23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have 2 complaints with ProCollect : 1 ) Trying to collect a debt that has already been paid. 
I moved out of XXXX XXXX XXXX, XXXX XXXX in XXXX of 2021 due to complications with COVID 19 and ultimately, unemployment. I transferred to another apartment within the same apartment complex. At the time, I had a grant from XXXX XXXX, VA that paid for most of the costs and had extra monies in my " apartment account. '' I have a statement from XXXX at XXXX, the apartment complex, from XX/XX/2021 stating all monies had been paid on the Apartment. I never received notice of the {$950.00} damage bill being collected until after I called ProCollect and disputed a {$950.00} damage bill associated with damages to XXXX XXXX XXXX, XXXX XXXX and referring to a signed document that was an addendum to the XXXX XXXX lease. When I disputed this bill and stated it was false due to the address listed on the paperwork they were claiming, ProCollect brought placed it on my credit report and associated it with XXXX XXXX and with a new date. Again this debt had already been paid 2 ) Prior to the debts being reported to the credit bureaus, I tried to contact ProCollect multiple times. I was told after my first round of disputes I could not speak to anyone besides a XXXX XXXX within the company. This elusive XXXX XXXX can not be contacted by phone. I emailed him 3 times prior to the bills being reported to the credit bureaus. I have disputed the bills with the credit bureaus and each time have been told that I am at fault even though I send in the documents I have. I have contacted him 2 times in the past two weeks, stating I just want to pay the bills, even though they are not mine, just to be done with it. Again, no response. I am at a loss. Please help.
Product: Credit reporting or other personal consumer reports

I recently discovered that I have been a victim of identity theft. I was reviewing my credit reports and found several fraudulent accounts and inquiries that do not belong to me. I have no memory of opening these accounts or authorizing these inquiries, and they are negatively impacting my credit score. I was told that Equifax verified them with XXXX, but they have not removed what XXXX already deleted for me. 

Please remove the following 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 XXXXXX/XX/XXXX. Also, please remove the following hard inquiries : - 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 I started disputing these last month but I don't see any improvements. I have attached here my ID, SS card, and a proof of address, together with my FTC report. Please remove the late payment on this too as I was never late in all of my payments with them, but because my accounts were compromised, it affected all my automatic payments too, including this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint on XXXX XXXX XXXX. I opened a loan account with them on XX/XX/XXXX the loan was for XXXX with a monthly payment of {$190.00}. I started to make payments then I lose my job at the same time I was going through a divorce and was unable to continue to make the payments I spoke with the supervisor over there and informed him of the situation I was in he stated he would do his best to hold off. He asked if there was any kind of payment that could be made I said not really as things were really bad for me. In XX/XX/XXXX XXXX XXXX XXXX Charged off my account for non-payment as I was unable to make the payments.I was hit with a heavy penalty from the Credit bureaus. I was notified by a company about them being the new account holder. At the time I was unable to make any arrangements so I waiting til I was able to. I called the company their name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent up a payment agreement with them of {$100.00} to be taken out of my account monthly on the XXXX of each month. My first payment was to be a little more it was {$250.00} and there after {$100.00}. I made my first payment in XX/XX/XXXX and have made a payment each month. Well on XX/XX/XXXX I get an alert that I was hit with a serious delinquency on my credit reports when I called to check on what it was it was XXXX XXXX XXXX they had changed the status from charged off/ closed/ transferred to OPEN status. Now I haven't had any contact with them, only the XXXX XXXX XXXX XXXX. I was now hit with another huge credit score drop. If my signed agreement is with XXXX XXXX XXXX XXXX how can XXXX come back and change the status to OPEN with the credit bureaus? 
I have now been hit twice by the bureaus and my score has dropped tremendously.
Product: Checking or savings account

On XX/XX/2025, I went to my local PNC bank located at XXXX XXXX XXXX XXXX, XXXX, IN XXXX to make a cash withdrawal of {$3800.00}. The teller informed me that they did not have that amount of cash on hand. They offered to write me a cashier 's check to myself. They also told me I could take the cashier 's check to a different bank to have it cashed for a small fee. They denied my cash withdrawal and I left the bank without any of my money.
Product: Credit reporting or other personal consumer reports

Several fraudulent inquiries and accounts listed on my credit report. These accounts and inquiries were opened and reported as a result of identity theft, which occurred due to the XXXX, Experian, and XXXX data breaches. As a victim of these breaches, I am requesting that these fraudulent accounts and inquiries be blocked and deleted from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed them on several occasions ( at least 5 times ) and that the only Name, Address, and Telephone # and Employer information that should appear on my credit report is the following : address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Tel : XXXX Employer : XXXX XXXX XXXX XXXX
Product: Credit card

I paid my walmart store card balance in I full a hold has been placed on my account for out if pattern payment ( still on hold ) am told it can take XXXX days asked XXXX badge # XXXX if i can expect this XXXX month and she told me it certainly was possible for " out of pattern '' payments
Product: Debt collection

I have a XXXX XXXX Visa Credit Card provided by XXXX XXXX I transfer my balance {$7000.00} to three different credit card debts on XX/XX/XXXX. {$1400.00} transfer to XXXX XXXX by XXXX XXXX credit card, {$3000.00} transfer to XXXX XXXX, and {$2600.00} transfer to XXXX XXXX credit card by XXXX XXXX  credit card again, and the last transfer have failed, {$2600.00} didn't go to XXXX XXXX   credit card, but XXXX XXXX Visa Credit Card balance it been transfer. 
I have call four times customer representatives, first one POOr Attitude, second one very nice give me advice to apply a dispute by letter, third one she is very patience and  professional, and last one she put on hold and never answer me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. Other information I would like changed XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. BANK OF AMERICA ACCOUNT NUMBER : XXXX
Product: Mortgage

We exit the XXXX XXXX XXXX program in XX/XX/XXXX and have still not been unable to receive our final loan documents from aour approval on XX/XX/XXXX for the loan combo motification that we accepted. 

We have called multiple times and was assured that our denial of the loan modification that was approved on XX/XX/XXXX was accepted and that our acceptance of the XX/XX/XXXX loan combo was accepted and that we would be receiving those final documents in a few weeks. 

However on XX/XX/XXXX we received the same final documents from the XX/XX/XXXX loan motification which twe declined and we are still waiting for the correct loan documents to be sent out to us with a mortgage payment of XXXX in which we did accept this agreement. We told by several of customer care personnel to start making this new mortgage payment amount starting XX/XX/XXXX and that we will be receiving the new documents with in a few weeks. 

Each time we called we are told that the new documents will be sent out to us and we are still waiting for these documents since XXXX. Also, we were told numberous times that this have been escluated to a supervisor/management and to the underwriters We would just like to resolve this so that our mortgage will be back on track and we can move on with our lives
Product: Credit reporting, credit repair services, or other personal consumer reports

This dealership XXXX XXXX ( located in XXXX, Fl ) is completely dishonest. They will do anything to make a sale or profit. Even if they have to lie to you. Prior to making the purchase on XX/XX/2023, my husband and sat down with their finance guy XXXX and had a chat with him prior to signing anything and prior to making the purchase. I specifically told XXXX that i'm okay with making the purchase in cash but him and the sales guy XXXX continued to convince me to apply for credit with them telling me I need to build credit and so on. I specifically asked him how my credit would be affected if I decided to go ahead with credit. I told XXXX and XXXX that I will not authorize or give my signature for a credit check if it results in more than 2 hard inquiries on my credit report. XXXX then promised me and assured me that it is only going to be 2 inquiries from XXXX XXXX XXXX and it will NEVER be more than 2 inquiries and I have nothing to worry about and that I should go ahead and sign to authorize him to do the credit check. He assured me of this over and over. I then went ahead and signed. I got home and saw 7 inquiries on my credit report. He knowingly lied and mislead me for my signature. I gave him a call and he denied it at first claiming that it's only two inquiries and I then told him that I can very CLEARLY see 7 inquiries on my credit ( from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and only then did he finally admit it, claiming that he made a " mistake ''. A few days later, his manager XXXX explained to me how the credit check process works and it was pretty clear that he knew what he was doing and it wasn't a mistake. He just wanted to do whatever it took for me to get a loan with them so they could profit. After that, their sales manager XXXX claimed he was going to make this right and he was going to help me get the inquiries removed. A month later I told him that the bureaus just want a letter from the dealership detailing the mistake and asking to remove the inquiries and that would be the end of this entire situation. But for some reason, at that point he began to deny their mistake and began refusing to assist with the letter to remove the inquiries, and he was claiming that he thinks i'm recording him. Which is ridiculous. I don't understand why they're so worried about fixing this mistake. Why they're paranoid about being recorded even though I was not recording them. Something very shady is going on with that business. That is clear.
Product: Credit reporting, credit repair services, 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 XXXX - - -No Data XXXX  XXXX XXXX {$32.00} XXXX  XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX - - -No Data XXXX  XXXX XXXX {$37.00} XXXX XXXX XXXX  XXXX {$30.00} XXXX XXXX XXXX XXXX {$48.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXXXXXX {$10000.00} {$260.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX U XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX XXXX - - XXXXNo Data XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$5400.00} {$100.00} XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX XXXX {$30.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX OF XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX  XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( 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.
Product: Credit card

I used my Chase credit card to purchase a video game console in late 2023 from XXXX. XXXX failed to give a discount for a coupon on the order after it was delivered same day. XXXX customer support told me they could not adjust the price charged and to return the item and order it again. and gave me a return label. 

This happened three times. All three times XXXX gave the return label and accepted the return. They even sent me an email of confirmation for the returns. 

On the fourth attempt, the shipt driver, a company XXXX uses for delivery when XXXX takes too long, the driver opened the box and I was told I could return it. 

All four instances were approved and tracked via XXXX XXXX. XXXX refused to refund me for all four items, which added up to around {$2100.00}. Despite sending an approval email and tracking showing delivered and signed for by their warehouse manager. 

I filed disputes with Chase with all of the documents, tracking and XXXX proof of acceptance emails. 

Chase keeps reopening the dispute to allow XXXX to have the disputes under merchant review. It has been 13 months since I opened the original 4 disputes. 

Chase has had me on the phone for a total of 22 hours for the past year. Explaining the disputes to multiple dispute agents. Told it would be taken care of in 35 days or less and that no late fees or interest will be added. I have done this 7 times with their agents. I was told by multiple supervisors it would be taken care of within 30 days. Your evidence and tracking are proof enough. 

I have been charged late fees and interest and had them removed after a week of messages with their support every month except this past XXXX. This week they refuse to reverse the fees, despite their TOS saying they wouldnt happen. 

This {$2100.00} has been on my credit report for over a year now and is actively hurting my credit score because Chase never issued temporary credits, nor permanent credits. XXXX refuses to talk to me and my address is now blacklisted from purchasing online via their website. 

On my dispute tracker on Chases website, the disputes have multiplied multiple time because they keep reopening them. 

Chase closed my credit card after the first 35 days of the disputes in XXXX XXXX. My balance was {$0.00} prior to this issue. When I asked the agent why, they told me once this is settled and the disputes are closed, based on your evidence, likely in your favor, call back and we can help you get the card back. 

Again, it has been 13 months of 4 disputes. 
I just want this to be over and credited for the returned merchandise from before XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out a {$500.00} installment loan. I paid {$200.00} of it off and was diagnosed with XXXX XXXX. I was no longer able to pay. I had been fighting for my life and was taken to court. A judgment of {$2500.00} was given against me on the {$500.00} loan. I also have a XXXX XXXX XXXX XXXX XXXX and have relayed all of this to them trying to work out some type of payment plan. They have shot down everything. They now say I owe over XXXX and are absolutely not willing to work on a payment plan with them. I have offered XXXX, XXXX, XXXX, and now XXXX and they would rather garnish my bank account that is negative. They are ruining my life over a {$500.00} loan. I believe they are not upfront with the interest charges as no where did it ever say I could end up owing XXXX XXXX dollars on a {$500.00} loan. I lost my mother to XXXX XXXX and have been fighting for my life and this company has no humanity at all. I just want them to be reasonable and work with me.
Product: Credit card or prepaid card

Someone keep hacking my NetSpend account! they are using my account number and keeps Stealing my personal information without my consent! 












XXXX XXXX
Product: Credit card

Please be advised on XX/XX/2016 I sent Chase information Pursuant to 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I sent the correspondence in the attachment to Chase! Chase has not provided any documentation as outlined in 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( E ) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : On XX/X/2017, I disputed INCORRECT ( address ) information on my INNOVIS credit report. I specifically, I provided tangible and legal documents with detailed information and proof ( both personal information & information as PROVIDED and REPORTED by the creditor ). I specifically, addressed/highlighted the incorrect information which had to be correct. My residence is a single family HOME and they report an apartment, which is completely inaccurate and non existent. On XXXX/XXXX/XXXX, I received information that the dispute was completed ; however, the address is still appears incorrect. I am aware under Federal guidelines that ( 1 ) either the information is corrected and/or ( 2 ) info be deleted in unverifiable. I am seeking source information, as still the info is not valid, accurate, or even verifiable ... because it does n't exist. Clearly, their is a disconnect with the Innovis as the repository was not only provided the correct, legal proof, regarding my inquiry ; but, also was provided the exact proof as indicated, provided and reported by/from the creditor. Your assistance is greatly appreciated to rectify the issue ASAP, as it is incorrect and further damaging.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent in a dispute letter regarding inaccurate and unverified accounts on my consumer credit report and still I have yet to receive any response. It feels as if my disputes are being ignored and I feel taken advantage of behind this. To my knowledge according to federal law, it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress this has caused me for these individual acts that violate my rights as a consumer. I have a right to privacy and their non compliance with authority and negligence of reason has caused me too much damage. My information was also impacted by the Equifax data breach and XXXX have got into the wrong hands. My rights have been violated due to their negligence and non compliance with federal law. There was no authorization given verbal or written given consent to release any information on my behalf plus these accounts are inaccurate and unverified. I am willing to settle this matter without any admitted liability. I am demanding deletion from all consumer reporting agencies.
Product: Payday loan, title loan, or personal loan

I submitted an XXXX revocation on XX/XX/2023. I have signed up with a debt consolidation company and this account was included. On XX/XX/2023 Explore Credit debited my account for {$150.00} which caused my account to be overdrawn. I contacted the company about the revocation and they said they received the revocation in plenty of time but would not honor it until I send them 3 months bank statements, a copy of my drivers license and of all things, a selfie. I advised them they were not getting that and that the XXXX revocation should be enough. They advised until they received all of those documents they would not honor the revocation and would continue to debit my account