXXX, XXXX and credit report XXXX XXXX, XXXX, TRANSUNION. and Dispute letter where mailed out and delivered in XXXX XXXX. 

XXXX Response was ( Outcome : Remains - The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details ) and TRANSUNION response was ( Information Updated ). XXXX response was ( We 're writing to let you know that after careful research, we 've confirmed that we 're accurately reporting your account to the following credit reporting agencies : XXXX, XXXX, and TRANSUNION. XXXX The list of errors : DATE UPDATED OR VERIFIED DISPUTED credit report XXXX XXXX, XXXX, XXXX ( Items as of Date Report : XXXX XXXX, XXXX ) credit report XXXX XXXX, XXXX, XXXX ( Date of Status : XXXX XXXX ) credit report XXXX XXXX, XXXX, TRANSUNION ( Date updated : XXXX XXXX, XXXX ). 

DATE UPDATED OR VERIFIED AFTER DISPUTE credit report XXXX XXXX, XXXX, XXXX ( Date of Status : XXXX XXXX ) credit report XXXX XXXX, XXXX, TRANSUNION ( Date updated : XXXX XXXX, XXXX ) There was no investigation done on credit reports from XXXX, TRANSUNION or XXXX. 

I made my last payment on XXXX XXXX, XXXX DATE OF LAST ACTIVITY/CHARGE OFF DATE DISPUTED credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX Charge-off Date XXXX/XXXX/XXXX ) credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX Charge-off Date XXXX ) credit report XXXX XXXX, XXXX, TRANSUNION ( XXXX XXXX/XXXX/XXXX Charge-off date XXXX/XXXX/XXXX ). 

DATE OF LAST ACTIVITY/CHARGE OFF DATE AFTER DISPUTE credit report XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Charge-off Date XXXX ) credit report XXXX XXXX, XXXX, TRANSUNION ( XXXX XXXX/XXXX/XXXX Charge-off Date XXXX/XXXX/XXXX ). 

There is re-aging with XXXX, all three reports are inconsistent and the date of last payment an all three are incorrect. The charge-off date on all three are incorrect last payment XXXX, so charge-off date I believe should be XXXX. 

INCORRECT BALANCES Because the information such as charge-off date, Date of last activity is incorrect the balance is also incorrect. 

OTHER ERRORS credit report XXXX XXXX, XXXX, XXXX ( Date Maj. Del. 1st Rpt incorrect ) credit report XXXX XXXX, XXXX, XXXX ( AB incorrect ) credit report XXXX XXXX, XXXX, TRANSUNION ( Two maximum delinquency of 120 days in XXXX and XXXX ). 
XXXX, XXXX, and TRANSUNION ( past-due amount should be {$0.00} the account was sold or transferred to XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inacccurate, and questionable items that your agency didn't make sure it was reporting 100 % In accordance to Fair Credit Reporting Act, everythinghas to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) theses accountsare in violation of not reporting 100 % acccurate The credit rerporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. $ XXXX  ( 7 ) Method of verification- Description of reinvestigation procedure.
Product: Mortgage

I had a traditional mortgage thru Chase. At the beginning of the mortgage, I set up a Chase pay account and made 13 payments per year. In addition to making an extra payment per year for 9 years, I also included an extra {$100.00} to {$200.00} per month to pay down the principal of the loan early. Chase acknowledges getting 13 payments from me in XX/XX/XXXX and every year prior to XX/XX/XXXX, but is reporting me as late for a payment XX/XX/XXXX. Chase is stating that regardless of what i did in the previous year, they are going to report this payment late.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Acount # 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I reached out to someone on XXXX XXXX on a product I wanted to purchase. They dont live in the same state as me so they would have to ship the item. After getting the details correct I sent the money for the product and shipping, {$250.00}. After I sent the money, they kept finding excuses over the next few days to not ship until finally they stopped responding. I attempted to reach out to them multiple times to get the product or my money back but there was no response. I submitted a claim with my bank, Bank of America, about this and they opened a case for investigation. On XX/XX/XXXX, I received an email from Bank of America that I would not be getting my money back and that the case was closed. I called the customer service department to find out why, and the only thing they told me was that XXXX XXXX was denying the transfer back. They told me they would get the report from XXXX XXXXXXXX about the case, which I have never received, and that the only other thing I can do is go to small claims court. Because they live in a different state, that option isnt really feasible. Because of XXXX XXXX and Bank of America, I lost my money with no way to get it back.
Product: Credit reporting or other personal consumer reports

This is yet again totally illegal as of XX/XX/XXXX and is totally illegal by reporting from these credit Bureaus. Please remove these items or legal action will be taken. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XXXX XXXX {$210.00} Date Opened XX/XX/XXXX XXXX XXXX  {$4900.00} Date Opened XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$250.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXX 2020
Product: Checking or savings account

I thought I was signing up for a space in a vendor XXXX  fair but I was scammed from a bogus website that looked like the original site. I was required to pay through XXXX and they kept adding more and more charges. I immediately contacted Capital One who opened a fraud complaint but they denied it and told me to deal with the merchant after they told me to not deal with the merchant. I reported this to XXXX who did nothing. The person is still active and harassing me. They admitted they were frauds but Capital One said I willingly paid them. I paid for a service that was never received and despite me appealing the decision, Capital One never responded to my appeal. They basically laughed at me and said too bad. I want XXXX taken off their app and my money refunded. They won't take any responsibility. I have a download of the entire conversation with the scammer from XXXX.
Product: Credit reporting 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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 a 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 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: Credit reporting or other personal consumer reports

I have found that your company is reporting inaccurate and incomplete information. I have already communicated with you several times via mail but it seems that nothing has been done on your end. 

I have never signed any agreement with these debt collection agencies. 

-- -- -TransUnion XXXX -- XX/XX/XXXX ( Original Creditor : XX/XX/XXXXXXXX XX/XX/XXXX ( Original Creditor XX/XX/XXXXXXXX -- -- -XX/XX/XXXX ( Original Creditor : XX/XX/XXXX ( Original Creditor : XX/XX/XXXX
Product: Mortgage

Home loan with Wells Fargo Home Mortgage paid in full but can not get lien release filed and copy of lien release from Wells Fargo Home Mortgage
Product: Credit reporting or other personal consumer reports

Review your dispute letter Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, XXXX received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report XXXX 

Please verify or remove immediately the following accounts : Syncb/Paypal xxxxxxxxxxxx XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

Green Dot xxxxxxxxxxxx XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX xxxxxx XXXX I dont remember ever being late with a payment on this account. 
Please provide statements and records of all payments made and missed since I opened this account. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXXXXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Credit card or prepaid card

Citibank Double Cash Credit Card did not help in resolving the dispute that was made for transaction of {$200.00} on XX/XX/2019. This was made for XXXX website which hosted for XXXX training and placement agency on XXXX. 

After the first introductory online class with them I found out that they lack co-ordination and not willing to provide any training material of any sort and they are not very competitive and have little to no knowledge so I decided to cancel my enrollment and asked for full refund amount and contacted Citibank but they did nothing so far and today wrote a letter stating they can not resolve this dispute in my favor. 

I have all the rights under consumer protection to get full refund if I had not use any services or buy any products which apparently Citi failed to protect my rights.
Product: Credit card

Funds for a credit card payment where pulled and it was in amount XXXX over the amount owed on the card. I called Synchrony bank to get that money refunded back to my bank because the balance on the card was XXXX when the money was pulled leaving a negative balance on the card of {$350.00}. They refused to send it back to the bank and stated that they can only mail it through physical check even though all transactions up to this point have been electronically. I stated that I 'm currently homeless and that I do not have a physical address to mail it to. I then offered for them to mail to the bank and they stated that they ca n't do that either. I was told that their policy is not to send any fund electronically as it pertains to its consumers even though over XXXX % of their business is throuugh electonic transfer of money. The Credit Card agreement did not stipulate that funds had to be sent directly to a physical address for the card to be used.
Product: Credit reporting or other personal consumer reports

My credit is crucial to me. I am genuinely concerned about the inaccuracies on my credit report, which consistently cause stress whenever I am denied new credit approvals.
Product: Debt collection

Bridgecrest refused to provide a paper form of invoice/bill after numerous request by phone requesting this method of debt invoice. Was never given any notice before repossessing my car nor was I provided any information on my options ways to catch up or settle my delinquent balance.
Product: Money transfer, virtual currency, or money service

To Whom it May Concern : On XX/XX/XXXX I went to the XXXX XXXX XXXX XXXX capital one location to get XXXX XXXX  for an upcoming trip. I was charged XXXX at an exchange rate of XXXX. Yesterday XX/XX/XXXX I went and was told they do not have my currency and that I would be charged for them to get the money and send it back. They claim to have called me but left no message. On the XXXX of XXXX I was called and they did leave a message to which I immediately returned so I do not believe they ever contacted me. Now I do not have my yen and have been told they will return less that XXXX dollars to my account. I tried calling customer service and after being on the phone for almost a hour and being put on hold 7 times I was told there was nothing they could do. Today I tried to find an email I could file a complaint to but there isn't one. Tomorrow I will go back and inform them I have filed this complaint and I plan to remove my accounts with them if they do not resolve this to my satisfaction. 

Best Regards XXXX XXXX XXXX
Product: Credit reporting 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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX XXXXXXXX, 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

Inaccuracy personal information on my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 15 u.s.c ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX : XXXX, Beneficiary. I recently looked over my Credit Report and noticed inaccurate Accounts and Inquires on my credit report that are fraudulent and needs to be paid in full and DELETED from my Consumer Profile. If these accounts are not removed from my consumer profile by XX/XX/XXXX, I will be sending the IRS ( INTERANL REVENUE SERVICE ) my packet. ( Also I've tried to get your company Ein multiple attempts with proof and your company have failed to provide that to me. Which is a refusal and according to the law per refusal is {$50.00} ( which has been over nine attempts with proof ). Before I take this route I will give your company XXXX last chance to remedy this wrong and delete these from my consumer report. If not I will send in to the IRS a packet with W-9 , 1040, 1040V of you company information and the accounting numbers so that this account can be reported to the IRS and for them to audit your company for not reporting it. I Am done with going back and forth with these accounts. Stop reporting them or lose money, and some paperwork to show for to the IRS simple as that I know with time anything is possible. So with that being said Remedy this wrong and do as I say or this could possibly go to Federal Court. Your company belittles consumers and I have met the right set of people who has educated me properly and made me aware fully of how to complete the process and even receive a check from your company. However, I dont want anything from you except to DELETE these accounts from consumer profile. 

I DEMAND YOU DELETE AND BLOCK ANY ACCOUNTS FROM REPORTING ON MY CONSUMER PROFILE!! 

ACCOUNTS : XXXX XXXX Date Opened : XXXX XXXX Amoun : {$1100.00} XXXX XXXX XXXX Date Opened : XXXX XXXX Amount : {$540.00} XXXX XXXX Date Opened : XXXX XXXX Amount : {$54.00} XXXX : XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Ive just received my credit report and noticed unauthorized items that shouldnt be listed within my credit profile. I had already requested for the items to be removed. And in accordance to the FCRA, XXXX account number XXXX, XXXX, XXXX, and XXXX has violated my right. 
15 USC 1681 602 A States I have the right to privacy. 

15 USC 1681 604 A section 2 states consumer reporting agencies can not furnish accounts without consent. 
Im am requesting for the following accounts to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, I had contacted the two reporting agencies without getting assistance and contacted the Attorney Generals ' Office in XXXX, IL? This was a last ditch effort and also sent the documents ' to XXXX that supports ' these problems ' especially with a Bank or thereof Banking Centers '? This was an unfortunate coming with the COVID Virus but in actuality it is the right thing to do as to how I was lost in the shuffle!!!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

Equifax continues to drop my score dramastically and only raises it by a few points with good standing. They dropped it XXXX pts for a XXXX false claim. I want my points back
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EXPERIAN NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT EXPERIAN MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXXXXXX XXXX XXXX  XXXX XXXX
Product: Mortgage

Received statement with increased mortgage payment, no previous notification of increase in escrow or option to pay deficit / shortage to keep mortgage payment the same. 

Spoke to XXXX different reps that tell me if I pay my shortage my payment will still be more than last year. 

Even if I pay more than shortage they will not apply to keep mortgage payment the same as last year, will still increase it. They will hold it in an account and keep the interest and not lower my payment to what it was. 

Refuses to allow me to speak to escrow department, says they do not take calls and they run the reports ad tell us how much our payments will be, what we pay towards escrow will not help bring our payment down. 

We've been trying to reach them for weeks to get a new escrow analysis done to determine how much to pay to keep our mortgage the same as we have done for year before. Now they will not allow this. No notification, nothing provided. 

They also added XXXX to our principal balance without any notification, letter stating the reason for the added almost XXXX to our principal. 

They are only placing {$520.00} per monthly payment to the principal after 20 years. We should have this paid off. 

The loan was paid in full to countrywide, endorsement received yet we are still paying on this mortgage decades later. 

They send us to incompetent reps who are there collecting a paycheck and have no idea what they are doing, only reading a script, after waiting over an hour to speak to someone in escrow. 

They raised our mortgage payment, will not allow us to pay extra to escrow to bring mortgage payment down to last year.