23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I purchased a XXXX XXXX XXXX and financed it through Prestige Financial. I had just come out of bankruptcy and lost my other car in the BK. I had very limited choices on finance companies to get a loan from. My interest rate is very high, but I accept that due to my credit score. From the very first payment in XX/XX/XXXX, I began getting phone calls, texts and emails on the day my payment was due and they continued repeatedly sometimes two to three times a day until the payment was made. My account was never over 5-10 days late. However, I was threatened with being turned over to collections, etc. They even called my father and my daughter which really upset them. Due to poor health, the loss of my job and death of family members and other hardships, I have been late on my payments, but never over 30 days. However, the harassment would continue and the threats became increasingly more hostile. When my father in law died in XX/XX/XXXX, I had to fly to XXXX, Texas from XXXX, Oregon to attend the services. I was not financially prepared for this sudden expense. I fell behind on the payment. I received call after call and numerous text demanding an explanation as to why I had not responded. I advised that I was grieving the loss of my dear father in law and did not appreciate the harassment. They apologized but demanded a payment arrangement. I made one just to get them off the phone and stop harassing me. I was still in Texas and did not want to deal with this. I had just lost my mother a few months before. I have been in ill health and have told them so. Regardless, theyre relentless in their harassing communications. I am well aware of my financial obligations and do not need to be harassed like this. I filedmy bankruptcy due to medical bills. I financed a car as I need reliable transportation. I have to set up payment arrangements with them even when I dont have the money or they wont stop the calls and the texts and emails and calling my family members. The most recent harassing communications came today, XX/XX/XXXX due to a failed payment arrangement. Again, I had to make one so they would stop bothering me. I have made all of my payments on the vehicle, albeit late. However, I have not been 30 days late and I pay a late fee each time. 
I am requesting the communications cease immediately and contact me only if I should run 30 delinquent. I am usually no more than 10 days late. I have received these unwanted communications every month starting on the day the payment is due, the XXXX of the month until it is paid. This has been going on Since XX/XX/XXXX. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Experian, XXXX  and XXXX  to resolve this matter. They continue to report inaccurate address, and misreporting information on my credit report. The accounts continue to report inaccuracies and they are not responding to my disputes
Product: Debt collection

I began receiving multiple credit alerts through my credit card company in XX/XX/XXXX. The alerts claim that I have an account with Sequium Asset Solution & received a major derogatory status. They claim that they have not received payments for a past-due account for 120 days or longer. These credit alerts have negatively impacted my XXXX XXXX even though these claims are completely false. My credit card company was able to tell me that the creditor was XXXX for a collection of {$570.00}. I have not had an account with Spectrum since XXXX and after reaching out to XXXX directly, they confirmed that my account was closed and there was no active account under my Social Security Number. They did not recognize any report to Sequium Asset Solution. I have attempted to contact Sequium directly many many times, with two different phone numbers, and have had no luck in reaching someone. I have also tried to reach them through their message portal on their website without any success. I have never had an account with Sequium as they claim and do not owe any outstanding bills to XXXX. Even if I did owe a debt, they have made it impossible to reach them. I have submitted a request to dispute these false claims through my credit card company and am hoping to delete this from my credit score which has been Excellent, a score over XXXX, for many years.
Product: Debt collection

Received text from XXXX XXXX XXXX in XXXX XXXX XXXX XXXX. Called them on XXXX XXXX, They told me I owed {$210.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I asked for dates of service. They did not know. But told me that had this in their office since XXXX of XXXX. Told me that they had sent out info to an address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX that I had not used since at least XXXX. 

I know that both entities had the correct address as well and this was either copays or co-insurance after my insurance XXXX was billed. 

I have tried this morning to call XXXX XXXX as this has happened before but not for this amount. I was also told that it was reported to Credit Bureaus and should not have been as was under {$500.00}. XXXX told me the original was just over {$500.00} which is why it was reported. I have called XXXX in XXXX XXXX as I was directed to XXXX XXXX XXXX in XXXX XXXX and they told me to call XXXX XXXX in XXXX who told me to call XXXX in XXXX XXXX. XXXX in XXXX XXXX told me that they showed I owed nothing. XXXX XXXX still claims I owe {$210.00}
Product: Mortgage

I sent my XX/XX/XXXX payment on my mortgage account to Bank Of America on XX/XX/XXXX, to account. They processed the check back to my bank on XX/XX/XXXX. They credited the payment to the wrong account. Since then, they have sent multiple letters from their collections dept telling me I owe them the payment plus late fees. I have sent them multiple copies of the canceled check, and even pointed them to the wrong account number in the processing on the stamp on the back of the check. They have also sent late payment reports to all the credit agencies. In talking with them, they say they are " investigating '' the matter, but can not resolve this issue, even though they have all the information needed to do so.
Product: Credit card

Hi, we're trying to reach American Express since XXXX to make a payment plan. We've been dealing with them for over 30 years and never had an issue. We had a net loss in our business over the last 2 years and were struggling to pay our bills. They closed down all of our American Express accounts and refused to make a payment plan. We got subpoenaed last Thursday for the amount of {$18000.00} and need to pay or attend in court within 15 days. We feel that this harassment is not justified and would appreciate your kind assistance and intervention.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX,15 U.S. Code 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev next ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonab e cause to believe that the information is inaccurate. 
( B ) Reporting information after
Product: Payday loan, title loan, or personal loan

Currently there is a open and closed account reporting on my credit file with OneMain Financial partial account number XXXX and XXXX, I have requested the late activity on the accounts be corrected and updated on my credit report due to me being affected by the Covid-19 pandemic and the creditor agreed to do such. At this time the matter as agreed has not been resolved.
Product: Credit reporting or other personal consumer reports

I am submitting to follow up on my previous communication with the Consumer Financial Protection Bureau, dated XX/XX/XXXX, concerning the presence of fraudulent entries inaccurately reflected on my credit reports. Despite initiating dispute proceedings with the credit bureaus, the problem persists, and I continue to identify the following fraudulent items : -- -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5700.00} -- -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5700.00}. Despite having submitted disputes and supporting documentation to the credit bureaus, the inaccuracies persist on my credit reports. Enclosed are the documents serving as evidence of the fraudulent nature of these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave XXXX my schedule of creditors per my bankruptcy in XXXX/XXXX  2018 and an entry, Lending Club Corp., was corrected to show that it was indeed included in bankruptcy. Per a dispute a credit repair company submitted on my behalf, XXXX changed it yesterday, incorrectly, to a charge-off, with a late payment date as this month- contrary to my court-ordered discharge! I tried to submit online to XXXX, it would not let me. Please review the attached court documents and the excerpt from my XXXX credit report showing it correctly in XXXX with the second page from yesterday changed incorrectly to my detriment to a late payment. Please assist!
Product: Money transfer, virtual currency, or money service

I was selling furniture over XXXX in XXXX. This person became interested in purchasing the item for {$100.00} and wanted to send the money over Zelle. I accepted since I had used Zelle in the past. The person claimed that the system did not allow to send {$100.00} since the account was not business and that the minimum transfer be {$500.00}. So the person asked if he/she could send {$500.00} and that I can send the person {$400.00} as long as I can be trusted. I agreed and proceeded. Unfortunately I sent the person {$400.00} before receiving {$500.00}. I did not receive {$500.00} yet {$400.00} I sent went through. At that point I realized that I was scammed and could not stop the transaction since it takes place instantaneously. I filed complaint with my bank and Zelle but I do not think they care to resolve the issue and I lost {$400.00}.
Product: Debt collection

Recovery Solutions Group sent me an email and written letter threatening to identify, through their own investigation, my personal assets including bank accounts, mortgage lenders , county, state and federal authorities, and tax authorities. They have threatened this without giving me 30 days to dispute the debt.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified.These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1. Confirmation of corrections made to the disputed items.

2. Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3. Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I called in to see why a payment had not been released. I was questioned after i said I was XXXX XXXX the person said ohh you are fcalling on behalf on XXXX XXXX, i stated no i am XXXX XXXX. then i was transferred to XXXX who refused to release my payment. She said she had permission XXXX minutes into the call and its now XXXX minutes into the call and she has refused to transfer me to a supervisor and has still not released my payment.
Product: Debt collection

The signatures do not match. And even though the signature is clearly not mine, NCS has left it, even gone so far and to paperwork, with the fake signatures and still tries to pass it off as real.
Product: Debt collection

XXXX has continued to try and collect an outstanding balance that I do not owe since closing my account in person, in the XXXX XXXX XXXX in XX/XX/XXXX. 

In XX/XX/XXXX I was contact by phone from XXXX XXXX XXXX stating that I was in pre-collections on an amount owed to XXXX. I contacted XXXX, verified I did not have an amount owed and had them mail me a statement balance showing that my balance was XXXX ( {$0.00} ). On XX/XX/XXXX I faxed XXXX XXXX XXXX the statement that I received from XXXX showing that my account has a XXXX ( {$0.00} ) balance. 

XX/XX/XXXX I reviewed my credit report to find that XXXX XXXX had hired CBE Group to take me to collections. I have since mailed the statement that I received in XX/XX/XXXX showing that I have a XXXX balance on my account to CBE Group. 

I was never contacted from XXXX stating that I owe an outstanding balance. I was never contacted by CBE Group that I have an outstanding balance or was being taken to collections or that they were reporting collections to the consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

To whom it may concern : This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified. You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the lack of evidence in this complaint. I don't think your report is accurate. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate.

Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form 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: Credit card or prepaid card

My Apple Card was locked on XX/XX/2023, contacted Goldman Sachs and they can not tell me why it was locked or how I can get it unlocked. They tell me someone will reach out to me eventually, and they wont tell me a timeline for that happening. In the meantime, I can not pay my bill, use my card, see any statements or transaction history.
Product: Checking or savings account

I have been a customer of Citibank for over 16 years. Within the past two years, the Bank began to sneakily begin charging me a {$25.00} service fee every month. Despite never having had to pay this fee before, they began charging it to me without my knowledge or notification. I called today about the fee, and it was clear that this was instituted to catch people like me off-guard, as I was able to move, without any difference in service, to a free account. They were only willing to reimburse me for three months of the fees, however, despite the fact that I have paid more than 10 of such feed.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXXXXXX XX/XX/XXXX
Product: Debt collection

The name of the company is XXXX XXXX XXXX and it is in reference to XXXX XXXX. 

They are calling and texting my wife 's telephone harassing her and I WANT IT TO STOP IMMEDIATELY!! Her number is XXXX. They are calling and texting before XXXX XXXX and after XXXX XXXX. She has nothing to do with this and they need to take her telephone number out of their system NOW. 

Please get back to me immediately and let me know this is being taken care of. What do I have to do to stop them from contacting her. Is there a penalty you can assess to them??
Product: Debt collection

I have an erroneous collection account being reported on 2 of my credit reports by XXXX XXXX XXXX. I contacted XXXX XXXX XXXX on XX/XX/2017, by telephone at XXXX and spoke with a senior representative named XXXX. She advised me that she didn't have any information on this account and if I wanted to dispute it I would need to send a letter to their corporate office at XXXX XXXX XXXX XXXX XXXX ; XXXX, Texas XXXX. I sent several letters via certified mail return receipts ( XXXX and XXXX ) to both Exeter Finance as well as the credit bureau reporting the information asking for documentation and method of verification. I have uploaded this letter as supporting documentation. To date, this account is still being reported on my credit reports and I have never received any responses back from Exeter Finance nor the credit reporting agency.
Product: Credit card or prepaid card

target put unrecognized transactions on my account, now they want me to go through a security survey through the post. 

I disabled online services and now can't manage my red card. 

they asked for the last 4 digits of my drivers license. information I've never given before. 

a target representative named XXXX. 

I sent another email.. 

I added screenshots of my order history and sign in history. 

the unrecognized transaction was on XX/XX/XXXX I've had to spend 10 minutes on the phone to a paid employee practicing unnecessary data retrieval. 

I'm about to travel and don't have time for target to be filling my post box. 

I want to end all mail communication with target.
Product: Credit reporting or other personal consumer reports

I have been attempting to work with this credit reporting agency since XXXX XXXX XXXX. I reached out several times to request that corrections be made to my credit profile. They continue to report the WRONG name, addresses, accounts, and inquiries. I am a victim of identity theft. There were people who had the same name as me who impersonated me and opened accounts in my name using my information. After bringing this to the agency 's attention, they continue to report it. I have specifically requested that my NAME be reported as XXXX XXXX XXXX as this is the exact way that I use it any time I apply for anything. This agency 's failure to do so allowed the thieves to use my information. This agency is in FULL violation of FCRA laws 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), and 15 USC 1681b . They have allowed multiple entities to access my information without having a permissible purpose or my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion was sent a letter in regards to a pay to delete debt to  XXXX   XXXX   XXXX  dispute #  XXXX . They refuse to delete this collection from my report, when by law if the creditor agrees to pay to delete, then Transunion is obligated to delete this collection, not just {$0.00} the amount.    XXXX   XXXX  sent letters to Transunion in regards to closing this account as well.    XXXX   XXXX  Bank also reported to remove account and this has not been corrected either.
Product: Debt collection

I divorced my husband in XXXX of XXXX. He remarried in XXXX. We had no accounts together after our divorce. Him and his new wife ran up their own debt and he passed away in XX/XX/XXXX. I received a notice that I owed {$23000.00} in XXXX credit card bills that were not even in my name. I do not owe their debt .I am assuming that letter I received in the mail may just be a scam but I am letting you know her
Product: Credit card or prepaid card

Trip Cancellation coverage : Due to a severe medical issue, I was advised by 2 physicians not to travel so I had to cancel an out of country cruise. Because it was at the last minute, the Cruise line fee was 100 % non-refundable. 

My Chase XXXX credit card was used to book the trip as it covers trip cancellation coverage as a benefit so a claim was filed for only the non-reimbursable cost of the trip. All required and requested documentation for the claim was submitted in a timely manner. The last request for information from the claims examiner was XX/XX/2022. 

Since the claim is for an amount greater than {$10000.00} it appears that there is a delay. Chase statements were submitted as documentation. I have been told in XXXX that Chase Benefits services required a full trip itinerary .That information was included in the documentation submitted in XXXX. The claims examiner also said they were waiting on Chase to verify the charges submitted as statement copies but would NOT advise who or when the request was made to. 

I believe this is a delaying tactic to not pay the claim in a timely manner. I have called repeatedly to resolve the issue only to stay on hold for several hours without a call pickup. I have sent emails that were not responded to.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX, Experian, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

This debt collector is attempting to collect an alleged debt that is listed under the original creditor on my profile. If this alleged debt has been sold, then XXXX XXXX XXXX  would need to remove their reporting like of credit as duplication of account reporting is inaccurate and a violation of the FCRA. 

I have attached the correspondence from XXXX XXXX, and the reporting of XXXX XXXX on XXXX, Experian, & XXXX.