23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX a lady dropped off a summons to show up in court for a debt I have no idea about. I never received anything from this company before ( Credit Corp Solutions , INC ) I dont even know what the debt is for. All they said is I took a loan out in the amount of {$2900.00} back in XX/XX/XXXX with an electronic signature. I never took a loan out nor would I as I am a retired XXXX  and am a housewife since XXXX. The court date is set for XX/XX/XXXX at XXXX XXXX. I dont know what to do as I dont know what this is for. Thank you kindly. 

Kind regards, XXXX XXXX
Product: Debt collection

XX/XX/19 This account appears on my credit report, i contacted ACE Cash express to see who had the debt, they stated XXXX XXXX XXXX had it once contacting them they advised XXXX XXXX had it upon further research they have been shut down for illegal practice. So i contacted XXXX XXXX the company listed on my credit report, he was very rude and threatening, I asked my balance he stated XXXX upon speaking to ACE Cash Express they stated that I owe {$400.00} and that the collection agency is NOT ALLOWED to tack on anything extra. I expressed this to XXXX XXXX XXXX and he stated well oh yea we will take {$400.00} and I will take it off your credit within 48hrs. They are sending very threatening emails as well, when I asked for the debt to be validated they refused.
Product: Debt collection

Enhanced Recovery is reporting a collection account on my reports that I have been disputing for some time now. I sent them a letter requesting validation of debt and it has been over 30 days and they have not responded in any way. Per the consumer laws and rights, if a consumer requests documentation and reaches out to a creditor to dispute an account with a creditor or bureau they must acknowledge and respond to the dispute. Enhanced Recovery is in violation of the FDCPA and I am requesting that this account is deleted from my credit reports!
Product: Credit card or prepaid card

On XX/XX/2019, I purchased what I believed to be a brand new XXXX XXXX XXXX XXXX for {$49.00} from what appeared to be a legitimate ecommerce website that I found via XXXX XXXX. 

I checked out using PayPal. It turns out that this website is no longer live. In fact, the PayPal payment account was tied to a XXXX name/email. According to the USPS, the scammer created a shipping label using an address in my zip code ( a tire store ) to make it appear as if the package were delivered to me. If you trace the tracking code, it appears that the package was delivered, but it doesn't show WHERE the package was delivered. 

This is a known scam that was just exposed by the XXXX XXXX XXXX : https : XXXX I am saddened that both XXXX and PayPal have refused to address this scam. Their negligence allowed this scam to occur. Why should I pay for a product that was never received? 

I have excellent credit and make over {$150000.00}. Why on earth would I lie about a package that I did not receive? Shame on PayPal and XXXX for being foolish enough to allow consumers to be defrauded by a XXXX scammer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1100.00} XXXX / XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I purchased an item in XX/XX/2018. I called paypal since the item I received was defective. They recommended I call my credit card company to report an unauthorized purchase. I knew this was unethical so I told the representative to go through with a return. I was told I would receive a refund for shipping. I returned the item and paypal removed the item from my account so I can not follow their process to get a refund. I have emailed them 10 times and they do not read my response.
Product: Credit reporting or other personal consumer reports

This is to inform you that I've recently pulled my credit report and noticed that theres a collection from your agency on my credit report. I have never been notified of this collection. Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have recorded in your file at the time of this request. Please don't respond to my request by saying that these accounts have been verified. Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted if you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). 
Accounts listed below : XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Mortgage

Thank you so much. I am having trouble closing on my refinance with XXXX Mortgage. I have owned my home for almost 4 years now with XXXX Bank at the time XXXX was promoting a company that would help me with closing cost. Community reinvestment fund , inc. I have a lean on my property with them but this dept was not recorded on my credit report. I have called many times over the last Month and Emailed them with no response. XXXX Mortgage has also tried many time to contact them for a 30 day pay off. I really need your help to resolve this as I can not close with out it. 
Community reinvestment is aware I am trying to pay this off, I always sent my payment through the mail but I didn't get a bill on the mail and they wont take your payment over the phone. I am concerned that it will go against my credit I try very hard to keep good credit. Thank you so much for your help
Product: Credit card

I was approved for a credit card with XXXX 09/08/2024 with a {$700.00} credit limit and was automatically charged an annual fee of {$120.00}. After using the card so make several purchases and receiving the 1st statement I made a payment of {$680.00} that posted XX/XX/XXXX. 

I continue to use the card and just before the statement was issued on XX/XX/XXXX I made another payment of {$350.00}. A couple days after I check my credit scores and they have dropped XXXX points because the account had been closed. 

I called to find out why and they sent out a letter that was issued on XX/XX/XXXX. 

I requested a refund of my annual for of {$120.00} and they told me because the account was opened for more than 30 days that they could not refund my annual fee.
Product: Debt collection

I keep getting calls from XXXX XXXX XXXX from someone named XXXX XXXX and a XXXX XXXX that I will get served and sued for breach of contract of a payday loan and for multiple bad checks when I haven't wrote checks. They are threatening to take this year 's or next year 's federal and state refunds as well as garnish my wages. I have asked for a validation notice of my debt and was told they don't need to send me one because im getting sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

One business loan  account ending with XXXX that doesn't belong to me is reflected in my credit report by equifax only ( not by XXXX, XXXX or XXXX ) and it has damaged my credit score to a considerable extent. The Equifax credit bureau doesn't seem to bother about my repeated emails to remove the said account from my credit report.Due to this, I am suffering a lot.
Product: Credit card

I was solicited for new credit card from Discover with an attractive balance transfer. I had an installment loan used for a medical procedure that was about to jump from 0 % to 29 %. I called the installment loan company and asked for a 10-day payoff amount. I provided the demand letter and payoff amount, along with my account information, to Discover in XXXX. The account was auto drafted from my checking account when I set it up in XX/XX/2023. 
Discover does not provide access to the Balance Transfer department, but close to 5 weeks passed from the date of the request until I got an update. The update I was provided was that the account was closed and paid in full.

Discover reported to the credit bureaus the day after the request that I had a balance of the amount I requested, resulting in it looking like I had a new {$5600.00} account when I did not. That balance was shown as a duplication for so long that my XXXX credit score went from XXXX to XXXX. Meanwhile, the installment loan finance company maintains that I did NOT close the account and is now reporting it as delinquent for {$4.00}. I have attempted to follow up with Discover more than 10 times with no resolution.

Discover mishandled the balance transfer by NOT completing the transfer properly as they reported the account closed.

Discover reported the new balance 5-6 weeks BEFORE I actually " used '' the funds to transfer the balance, resulting in my unpaid debt to be reported as {$1100.00} when I actually owed {$5500.00} resulting in a XXXX point decrease to my XXXX score ( XXXX to XXXX ) Discover reported to me and the credit bureaus that the account was closed, but XXXX states that there is a {$4.00} unpaid balance, which is now {$120.00}, and reported DELINQUENT on one of the bueraus ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : This is my third written request To Whom It May Concern, Why do you continue to violate my rights as a consumer? 
Please open my credit file and report my credit correctly. I have sent multiple letters asking you to please open my credit file and report my credit score as of XX/XX/2023. 
It is a crime to threaten a lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent ( NUMBER OF LETTERS ) previous letters to you, all by certified mail ( receipts enclosed ) requesting that you open my credit file and report my credit information correctly. 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 
I take my credit very seriously and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. 

I await your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXXXXXX, GA XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

Reached out to all the credit bureaus on XX/XX/2022. I wrote a XXXX letter requesting proof of debt and never received it. The debt was removed but on XXXX of 2022 it was placed back on my report.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT SOUTHWEST CREDIT SYSTEMS Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious SOUTHWEST CREDIT SYSTEMS Reported : XX/XX/XXXX. I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. 

XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Checking or savings account

Despite me sending a police report stating that my card was lost capital one still decided to charge back charges because they didnt have anything to go off they wont release my savings
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I entered into an agreement with Collection Company : Coast Professional ,  Inc. ( on behalf of US Dept of Education ) XXXX XXXX  XXXX, XXXX XXXX, LA XXXX XXXX, made with XXXX Agreement to pay : {$880.00} on XXXX {$880.00} on XXXX and {$880.00} on XXXX This would be settled in full per our documented agreement. 

Per my XXXX XXXX XXXX account ALL payments came out of my account to US Dept of EDU DBE GRP XXXX XXXX XXXX DC on these dates : XXXX XXXX XXXX The problem is : Still, my credit reports report as unpaid with a balance of XXXX and reported monthly as in collecitons. 

I have disputed 3 times, attaching the Agreement, bank statement proving I paid and still they refuse to remove from my credit reports. 
Please help, I can not buy a house because of them not holding up their side of the Agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a relative whom was contacted possibly under my name or possibly under there name. However, they went to an in person sit down and was offered trips of some sort with ( XXXX XXXX XXXX ). They had my relative contact me for additional trips if I could show up. Upon me showing up I witness the representative offer an active duty soldier a deal on there merchandise. She informed the soldier once she comes back she could switch the services or cancel. By that time I was asked my credit score level because it could save the soldier money on the merchandise. I informed them I had a XXXX or XXXX. They asked me could I pay for two months until the soldier came from training I informed the soldier I would keep up the payments until they come back. During this time the company ( XXXX XXXX ) never provided any login, any information they promised, and there offered seemed fraudulent. As we XXXX  them we found out it was a personal scam and the company sold the account to some company in California ( Monterey financial collection ) .But they working under a new company name in the current city. The company has a credit card payment and no activity of there merchandise being used and we called to cancel the policy because we had no use for it. Everything we agreed upon was thrown out the window to gather the higher person information. The Monterey company whom purchased the account said they are watching my personal credit score and report each day from there desk trying to force me to pay them for a services I never wanted or agreed upon or was ever contacted by anyone for there services. This company doesnt have any of my information on file incase I call in and discuss the matter of why they cant remove themselves from my report because I never wanted there services. The contract or papers they say is a contract came months after speaking to the representative from the company saying they where going to remove it but not return the payments received which was there scam of 2 months. I honestly dont know anything about this company I was applying my card for payment of the other party until there services where completed be the army. I personally believe from the misinformed information provided stating the payment could be switched The account was of someone else who sat in with the company and agreed or disagreed. The representative knew the person paying would be stuck and the policy would belong to that person. That person never agreed or wanted to be a part of what was being sold. That person never knew what was being sold or offered. Because, I walked in to meet the soldier and ask them if thats what they wanted to do ; furthermore, I told them Im not interested in any free trips or any offers. Im only here for the soldier, which told the representative they dont know what card would have money on it but this person can make the payments and I send it back to them. This is how I end up involved in the matter, but not once agreed to a policy.
Product: Student loan

I took out several small student loans with Discover Student Loans in the XXXX 's while attending the University XXXX XXXX. In XXXX, I entered into Chapter XXXX Bankruptcy, but continued to make payments on these loans. During the course of bankruptcy, I received notice from Discover that my student loans were being sold to another servicing company, and the company name and information would be provided. I never received such information. Over the course of the six years I was in bankruptcy, I made attempts to contact a list of names of servicing companies Discover provided. None claimed to own my loans. With Discover disclaiming my loans, and the servicing companies who allegedly purchased my Discover loans also disclaiming them, I had no one to pay. I was discharged from bankruptcy in XX/XX/XXXX. Since then, I have received no communication from Discover or their subsidiary Student Loan Corporation ( SLC ). Today, I checked my credit reports to find that both Discover and SLC have entered negative remarks in to my credit reports for XX/XX/XXXX and XX/XX/XXXX. I called SLC who advised they could not " bill '' me for XXXX or XXXX because I was in bankruptcy. This is false. If Discover or SLC believed I owed them money, they could have billed me any day after they were notified of the discharge of my bankruptcy. They did not do so. I am especially disturbed about SLC entering negative information into my credit reports because I never specifically entered into any agreement with them to my knowledge.