23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX and the debt collectors they sold the debt to need to erase this debt. They promised that we would have cell phone service at our home. ( The whole reason we were switching to XXXX from XXXX when we moved here ) So asked if service doesn't work were we able to return cell phones. They said ABSOLUTELY. 
WELL, after waiting for phones over a week and a half, we finally received phones. We set up a phone and to no surprise we didn't have cell services that they promised. So went to store to return them. They said ohhh because they were shipped we needed to call XXXX. They said they couldn't return in store since they had to be shipped because they didn't have them in stock. Keep in mind that this caused a significant delay in providing ways on how we can get non-used brand new phones returned to XXXX Spoke to a XXXX at XXXX customer service and he said that I needed to order a cell phone booster kit and that should fix the service issues. So he was going to add that to our account and assured us that that would fix the issues. So we waited. It finally showed up. We installed said booster from XXXX called and let them know it wasn't working either. The lady said I'm sorry and that she would get a return label shipped out to us and return everything and once they get all of the equipment that they would credit our account and would cancel contract. Sent everything back the day I got return label and was promised I would NOT be charged anything because there was not coverage in our atlrea. Nothing should have been charged. Services promised were not accurate. Service and products agreed to were NOT provided. Now going on for XXXX years fighting with numerous debt collectors. Constantly having to dispute this and get it removed from our credit reports. I would like XXXX  to remove this debt from this account and stop sending debt collection agencies to constantly come after us for a debt that I didn't incur due to their lack of cell service at at our house. I pay my bills and have never had to have any accounts in debt collection. EVER. I was assured by XXXX  numerous times over the last XXXX  years that I was not responsible for this debt. 
{$290.00}
Product: Credit reporting or other personal consumer reports

My Nelnet student loan, with a balance of {$29000.00}, w/ " Paid As Agreed '' status, was removed or blocked from my credit report. I did not dispute this account or request the removal. 

The Fair Credit Reporting Act USC 611 ( a ) ( 5 ) ( B ), states If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Product: Credit reporting or other personal consumer reports

The trade line from XXXX XXXX was opened last year in XXXX. It quickly became a collections account but never was removed from the installment loan category. Now it remains under installment loan although the debt buyer XXXX was paid well over XXXX  days ago. XXXX  continuously certifies to Experian that a balance exists where there is none. On the phone with me personally, XXXX said the balance is XXXX. I have provided documents from the Bank, Creditor, and Debt Buyer showing the balance as XXXX and Experian refuses to acknowledge the fraud XXXX is committing. XXXX appears to be holding my credit hostage maliciously. Please help! Thanks
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX And according to the Fair Credit Reporting Act, 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681-5 they are supposed to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. 

And according to 15 USC 1681s-2, they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Disputed Personal Information I have identified that the following personal information on my credit report is incorrect and inaccurate : ( Incorrect ) Date of Birth : [ XXXX ] Correct Date of Birth : [ XX/XX/XXXX ] ( Incorrect ) Full Name : [ XXXX XXXX ] Correct Full Name : [ First : XXXX XXXX : XXXX last : XXXX ] ( Incorrect ) Address : [ XXXX XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX ] Correct Current Address : [ XXXX XXXX XXXX XXXX XXXX, CO XXXX ] ( Incorrect ) Employer ( s ) : [ - ] Correct Employer ( s ) : [ XXXX  XXXX ] This incorrect personal information, coupled with the aforementioned inaccurate account details, must be updated immediately to ensure compliance with FCRA standards.
Product: Debt collection

This account was included in a payment arrangement in XX/XX/XXXX ; actively paying XXXX a month non stop. The account was recently ; added to the my credit report as a collection. I spoke with XXXX XXXX and they told me that this particular amount of {$110.00} was added to my account in XX/XX/XXXX and the reason the amount of {$100.00} was added to my account was because I didn't approved the new amount be added to the payment arrangement. I was told on XX/XX/XXXX that this XXXX of my recent payment of XXXX auto draft went toward the {$110.00} bill. This morning I spoke with XXXX at Bull City and he said there was a system glitch with how the system was able to take the {$8.00} out of the recent payment ; and send the remaining amount to collections. 

This account has been paid in full ; and I am currently awaiting for the deletion letter as I am under contract for a house. Can someone please help me get this deletion letter asap due to this error.
Product: Student loan

I am a teacher and should soon qualify for Public Service Loan Forgiveness. Any time I have tried to enroll or have tried to find information, I have basically ended in a broken link or a form I can not fill out. I started with just under $ XXXX in student loans and after 8 years of paying them on an income-based repayment plan, I have hardly touched the principal balance. In fact, one of my largest loans, A direct loan, originally for {$20000.00} now has a principal balance of {$22000.00}. Last year, I paid over {$6000.00} in interest alone! If I am paying {$6000.00} in interest in a year, with monthly payments at around {$500.00} ( what I can afford as a teacher ), that means I am only ever paying off the interest, but not touching the principal balance. The fact that interest on some of my loans is almost 7 % is outrageous! After 8 years of teaching, I have not made any progress on my student loans, and still don't even know if I am on the right track for Public Service Loan Forgiveness. It's infuriating.
Product: Credit card or prepaid card

The card is tjmaxxx credit card and I never opened an account it says it was opened online on XX/XX/XXXX I just see it in my credit report it says the account was closed on XX/XX/XXXX and the amount owed is {$490.00} as of today I tried contacting and disputing it with the credit card company and havent gotten an answer I never opened this account and it was used in a town I dont live in this isnt the first time my info has been stolen and used please help me its hurt and is still hurting my credit so bad.
Product: Credit reporting or other personal consumer reports

This is one of my numerous 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  XXXX XXXX. Please delete these accounts ASAP.
Product: Payday loan, title loan, personal loan, or advance loan

I have been a customer of Smile Generation, utilizing their XXXX2-month no-interest promotion, which ended in XX/XX/year>. I have always paid my monthly bills through their autopay system and have never missed a payment. 

Despite this, I was charged {$230.00} in interest in XX/XX/year> because the promotion ended. I did not receive any specific notification or reminder about the end of this promotion. The monthly emails I received only indicated that my monthly statement is due without any detailed information about the promotions end. Furthermore, the online statements, which contained the notice, were not regularly checked due to my reliance on autopay. 

The website is extremely difficult to navigate, requiring multiple steps to log in and access important account information. It involves navigating through different domains such as d.comenity.net, which complicates the process. As a result, I was unaware of the promotions expiration and the resulting interest charges until XX/XX/year>. Since then, I have been incurring approximately {$15.00} in interest every month without any notification, bringing my current balance to {$420.00}. 

I have attempted to resolve this issue directly with Smile Generation, explaining the lack of clear communication and the challenges with their website, but have not received a satisfactory resolution.
Product: Checking or savings account

I placed several pre-orders for shoes with a merchant, who subsequently informed me that due to warehouse issues, they could not fulfill the orders and advised me to dispute the charges with my bank. I submitted a dispute with Robinhood, providing clear evidence of my entitlement to a credit and included relevant email correspondence with the merchant. Despite this, Robinhood closed my entire account and denied my disputes. They failed to file a chargeback, as outlined in their terms of service, and did not conduct an investigation. When I contacted customer support, the agents only responded by stating that my accounts were closed, disregarding my specific concerns about the disputes related to my spending account.
Product: Debt collection

I was a victim of identity theft, Ive already filed a complaint with the credit bureasu anmd it hasnt been resolved. I am not responsible for the debt due to the fact that I was a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account XXXX XXXX XXXX XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of XXXX XXXX. This Account is is Inaccurate And Has To Be Removed
Product: Credit card or prepaid card

I made two credit card payments through XXXX to rental agencies, XXXX XXXX XXXX and XXXX XXXX, that were misclassified by Bank of America 's XXXX as utility payments instead of using the correct merchant code. Consequently, this misclassification reduces the cash back rewards since payments to utilities are not classified as travel, but payments to Real Estate Agents and Managers ( Rentals ) are classified as travel. 

In contrast, Bank of America Visa correctly classifies the same payments as travel, providing the correct cash back rewards. 

I have contacted XXXX, Bank of America XXXX to correct the problem, but was given a run around - each saying it is the other 's responsibility to fix. 

Please note that Bank of America correctly classifies these identical payments as travel for rewards.
Product: Mortgage

I received a notice fo pay {$35.00} lated fee when I had mailed the check for XXXX to them on XXXX XXXX XXXX XXXX
Product: Credit card

This is a complaint against Capital One SAKS FIFTH AVENUE MASTER CARD ; Credit Card. I am a victim of identity theft and this credit card does n't belong to me and and was opened without my authorization. Through the law I have the police report which i will attach with this complaint. So you have the immediate elimination.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX for Investigation of Disputed Credit Information** **Re : Account Number XXXX To Whom It XXXX Concern, I am writing to formally dispute the accuracy of certain information reported on my credit report. I believe this information is incorrect and does not reflect my true credit history. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation of this matter. 

XXXX XXXX XXXX Disputed Information The specific information I am disputing is as follows : - **Account Name : ** XXXX/DEPT OF FED - XXXX XXXX : ** XXXX I have reviewed my credit report, and I strongly believe that this account is either inaccurately reported or does not belong to me. This discrepancy has caused significant concern, particularly as it has adversely affected my XXXX XXXX and my ability to secure loans and credit. Given the importance of maintaining an accurate credit report, I urge you to investigate this matter with the utmost urgency. 

XXXX XXXX XXXX Impact of the Discrepancy The inaccurate reporting of this account has had tangible consequences for me. I recently applied for a mortgage, and the lender informed me that my XXXX XXXX was lower than anticipated due to this entry. As a result, I was offered a less favorable interest rate, which could cost me thousands of dollars over the life of the loan. Furthermore, I have experienced difficulties in securing other forms of credit, which has limited my financial options. I hope that by resolving this matter, I can restore my creditworthiness and ensure that my financial history is accurately represented. 

XXXX XXXX XXXX  Request for XXXX XXXX accordance with the FCRA, I kindly request that you provide me with the following : XXXX. Copies of any and all credit reports that include this account. 
XXXX. A detailed description of the processes you utilized to verify the accuracy of this account, including the names and contact information of any data furnishers contacted during your investigation. 
XXXX. A complete copy of my credit file maintained by your bureau, including any relevant documentation related to the disputed account. 

To facilitate this process, my date of birth is XX/XX/XXXX, and the last XXXX digits of my Social Security number are XXXX. I appreciate your prompt attention to verifying my identity, which I hope will expedite the investigation process. 

XXXX XXXX XXXX Conclusion I understand that these matters can take time ; however, I respectfully request that you prioritize this investigation due to the significant impact this inaccurate reporting has had on my financial situation. Thank you for your attention to this important issue. I look forward to your prompt response and a resolution to my dispute. 

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

I sent an initial complaint dated XX/XX/XXXX with the inaccuracies that are being reported differently across Experian and XXXX. They ( XXXX ) received that letter with certified returned receipt on XX/XX/XXXX. I received an email on XX/XX/XXXX XXXX Their response was a " canned '' response that " This account has been transferred to XXXX XXXX as of XX/XX/XXXX, and they are the new servicer of the loan. '' A second letter was sent today ( XX/XX/XXXX ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that don't belong to me. please remove .XXXX, XX/XX/2019, XXXX, XXXX XXXX, XXXX   XXXX credit card XX/XX/2019, XXXX XXXX  XX/XX/2019, XXXX, XXXX   XX/XX/2019 XXXX, XXXX XXXX  XXXX , XXXX  XXXX XXXX   XX/XX/2019, XXXX XXXX XX/XX/2019, XXXX XX/XX/2019, XXXX . im starting to apply for credit and now I have all these inquiries on my report. They stated this was done online and not in person please remove this from my report
Product: Payday loan, title loan, or personal loan

PLEASE NOTE : This loan is in my intellectually XXXX daughter 's name. ( XXXX XXXX XXXX. ) I am her XXXX XXXX. I was unaware she took out this loan. My first problem was attempting to pay off loan ahead of schedule to avoid additional interest. I can not get a copy of what she signed. Customer Service ( overseas ) claims to not have access to the information, and says we must set up online account. We have been unable to do so. Original loan was set up under her boyfriends ' email and phone number ( she could not remember her XXXX password ) and we have made at least 4 attempts to change that information by phone. We were told we would receive an email " within 3-5 business days '' allowing us to set up online. We received that email ONCE out of four requests. This is what it said : " This is a single-use link that expires in 3 days.... Once submitted, please allow 4 business days for your documents to be reviewed and, if approved, updated. You'll be notified via email on the outcome of your request. '' ( Copy of full email attached. ) When I attempted to use that link, I was " thrown out '' from their page, and the link was no longer usable. So, after over a month of repeated phone calls, we got one link, it expired in 3 days, it was single use, it did not work. In at least 6, probably more, phone calls, we were passed to other representatives, disconnected, told by a supervisor that there was no one else who could assist us, and told repeatedly we would receive emails that never came. I estimate we spent around 3-5 hours trying to resolve issues by phone. 

In frustration, I attempted to use the original email and phone ( boyfriend 's ) to set up online. After 50 minutes of repeatedly uploading ID, picture of daughter, picture of daughter holding ID, literally dozens of times, I received an error message saying there was a problem. I then tried again for another 5 minutes of uploading documents several times, message was " we can not set up your account at this time. '' ( Screen shots attached. ) A legitimate financial company can access your information when you call. It will allow you to correct errors or update information immediately. It will allow you to set up online. It will provide you with a copy of documents signed. It will normally allow you to pay off a loan that is amortized monthly early, without having to pay the interest for the entire term of the loan. I can not confirm what the terms were because I can not get a copy of them. 

I have already paid most of this off, as much as I could estimate with no information provided. I will make a final payment to satisfy what I feel is the appropriate balance amortized at the rate told to me, 27.95 %. If I can get something that my daughter signed that allows for a full year of interest despite early payment, I will pay the balance. I can not believe this company is abiding by US laws on financial disclosure. It should be shut down in the US.
Product: Checking or savings account

I called Monday XX/XX/XXXX and the XXXX about closing my account and they tell me it's closed but yet my direct deposit into my regular bank account didn't go through. There was also another point of contact when my card was just turned off. I can not enter my old account info, it won't let me. They XXXX  me again and now I didn't get paid today. I want my wisely account deleted completely and my old information restored
Product: Checking or savings account

I called Amex said my XXXX ACH wouldn't link and caused error. My XXXX XXXX was supposed to be ACH but didn't code as such.
Product: Credit reporting or other personal consumer reports

Credit billing dispute submitted and XXXX letters to CEO and creditor directly.Follow up calls placed to creditor for open account that has been in good standing since XX/XX/year>. I was told a response would be provided in XXXX after submission and have not received any results or update on my account. 
I did not consent to this being reported on my consumer report. Anything being reported needs to be consented by the consumer. After recently pulling a copy of my credit report, I was shocked by what I discovered. I noticed there were late payments that are reporting on my credit report that 100 % SHOULD NOT be being reported on my credit report. I would like this to be rectified. I was not properly notified according to 1637b of this title is mailed or delivered to the consumer not later than 21 days before the payment due date prior to late payments being furnished to XXXX, Transunion and XXXX. 
( Please see attached )
Product: Checking or savings account

An account was opened in my name and i didnt open it the date was in XX/XX/year> and it wasnt me it had open things and it hurt my credit scores significantly but now my credit score is way too low for me to be able to do anything get a car loan how long flex loan care loan any type of loan for me because of these guys and I called and talk to some people and ask for asked for documents to fill out and it was nothing was never to send to me and to this day im trying to get myself out if this hole they have put me in and quite frankly, I dont believe it is fair that I have to do all this to get myself. My credit score out of a hole that I did not put myself into.
Product: Debt collection

I received a debt collection letter form Americollect for a medical bill that I owed. I sent an email asking for verification of the date, by which a letter was sent to me regarding the debt. The reason I disputed the debt was because I never received anything from the original creditor stating the debt was owed. Upon receiving the verification of the debt what I noticed was that the XXXX XXXX XXXX XXXX received payment from my insurance on XX/XX/21 and instead of sending me the bill they wrote it off on XX/XX/21 and sent it to collections without having the opportunity to pay the bill. Any previous bills I had received I paid upon me receiving them. Furthermore they sent me text messages about previous bills were due, but for this one they did not send anything. Even if they had sent the text on XX/XX/21, the same day that my insurance paid their portion, it wouldnt't have mattered because 3 days later they sent it to collections. 

XX/XX/21 XXXX XXXX {$150.00} XX/XX/21 Provider received payment {$100.00} XX/XX/21 Written Off/sent to collections {$19.00} The issue is not the amount due as I was also able to confirm the amount via my EOB from my insurance plan. The issue is an account being sent to collections and a debt collection letter being received regarding a debt that was never invoiced to me.