23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I sent in a securitized collateral certificate application for an open ended consumer credit purchased charge card with a value of {$16000.00} as per Discover bank prospectus of XXXX. This exchange was done in accordance with electronic funds transfer act and security exchange act 1934. I received a notice in error stating that the application was denied it is to my understanding that this is due to no XXXX  credit score, yet upon further investigation on the prospectus states that all new receivables are transfer and deposited to the XXXX XXXX  charter. This Insures that I am a Valued private investor in the charter. This is very concerning. Im requesting either my securitized collateral certificate value be returned credited at {$16000.00} that it was sold for or whatever the current market value. Or the issuance of my open ended consumer credit purchased charge card rewarded for my security investment. As this securitized collateral certificate was sent as a new receivable to the trust immediately it is my understanding that I am unsecured bond private investor, who is entitled to the charge card that I purchased with in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian removed a bankruptcy record from my report because it was inaccurate and unverified. 

There are three accounts that reflect comments associated with this said inaccurate and unverified bankruptcy. 

Those comments and negative payment errors need to be removed. Experian just added that information back to my comment. Its incorrect and needs to be removed immediately. They continue to removed and re-add false inaccurate information. 

This is illegal and its tiring to have to continue to call, dispute and file complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

Response below : Equifax did not securely store vital financial data they collected on me and millions of other people. Once the data was stolen they did not notify me directly, and had no appropriate solutions. Vital current information, like bank account numbers, addresses and drivers license number were left exposed, as was permanent information, like my social security number. This means I am for ever at risk of identity theft and tax fraud. The only solutions offered by Equifax have been temporary, limited to the next couple of months. Additionally, they have used this as an opportunity to promote other services, trying to make money from their own failure. 

The few options I have as a consumer ( checking my credit score, credit freezes and fraud alerts ) have been nearly impossible with all three major credit companies ( Equifax, XXXX XXXX XXXX ). With Equifax in particular it has been completely impossible, since they seem not to have the resources to deal with all the affected customers. This means I have to spend several hours trying to solve this problem. Additionally, over the course of the lifetime this hack will affect me, I will have to keep spending time and money to freeze and unfreeze my account, and to monitor my credit. This is entirely caused by a company I never chose to have business with in the first place.
Product: Debt collection

XXXX XXXX - I find on my credit report derogatory information from Discover Card that does not belong to me. I dispute this information through the Credit Bureaus, XXXX concedes it should not be reported, and the tradeline is removed from my credit report. 

XXXX XXXX - CFPB XXXX XXXX. XXXX & XXXX - I received a creditor 's garnishment in a paycheck and a letter advising of such. This is from XXXX XXXX XXXX XXXX, by way of a debt from Discover Card. After attempting to remedy this over the phone with XXXX, and advise of the history with XXXX XXXX above XXXX, and getting nowhere ( as I was simply told my information would be passed along ), I file a complaint through the CFPB, disputing the debt further. 

XXXX defers to XXXX who in turn pass along a judgment for a debt owed, as well as Collections Notices and statements showing past due amounts owed. All of these were mailed to an address that I did not reside at during anytime in my adult life. 

As a result of the documents XXXX forwarded, I requested a copy of any originating paperwork, as I 'm now concerned ( confident? ) that this account was opened in my name without my authorization. ( Of course, I had no recourse to dispute it outside of the XXXX XXXX credit bureau dispute - though since it was corrected rather immediately, I was under the impression it was a straightforward error at that time. ) The only information XXXX XXXX XXXX have provide with regard to the origination of this debt, was a statement saying, essentially, " Well we have your information on file. So clearly you opened this account. " ; given the environment in the financial industry, particularly around sales practice fraud and misconduct ( i.e. XXXX XXXX XXXX, this statement/insinuation is irresponsible at best and indicative of a larger problem with XXXX at worst. 

After this, the funds deducted from my paycheck were returned to me, as expected. And I did n't hear form XXXX or XXXX again. Until this month. 

XXXX XXXX - I received a letter from XXXX, again advising that I owed this debt, and that they would be pursuing the funds by way of the judgment I referenced earlier. XXXX months after I was under the impression this was corrected or fixed for the second time. XXXX years after I was under the impression this was fixed the first time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to CAPITAL ACCOUNTS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2.
Product: Checking or savings account

Debit charged to my account on XX/XX/XXXX ( XXXX XXXX no longer appears, and the money is still gone. 

Second round with Bank of America, same issue.
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/XXXX and XX/XX/XXXX to XXXX, and Transunion. However, the credit bureaus said the completed the investigation and everything was % accurate.

15 U.S. Code 1681i - Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

I pulled up my credit report and realize that first financial resource, Inc. Is reporting a debt of {$630.00}, the original creditor is XXXX, I contacted the original creditor and they told me that the debt is too old and it 's not in their system anymore because first financial resources took it over. So I contacted first financial resources Inc. and I let them know that I have insurance and it usually covers all my medical bills. They told me that maybe I did n't have insurance at the time of the service. I then contacted my insurance company which is health safety net I spoke to XXXX she confirmed that I had insurance from XXXX XXXX, XXXX till XXXX XXXX, XXXX and then I renewed it XXXX XXXX, XXXX to XXXX XXXX, XXXX. The service date from skin pathology laboratory was on XXXX XXXX, XXXX and also XXXX XXXX, XXXX. Which means I was covered during that period of time. So then I called first financial resources to explain to them that I was covered during that period of service but they told me that maybe the doctor sent the XXXX outside XXXX XXXX XXXX therefore the hospital is not responsible for this bill. Please understand that I am a XXXX I have been treated a XXXX XXXX XXXX I have had over XXXX XXXX done at the XXXX without any problems from XXXX until current time. I have had XXXX XXXX XXXX and XXXX my insurance always covers me I believe that the doctors office failed to bill my insurance instead they sent that to the wrong address, I was not aware of this debt and its 6 years old. But they feel that it 's my responsibility for their mistake. The type of XXXX I was diagnosed with was due to stress I 'm XXXX free now I beat it, but this company is putting so much stress on me and ruining my credit. I 'm starting to worry about my Heath and getting sick again. I do n't think this bill belongs to me and if you did I want solid proof so I could submit it to my insurance company ( no just a copy of a bill ). Thank you very much for your help.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  # XXXX - Balance $ XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Balance $ XXXX opened XX/XX/XXXX XXXX  XXXX XXXX XXXX # XXXX opened XX/XX/XXXX Unauthorized inquiries 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
Product: Debt collection

On XX/XX/XXXX XXXX XXXX ( XXXX ) was notified to cease contacting me regarding a credit card debt ( letter attached ). The debt was sold to Portfolio Recovery who attempted to collect on the same debt. Portfolio Recovery was noticed to cease contacting me on XX/XX/XXXX ( letter attached ). On or about XX/XX/XXXX, I received another collection letter from Portfolio Recovery ( letter attached ). In my letter of XX/XX/XXXX, Portfolio recovery was requested to send to me verification of this debt and supporting documents. They never responded.
Product: Credit reporting or other personal consumer reports

I have tried reaching out to the companies involved about the fraudulent or unauthorized credit pull but to date I have not been able to get to a live agent, it has only been automated systems.
Product: Credit card or prepaid card

I stopped the application before it processed but a Victoria 's Secret employee tried to convince me to apply for their " rewards card '' and lied repeatedly to me, insisting it was not a credit card ( and when I asked " so it's not a credit card '' she told me no, not at all ). When the system asked for my SSN and the top said " Victoria 's Secret Credit Card '', I told her " But this says it's a credit card '' and she replied " Oh it just says that but it's not '' then her co-worker stepped in to say it actually is a credit card. 

Had I not been vigilant, only spoke broken English, was naive, or uneducated, I could have been deceived into applying, only to have my credit hurt by the new account and a new inquiry. I'm also getting ready to apply for a house and something like this could have stopped my application from getting approved. I feel if I were disadvantaged, this would have been very unfair, and at best it was a very deceptive act. I'm concerned about those who have actually fallen for this illegal tactic.
Product: Debt collection

LVNV Funding LLC, is trying to collect debt that was removed from all XXXX  credit reports due to statute of limitations. This debt with XXXX XXXX was written off and removed from all three credit reports recently. Now the wolves are coming out. Trying to collect debt that isnt owed.
Product: Vehicle loan or lease

Yes ally did not get back too me on my complaint I did with you guys awhile ago. Trying too get car payments deffered due too hardship. I told them I can't afford a up front payment on car. Due too being on XXXX also. I'm hoping they can waive up front fee. That would help. Not happy. Also been on time never late
Product: Debt collection

I received a call asking me to pay a couple XXXX dollars for cleaning services about 2-3 months after I moved out of an apartment. I called the apartment to verify this as we had cleared all fees and there was no cleaning fee. I told the debt collection company this and asked to provide proof but I never heard back. Hence, I assumed it was a scam. 

Then, I start receiving calls about 5-6 months later mentioning I owe back rent for the same apartment in the balance of {$290.00}. I thought it was a scam because I left the property early and paid them 2 months extra rent due to my contract. Everything was settled and there is proof of this if we go ask the apartments. I asked this debt collector to send an official letter at home with proof of the debt they mentioned.

I never received the proof, but then I saw two days ago my credit dropped from XXXX to XXXX. 
I was devasted and my wife 's credit score dropped even lower.

The name of the company that I have been reported by is Columbia Debt Recovery.

I have no issue paying this debt if it was legitimate but I honestly thought it was a scam and still do. The apartment never contacted me about this and the debt collector never sent proof. 

The fact they asked for different amounts and different things each time led me to believe they were definitely scammers. 

Just to summarize, I was reported by Columbia Debt Recovery on XX/XX/year>.
Product: Debt collection

I have sent letters certified to LVNV Funding LLC and requested they show proof of signature and contractual obligation I owe them any money, to wit they failed to comply. I sent first letter out on XX/XX/20 and they received the letter on XX/XX/20 @ approx. XXXX. The second letter was sent on XX/XX/20 and was received by there office on XX/XX/20 @ approx. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the previous written requests, the fraudulent items listed below are still reporting on my credit report in violation of XXXX XXXX. They failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous items reporting on my Credit Report : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$190.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$190.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX Balance : {$550.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$90.00} ; XXXX XXXX Balance : {$730.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$190.00} ; XXXX XXXX Balance : {$110.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance XXXX {$610.00} XXXX XXXX XXXX Balance : {$550.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$730.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX {$330.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX Bankruptcy Date Filed/Reported:XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Debt collection

Called company to get info, sounded shady when speaking to the person. Told me they sent me notification in XXXX via mail. I never received any notification in the mail, they wanted to argue with me. I asked to have mail resent and they declined.
Product: Debt collection

FBCS Inc has repeatedly sent letters to a home that I do not live at nor has ever lived at. My father and his girlfriend live there and have now received two letters addressed to me. Ive emailed the company three times via their compliance email to ask them for more details as I do not have access to the letters and would prefer communication via email. Ive never received a phone call, email or mail at my home address so have no idea what this is about.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 5. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit card or prepaid card

On XX/XX/22 I saw an unauthorized purchase for {$1300.00} on my credit card. I immediately notified Citi Bank Costco Card about the fraud. They removed the charge and I opened a fraud case. On XX/XX/22 Citi Bank advised me that the charge was correct and placed the charge back on my account. I requested documentation and was sent an invoice from a company called XXXX for a computer which was shipped to a man I did not know at an address I did not know. I immediately contested the decision and asked to continue the dispute. I was given contact info for XXXX and called their customer service office and talked to XXXX and explained that I did not purchase the computer and did not know the person who received the computer. Advised that the man listed on the invoice and address was not connected in any way with my credit card. Provided my contact info and to date no one from XXXX has contacted me. I have sent multiple email to Citi Bank requesting an update and called several times. My on-line account with Citi states that the dispute is ongoing and will be resolved by XX/XX/22. Today I called to request an update and was told that the Billing Office had sent the dispute to their Security Office and the Security Office had returned it to the billing Office. I was connected to the Security Office where I once again explained the situation and that I was very frustrated and had been very patient with the bank. I was told they would re-open the investigation and someone would call if they had more questions. This was never a billing dispute and I stated it was fraud from the first contact with the bank. I need someone in authority with Citi Bank Credit Cards to resolve this issue and remove the unauthorized charge from my account.
Product: Debt collection

I was alerted by my credit monitoring that Credit Management LP placed a collection on my account on XXXX/XXXX/2016. I immediately called my credit monitoring personnel and they directed me to Credit Management LP. I spoke with XXXX from the company on XXXX/XXXX/2016. I did not get her last name. I asked XXXX what the collection was for and informed her that I had not been notified of the alleged delinquency. She explained that if I paid the balance which was {$140.00} that it would be removed from my credit. I asked XXXX several times would the collection be removed from my account and she assured me it would. I explained to XXXX that I did not want the account to just say paid ; I explained that I wanted to make sure the account was removed from my credit report. She reassured me that the account would be removed and I could go to the company website on XXXX/XXXX/2016 to print off the letter stating the account would be reported and removed. I asked XXXX again if the account would be removed and if the letter would state such. XXXX assured me it would be removed. I went to your website on XXXX/XXXX/2016 and printed off the letter. The letter states the account has been satisfied, nowhere does it say it will be removed from my credit report. The letter states " ... if we reported your account to the credit bureaus, they will be notified to update their records, accordingly ''. I called Credit Management LP on XXXX/XXXX/2016 and spoke with XXXX XXXX. I explained to XXXX XXXX what my previous conversation with XXXX entailed. XXXX XXXX could not assure me that the account would be removed from my credit report. He stated that it would be removed, he just could not tell me when. I asked him what that meant. I informed him that I did not want this to linger on for months and he stated it would be removed he just ca n't say when. I asked to speak with a supervisor. He transferred me to XXXX XXXX. She identified herself as the floor manager. I am not for certain if XXXX is her name ; when she initially greeted me I was under the impression her name was XXXX. I challenged her about this and she told me that I got her name wrong. I informed her about each conversation I had with her employees. She informed me that they do not remove items from my credit report ; they simply report it to the bureaus. I expressed my disdain for the situation and explained that her employee assured me that the collection would be removed. She then stated that I could write a letter requesting it be removed. Her company would go over the recorded conversation and if her employee promised my account would be removed, then they will honor it and have it removed.