23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have two collections on my credit report from this company that are both for medical bills and are both under {$500.00} ( one for {$460.00} and one for {$260.00} ). They are from Americollect and there is no phone number anywhere to reach them. I have written letters and have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian have shown four incorrect addresses on my credit report. Addresses I have never had a residence at, I have sent Experian my correct current address and it was never updated and the 4 incorrect addresses deleted on my consumers report. Experian has to be mishandling information.
Product: Credit reporting, credit repair services, or other personal consumer reports

( NOTE : I LISTED THE WRONG CREDIT CARD CO. NAME ON MY PREVIOUS COMPLAINT ID XXXX ). CORRECTION BELOW. 
XX/XX/20 : XXXX XXXX ( XXXX ) IS REPORTING OUTDATED XX/XX/20 INFORMATION TO EXPERIAN & ALL CREDIT REPORTING AGENCIES. THIS IS THE ONLY CREDIT CARD COMPANY WHO REPORTS OUTDATED INFORMATION. WHY???
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX. I was charged by transunion twice, for the amount of XXXX. In total, XXXX. This started because I signed up for the FREE 3-day trial of their service to access my scores. It said in small print you can cancel your trial and not be charged as long as you're not within 24 hour period of bill being due, I would say I was on the site a total of 30-40 minutes. Never reached day two. So I'm really not sure how I got charged once, let alone twice. I use many other credit sites, but none have ever charged me like this.
Product: Debt collection

XXXX was already paid in full, but Receivables Performance has not only been harassing me for {$75.00}, they went on to send a derogatory remark on my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these inquiries are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

There are two fraudulent. The scammers names are XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 
They asked me to pay money for the purchases of electrical equipment but they did not send me. I sent 800 $ for the first transfer on the XXXX of XXXX for the name XXXX XXXX XXXX XXXX XXXX. 
I sent XXXX $ for XXXX XXXX. It was the second on the XXXX of XXXX. 
I have already requested and recalled the XXXX and announced bank that it was fraudulent. They told me that it takes 5 days. But I do not believe in the system of refund money of XXXX. Could you help me, please to receive my money back? 
The scammers^s account names are the below information. 
Account Name : XXXX XXXX XXXX XXXX XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Bank Branch : XXXX - XXXX XXXX  : XXXX Bank Address : XXXX XXXX XXXX Recipient Address : XXXX XXXX XXXX - XXXX XXXX XXXX Name : XXXX XXXX Bank name : First Citizens Bank Account type : Checking Account number XXXX XXXX Routing Address : XXXX Country : USA XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX North Carolina XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have reviewed my credit report and see that your company ( CONVERGENT OUTSOURCING, INC ) has listed an account on my credit file with A balance. ( XXXX XXXX W/BALANCE OF XXXX ) I have attached A screenshot of the reporting reflecting on my consumer report. I have sent A certified letter to have this debt validated and have received no response as of today. I am not refusing to pay this balance or account but I am sending you this notice that under my rights according to the Fair Debt Collection Practice Act ( 15USC1692g Sec 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting validation of the account. Please note : I am not requesting verification of the account and I do not need you to send me proof of my mailing address or prior invoices. I am respectfully requesting that your office provide evidence that I have A legal obligation to pay you. Please provide the following : 1. Detail of what the money I owe you is for. 2.How the amount you claim I owed was calculated. 3.Copy of your agreement with the original creditor. 4.Provide me with physical papers that show I agreed to pay what you say I owe ( Including my signature ) 8.Please provide A copy OF YOUR LICENSE TO COLLECT in my state, including the number and registered agent. Please ACT IMMEDIATELY, as i am sure you are aware that reporting invalid information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue collection issues. If any negative information is found on my credit report file without this account first being validated. I will be forced to contact both the Federal Trade Commission and the state agencies and PURSUE LITIGATION for violation of the FCRA as well as the FDCPA. I will also file suit for defamation of character. Once you provide me with the above referenced information I will need 30 days to investigate the information provided. During this time, you MUST CEASE AND DESIST from collection activities. If you do not respond within 30 days the referenced account should be removed from my credit files. Please send me evidence of the deletion.
Product: Credit reporting or other personal consumer reports

it has come to my attention that my personal information was exposed in a national data breach. I have notice accounts that do not belong to me on my credit report. I have asked for validation of the debt and the information has not been provided. I will include my ID and my submitted ftc report. under 15 U.S. Code 1681c2 all accounts in breach needs to be deleted
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Capital One 360 posted a promotion code to open a new account for a {$200.00} bonus ( the code was " XXXX '' ) They later claimed that this code was " targeted. '' However, the company had no issues letting me use the code to sign up, and the confirmation screens ( that I screenshot ) even confirmed that I was eligible. 

Capital One 's customer service then made up multiple reasons why I was n't qualified for the bonus, even though I followed through on their terms stated to deposit {$10000.00} into the Money Market Account. 

My statement is that because their system stated that it was ok to sign up, the consumer should not be tricked into signing up because of Capital One 's fine print. Clearly, a sign up system that approves the code should mean that the offer was accepted by the company. I think Capital One is being fraudulent in their promotion offers, and intentionally letting consumers sign up to make their new account numbers look better.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported {$520.00} as unpaid to my credit which was incorrect, I disputed it and it was removed from my report. Then it was sold to another Jefferson Capital System bought the account and with no notice or a chance to dispute, they just reported it to my account and this has impacted my credit score and ability to get a job,
Product: Credit card

I want to see the records for the amount of times I tried logging in to make my payment for XXXX since you saw I was able to log in successfully in XXXX. XXXX was when I was having issues with the website to make my payment and ended up with a late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well me being honest I seen things on my credit report that was XXXX that things that was in the past that somebody else has used my information to things that I had knowledge about I kept honest about the things I didn't have knowledge about I didn't have knowledge about most things on my thing on medical. Open accounts like MasterCard hard and requires buy stuff like that I apply for certain things and I didn't apply for so it ended when I put the dispute and they say it's too fresh or is open like too early but for real for real I really think that right stuff should be swiped off my record because I didn't write process I got XXXX so that she took care of the hospital stuff I put the right dispute in and told the truth I'm just saying what's going on this supposed to be America right is right is wrong as wrong identity thieves living off of good people only thing I could do is be honest
Product: Money transfer, virtual currency, or money service

I was a victim of Venmo fraud. I reported my phone was hacked and my Venmo account and connected bank account was hacked. I reported to Venmo and to my bank and credit agencies. I also filed a police report and had to close my accounts and reopen new ones. My bank blocked the payments but Venmo keeps refusing to accept this as fraud. The total is almost XXXX XXXXXXXX and Venmo said since my bank blocked the payments to a fraudulent scammer that they paid the fraudulent scammer on my behalf and I now owe Venmo the money. I reported fraud and spent multiple hours on the phone with them. I provided the police investigation and all documentation. They are still coming after me and froze my account and have taken all payments that have been received and taken them for themselves. I disconnected my bank account and they are still trying to access it without my permission. I was forced to open a new account. Venmo needs to reimburse the money they stole and take the money back from the fraudulent account. They refuse to let me close my account even after providing all documentation and reporting to the police and all credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX & XXXX Account XXXX XXXX XXXX  - Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

When logging onto Experian to freeze my credit, their website makes it appear as if I must PAY to buy their services to " lock '' my credit file. It is extremely difficult to search their website to find the link to file a credit freeze. If I didn't already know the difference in a credit freeze and their shamelesseffort to make me think i had to pay to buy their credit LOCK, i would never have spent an HOUR searching for the way to freeze my credit. Then after i had successfully logged in and verified my identity, they denied my request to place a freeze, and said i had to send a written certified mail request. 
Experian was quite happy to SELL me their Credit Lock services, but entirely unwillingto provide the FREE credit freeze to which I am entitled. 
This is abusive to the consumer. The other 2 credit bureaus make it simple to place or lift a credit freeze. Only Experian engages in this deceptive tactic to sell their services. 
Please impose a heavy fine on them
Product: Checking or savings account

For a year I have mobile deposited my payroll check into my Chime account and its always available end of same business day. Thursday the XXXX when I deposit, they put a 9 day hold on it and send me some email about waiting for it to clear so to make sure it doesn't bounce. I spoke with customer service, the lady said the check has been accepted and funds have been transferred she doesn't know why the hold is there, so I ask for it to be escalated to a manager. The manager tells me nothing can be done and even laughs when I tell her this is fraud and theft, I'm a working class man living paycheck to paycheck and a 9 day hold means I won't have gas for work next week.
Product: Credit reporting, credit repair services, or other personal consumer reports

This problem began last year towards the end of XXXX. I saw my score drop almost XXXX points & knew something was wrong. Our mortgage company had falsely reported us missing a payment, so now I had an account in delinquency & for the first time ever : less than 100 % payment history. Immediately, we tried disputing this bc we knew it was incorrect. We got married last year, earlier in that same month, and we were actually ahead on our mortgage cause we paid more than we needed to that month or the month before ( just to be safe, since weddings can get expensive ). Neither the credit reporting agencies or our mortgage company have taken this error off my report since it happened, even though we have confirmed with our mortgage company that we didn't miss any payments & that our account is up to date. They've made this mistake multiple times since then, so much so, it now shows up as 3 missed/late payments. Since this happened last year, I've lost upwards of $ XXXX in credit card limits bc they would check my report, see the " delinquency '' and lower my limit, then my score would lower bc my utilization was higher ( due to the lower limit ) & when they'd check again routinely, they'd see lower score + " delinquency '' still & lower my limit AGAIN. I've been stuck in the financially debilitating cycle for over a year now & disputed time & time again thru XXXX XXXX with XXXX & XXXX no one will correct the errors. We have spoken to our mortgage company so many times now about this issue & I still can not understand why they won't correct their own error since our account is in good standing/we 're ahead on our loan/etc.
Product: Credit reporting or other personal consumer reports

Company is now reporting that the bank is reversing payments and also claiming bank is reporting insufficient funds when bank has not reversed payments, as reflected by balance, & no reports of insufficient funds as per balance. A call to XXXX XXXX also confirmed they are not reversing payments & no insufficient fund reports had been generated. If the payments were not applied or provided then where is the money/payments equalling over $ XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked companies to investigate account to make sure it was XXXX XXXX accurate and correct according to FCRA, account is still reporting inaccuracies causing harm to my credit. 

XXXX, In XXXX, XXXX XXXX reported ok ( paid ), but on XXXX, XXXX Transunion reported 30 days late. Which bureau is XXXX XXXX accurate? 

XXXX. In XXXX, XXXX XXXX reported XXXX  days late, but in XXXX, XXXX Transunion reported ok ( paid ). Which bureau XXXX % accurate?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just reviewing my credit score and noticed four unknown credit inquiries. Three occurred on the day that I purchased a new vehicle, however XXXX XXXX is reporting an inquiry on XXXX XXXX, 2017 via XXXX. On this date, I was still just visiting different dealerships. I can confirm this because I took pictures while at XXXX XXXX and the date lines up with this credit inquiry. I specifically told the car salesman that I did not want to have my credit ran. I never gave any authorization neither did I provide my social security. More so, they never mentioned that they even ran it so I had no idea until now. When the sales person could not get the car I was interested in down to the price that I wanted, he attempted to convince me that another in a different color would be just as good but I assured him color mattered and I would not be leaving without it. Unfortunately, they still kept me there for hours by insisting that his manager wanted to speak with me, all while holding on to my drivers license. When I finally got it back, he said maybe we can try again that weekend. I never went back.
Product: Debt collection

On my recent credit report, Barclays Bank Delaware has a charge off in the amount of {$360.00}. I did n't receive a notice about it and do n't remember owing them anything. When I attempted to call, XXXX, I was told the account was not with them and given another number which is XXXX XXXX and XXXX. However, I called them on two separate occassions and was told they only handle XXXX people 's accounts, this has been a problem with Barclays, and was provided another number, XXXX. At this number, I was told they do n't handle the account and was given another number, XXXX, which no one answers the phone. I am attempting to get a mortgage to purchase a home and this is the only negative item on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost I want to say that Capital One is a great company and it has been a pleasure doing business with them for many years, however they have been reporting inaccurate derogatory information to my credit file which is damaging to my credit score and reputation. I have two credit cards with Capital One that show inaccurate late payments. I don't recall ever paying these accounts after the due date. I have asked Capital One to correct this information but they state that they confirmed that the late payments are correct. They have not supplied me with any documents, such as signed and dated cashed checks or any other physical documentation containing my signature showing when payment was due, when payment was made and when payment posted. Capital One is also out of compliance with the Federal Fair Credit Reporting Act specifically in that they failed in their duty to notify me regarding their reporting negative information with regards to FCRA 623 ( a ) ( 7 ) ( A ) ( i ) and also failing to notify me within the given time frame with regards to FCRA 623 ( a ) ( 7 ) ( B ) ( i ). Capital One has also not conducted a " reasonable investigation '' that would remove any doubt of the accuracy of this information they are reporting to the credit bureaus as outlined in the FCRA 623 ( a ) ( 1 ) ( A ). A copy of correspondence from Capital One to me is attached to this complaint. At this time, I would like Capital One to update these two accounts to a Paid/Never Late status on my credit reports as they can not verify that this information is accurate.
Product: Debt collection

I took out a loan for XXXX $ in 2012. Did n't understand the terms since the only documents they had to give me were in XXXX and i dont read or write XXXX and i told them they said juat sigh here. Then moved and had a hard time paying. When i got a better job the refused to take payments. They use very inappropriate language and talk to me very inappropriately. I have made lots of attempts to make payments. The guy that i talk to actually told me that if i sent in a small payment that was n't at least {$700.00} that he would send it back. Every time i try and call and talk to someone else they tell me there is no one else. I believe that this is an attempt to get more money. Since they have just kept charging me more fees since i have not been able to make any payments. I dont believe i should have to pay {$1400.00} for a {$500.00} loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under XXXX and EXPERIAN XXXX XXXX  XXXX 120 days late in XX/XX/2018, XX/XX/2018, XX/XX/2018 You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!