23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX received a returned item ( a mobile internet service intended for rural use, well within the 30 day trial period. It did not work at all due to no service available in our area. Their promotion was 30 days no contract to insure it worked. They have not only agreed and acknowledged that they canceled and accepted the returned equipment but did not cancel the service but they called this a buyers remorse issue and never pushed back. They are just unwilling to complete the proper admin work to remedy the issue. 
The original and erroneous bill was {$400.00} and upon bringing this to the attention of XXXX it was said to be removed from collections, however Amsher Collections and the XXXX XXXX XXXX XXXXXXXX XXXX refuse to remove some unknown and fictitious remaining {$63.00}. I have made no payment and refuse to do so. So the reduction is perplexing at best. 

XXXX called with me on the line and Amsher collections and. The XXXX XXXX XXXX XXXXXXXX XXXX refused to speak to them and would only speak to me. It was then that I was hung up on and told in extremely unprofessional terms the only way to resolve is to pay. At one point the rude employee laughed at me. 

From where I stand, Amsher Collections, XXXX XXXX, and XXXX and the credit bureaus have damaged my credit and are all complicit in their Deceptive Trade Practices, false credit reporting, and in their attempts to extort money by making paying easier than dealing with the headache of unwinding their mistakes.
Product: Credit card or prepaid card

On XX/XX/21 company 's mishandling of my data created locked account & failure to connect me to ANY telephone agent for account closure in fraudulent attempt to generate future inactivity fees to card ending in XXXX.
Product: Debt collection

On XX/XX/2018 I sent a returned receipt and certified letter to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. My request is to validate that I owed this account. In returned they sent me a letter with amount owed without any validation. 

I sent another letter dated on XX/XX/2018 I demanded to see a consumer contract with my signature on it indicating I need to pay them. They never responded with validation or any information indicating this account belongs to me. Therefore, another letter was sent to XXXX XXXX dated XX/XX/2018 to be advised this is my third attempt for them to produce any original documentation signed by me that I need to pay them. They refused to validate what is required by law under the FCRA. They are also reporting this information with the credit bureaus without being verified. I demanded to see verification on this account and they refused to send me any original documentation with my signature. All letters were sent returned receipt and certified mail.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the inaccurate items that should not be in my file that resulted from an alleged incorrect reporting, however I still have ITEMS left that needed to be removed. I recently checked my updated personal credit report and I noticed some unauthorized credit inquiries still remained on my personal credit report. I once contacted these companies and asked them to remove their credit inquiries from my credit profile. I also requested that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. I know your investigation is complete, and you find my allegation to be true, please remove these inquiries, inaccurate names and addresses from my credit file. Here are the remaining items for removal : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> -- -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX. The items I am disputing do not concern any transactions involving the acquisition of goods, services, or funds that I have initiated or approved. Please help me remove them as soon as possible.
Product: Debt collection

CBS Collections is reporting 3 chargeoff collections to the credit bureaus. These are all inaccurate. I have no knowledge of any of these and is surely the result of identity theft or erroneous billing. I have disputed this with them through the normal channels and they have failed to provide written proof that they are mine and have not stopped reporting them. 

The collections are : XXXX XXXX XXXX XXXX XXXX XXXX  1 ) assigned XX/XX/XXXX, from XXXX XXXX Hospital for {$51.00} 2 ) CBS Collections Assigned XX/XX/XXXX, XXXX  XXXX  XXXX XXXX   for {$480.00} 3 ) CBS Collections Assigned XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, {$70.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a credit alert today. I decided to check my credit report. I noticed that XXXX XXXX XXXX has reported an account XXXX as charged off on XXXX XXXX, Equifax, and XXXX. I have disputed this with XXXX XXXX XXXX and they advised that I have to dispute with the credit bureau. They have agreed that this is not a charged off account but an open checking account and should not be on my credit report.I have disputed this with XXXX XXXX, XXXX, and XXXX. This account is affecting my credit score and resulting in credit issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX around XXXX p.m. I contacted XXXX XXXX to inquired about an account that was unknown to me reporting on my Experian credit report. The lady explained to me that the account was charged off and in order to clear the account I would need to pay XXXX. I told her that I am not admitting that I own this foreign account and that I am not certain that I am liable for this account. I then asked her how can they place something on my report as being charged off for XXXX, but then verbally tell me that it is XXXX owed because fees are still accruing on the account even though its charged off. After she began yelling at me about the account I asked to speak to the XXXX or owner. She tells me that she is the assistant XXXX. I then asked her for the number to their corporate store which she gave me and told me I would have to call them tomorrow. On XXXX XXXX, XXXX around XXXX p.m. who told me that she did n't know how to get around in the system to find the account and that she would call and let the owner in the store know about the rudeness of the lady. All of a sudden on XXXX XXXX, XXXX I receive a credit inquiry alert saying that XXXX finance did a credit inquiry for an application or loan. I then spoke to XXXX on XXXX XXXX, XXXX and he was unaware of the incident and refused to remove the inquiry. I explained to him the reason the inquiry is on my report is because his supposedly asst. XXXX got mad because I asked her how can there be XXXX different amounts for a charged off account and retaliated by placing an inquiry on my report. I explained to him it is no way possible I came into their store and did any type of application giving them permission to pull my credit. I spoke to Experian and they refused to dispute it and told me I needed to contact the creditor to get it off.
Product: Debt collection

XX/XX/XXXX , I owed   XXXX   XXXX   for a credit line of {$1400.00}. By  XX/XX/XXXX , I paid the amount off in full as my last payment was {$250.00}. After making all payments, The   XXXX   XXXX   sold account number  XXXX  to Midland Credit Management, Inc  XXXX .  XX/XX/XXXX ,    XXXX   XXXX   XXXX   XXXX   XXXX   obtained a judgment against me in  XXXX  County, Kansas court  XXXX . During that time, I made additional payments by check not aware this was regarding my   XXXX   XXXX   Account ending in  XXXX .  XX/XX/XXXX , I sold my home and the {$2300.00} judgement was held back fr om my profit of sale. I found out recently in the process of searching through old paperwork and notice I 've been scammed. I over paid Midland as they also collected money on an account they never should had purchased from   XXXX   XXXX  . I 've been writing and requesting for the return and interest as   XXXX   XXXX   XXXX   and Midland refuse to resolve my claim.
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Product: Prepaid card

On the XXXX of XXXX I received my money from bank of America and everytime I made a purchase my account would be temporary locked it was impossible to do anything on the XXXX of XXXX I had to call them and have the card unlocked and then on the XXXX of XXXX I tried making another purchase online and it was locked again this time I called they said that on their end everything was good but on mine it wasn't so I end up losing my card and called them to order a new one and the representative kept putting me on hold saying that they were updating my account and it would be a few more minutes and how embarrassing this was only to tell me I have to go into a bank of America branch with XXXX forms of id I feel so discriminated against this was a very emotional experience I felt like I was walking around like a chicken without a head I'm going through a hardship and now my account is frozen I have no shelter and this what they do to me they have pulled the rug from under me I feel like they have played a game on me this is very hard to cope with
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. Please repair/correct the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XX/XX/2020 payment shows I was over 30 days late. However my account was not 30 days late. I have contacted GM about the inaccurate reporting and they advised me to contact the credit bureaus. I have but have had no resolution on this inaccurate reporting.
Product: Credit reporting or other personal consumer reports

Ive noticed unauthorized inquiries on my credit report and want them to be deleted IMMEDIATELY. 

the inquires are : XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2018, in obtaining and approving a car loan from XXXX I was provided with documents that show my credit score from XXXX indicating a score of XXXX which ranks higher than 97 percent of U.S. consumers. Copies of that score are attached hereto. 

On or about XX/XX/2018, I applied for a XXXX credit card and was denied due to race. I received a letter from Citibank / XXXX that indicated delinquent credit obligation. This is false as that was disputed with XXXX as the charges were reported as fraudulent. Copy of letter attached hereto. How can I have such a high score if that wasn't true? 

I have a credit score higher than most Americans and I was denied a credit card. This is shocking and can only be described as racial discrimination. I fought for my country and almost died only to be discriminated by Citibank and XXXX. Now, you know why veterans commit suicide because we have companies like Citibank and XXXX who perpetuate the reason.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS. I AM A VICTIM OF XXXX XXXX  WHICH FALLS UNDER XXXX  ACCORDING TO XXXX-DEBT FINAL RULE XXXX ( B ) ( XXXX ) XXXX ( B ) ( XXXX ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PLEASE DELETE ALL THE FOLLOWING OVERLND BOND {$24000.00}, XXXX {$15000.00}, XXXX {$0.00}, XXXX {$0.00}, XXXX {$8900.00}, XXXX XXXX {$0.00}, XXXX XXXX, XXXX {$620.00}, XXXX XXXX {$570.00}, XXXX XXXX {$3100.00}
Product: Credit card or prepaid card

This complaint is about Capital One credit card number XXXX XXXX XXXX XXXX which has been ongoing since XX/XX/2020 and has not been resolved. 
Our household of two senior citizens, XXXX XXXX and XXXX XXXX has one land line telephone number only which is XXXX. We do not have mobil service or texting service as we do need those services. 
Capital One refuses to recognize our telephone number and will not grant access to my account via on line service because we do not use mobil or texting services. Consequently, I can not see my statements or pay my bills. Capital One 's attitude is that of " tough luck XXXX  '' if  you don't use mobil or text and still use a land line.
Product: Debt collection

I am writing to address a concerning collection entry that has appeared on my credit file from your agency. I was not previously notified about this alleged outstanding debt, and I have serious doubts regarding the validity and accuracy of the amount being claimed. Under the Fair Debt Collection Practices Act, I have the legal right to request verification and validation of this purported debt. I am therefore respectfully demanding that you provide the required documentation validating this collection entry and take appropriate action to rectify any inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$49.00} Amount {$110.00} Collection Agency XXXX XXXX Original Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$140.00} Amount {$140.00} Collection Agency XXXX XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$170.00} Amount {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$5400.00} Amount {$5400.00} Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$630.00} Amount {$630.00} I have disputes these items numerous of times due to identity theft with supporting documents of the police report as well as my personal information attached for verifications. These debts keep reappearing through new collections attempts, harassing me through phone and email and I need that to cease and decist immediately. I have been sending the same removal letters and reports for over XXXX years and they continually re-add these items to my XXXX, XXXX and Experian reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXX account numbers XXXX, XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX account number XXXX and XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX Account Number XXXX XXXX XXXX Account XXXX 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 States that a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to you to request a goodwill adjustment for a late payment that is on my account from XX/XX/XXXX, and XX/XX/XXXX. I always make my payments on time and make every effort to fulfill my financial responsibilities, but the past few months have been a hardship for me. At the time of these late payments, I was laid off from my job due to unforescen medical issues, and still made the effort to make my monthly payment although I am still out of work. I say that not to justify why the payment was late, but rather to show that the late payments are not a good indicator of my actual historical creditworthiness. I hope that you are willing to work with me on erasing these marks from my credit reports. Theyre also old addresses where I use to be resident at that I dont live at anymore I wish to have removed off my credit report.

I am now trying to lease a car and I am having trouble doing so due to my credit score decreasing due to these late payments.

I understand that according to federal law 15 U.S. code 1631a ( 2 ( Al ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a
creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I am asking that these late payments be removed from my report in response to this letter as a gesture of goodwill. I hope that you will deeply consider my request and prove once again why XXXX is heads above the rest. I look forward to your reply. 

Very Hopefully yours,
Product: Checking or savings account

I opened a Truist Bank account in XXXX and encountered issues accessing my account information online. When I called customer service, they couldn't verify my phone number and advised me to visit the branch. Despite registering my number at the XXXXXXXX XXXX XXXX XXXX XXXXXXXX, the problem persisted. On, I attempted to transfer {$250.00} via XXXX to my XXXX XXXX account, but the transaction was held, and my account was subsequently blocked due to verification issues. Multiple calls to customer service and another branch visit on [ XXXX XXXX did not resolve the problem. As of XX/XX/XXXX, my account remains blocked, leaving me without access to my funds. 

Throughout this ordeal, Truist Bank has been unhelpful and unresponsive. Customer service repeatedly failed to verify my phone number or provide a permanent solution, and my visits to the branch were met with delays and ineffective resolutions. Their inability to address these issues has caused significant financial stress, especially as a XXXX  relying on these funds for daily expenses. Caused me significant mental stress cause I have been without food for the past two days just because the systems of truist are age old and not upto date.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach. As a result, I am requesting that the following accounts and inquiries be immediately blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were unauthorized and should not be listed on my credit file. 
Accounts : XXXX. XXXX  - XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$350.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$350.00} XXXX XXXX XXXX BANK NA o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$660.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5900.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3600.00} Inquiries : XXXX. XXXX XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX XXXX XXXX  BANK NA o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX CARD o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed that I have some hard inquiries that I did not Authorize Account XXXX XXXX  XXXX Account XXXX XXXXXXXX Account XXXX XXXX XXXX Account XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX  XXXX Account XXXXXXXX XXXX XXXXXXXX Account XXXX  XXXX Account XXXX  XXXX Account XXXX XXXX XXXXXXXX Account XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX  account XXXX. XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I do n't work. I am a single parent, who does not work. I have tried on several occasions to get them to lower the payment. They talk to me as if I am a child. They refuse to lower my payment. They want me to pay in excess of XXXX dollars. I think they are doing this because my dad cosigned, so they feel he should pay. He even talked to them, told them how much he makes, how much his bills are, then they decided to charge more, monthly.