23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I call Home Depot to make a payment of XXXX dollars the machine malfunction and said the amount of XXXX cents..I said no XXXX dollars, I called customer service to stop payment they couldn't stop it, then I called my bank but Home Depot had an already took my payment. I filed a claim to receive my refund but they told me that I had to wait for my refund..I 'm on a fixed income and they took every dime out of my account, I could not pay my bills for the month of XXXX because I have no money to pay my.bills. I spoke with someone at Citi Bank and was told I have to wait until XX/XX/XXXX to receive my refund.. Home Depot is a big corporation.why should I have to wait so long..I received a letter 2 weeks ago telling me that I'll receive a refund of XXXX cents, that's minus XXXX, still no refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX account # 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.
Product: Debt collection

Diversified Consultant is reporting to the credit bureau that I owe a XXXX account in the amount of {$980.00}. Accounting to my credit report the account was open X/X/2015. I have never had an account with XXXX. I have ask for Diversified Consultant over 5 times to validate the debt and they have failed to do so. My rights under the Fair Debt Collection Practices Act ( FDCPA ) states I have the right to request the creditor to prove that the account belongs to me. Diversified Consultant has not done so. The only information they have been able to provide is a computer print out of a XXXX bill. This information does n't proves it belong to me nor does it proves I have a signed agreement with the creditor.
Product: Credit card or prepaid card

I was late to make my credit card payment on my capital one credit card in XXXX and XXXX of 2020, because I was quarantining from covid symptoms. I also wasnt making much income anymore because of this. I later paid the company XXXX dollars, which was the full amount that I owed in the beginning of XXXX. I have called the customer service and I have sent letters to have this issue removed, but its still affecting my credit. No action was taken by this company in regards to my covid symptoms to remove the late payments, when I have been a loyal customer and have never been late before this happening. Currently ... my balance is paid off and I owe capital one no debt.
Product: Debt collection

I have contacted Kimball & Tirey twice over the course of a week. The first time being on XXXX and the second time being on XXXX, both times I spoke to a manager whom I do not know the name of. This individual will get on the phone does not even identify who they are, and every time I have the displeasing pleasure of speaking to this person it is everything but professional. I call inquiring about my balance, asking for a breakdown instead of directly answering the questions she condescendingly responds and does not answer any question. This manager told me that I needed to submit in writing a request to receive my account breakdown, which I did not do because I located my disposition from the property which shows all the amounts included. I am trying to get this file closed, however this individual clearly lacks the basic fundamental problem solving skills you would think a highly skilled lawyer would exhibit. I can not get anything addressed, and for all I know the amount being reflected is not even accurate. I should be able to call and receive the proper breakdown for each amount that I allegedly owe, which I clearly can not. It is unethical to represent a company, and purport that I owe an amount and then when I make contact to rectify the issue I can not because of the incompetency of this individual representing this establishment.
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. 

Account Name : XXXX, Account Number # XXXX, Account Name XXXX XXXX  Account Number # XXXX, Account name : XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account XXXX # XXXX, and XXXX XXXX XXXX, Account Number # 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 items of 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Credit reporting or other personal consumer reports

XXXXXX/XX/XXXXXX/XX/XXXX
Product: Debt collection

XXXXXXXX XXXX XXXX XXXXXXXX has no contract with XXXX XXXX XXXX XXXX, now XXXX, XXXX. The company claims to be some sort of representation of LAKEVIEW LOAN SERVICING , LLC, who the affiant also has no contract with. This company is harassing and maybe in possession of intellectual property. A surplus has been created in the name of XXXX XXXX XXXX XXXX. I demand that this estate property be returned to the trust immediately. I have reported this company to the XXXX XXXX XXXX of the Internal Revenue Service for unauthorized use of non-public personal information without expressed authorization. Attached is LAKEVIEW LOAN SERVICING , LLC default. The affiant is not indebted to anyone. All debt obligations are of the United States per 18 U.S.C. 8, 12 U.S.C. 411, 31 U.S.C. 3123, 46 U.S.C. 53705, etc al..

This company has furnished deceptive forms to a consumer/natural person. Communication is coming from a debt collector and the communication is false and misleading. I do not choose to contract with any of these debt collectors. I demand that all estate property be released immediately. This is not a request. If terms and conditions are not met within 5 business days, a federal lawsuit will be commenced against these criminals for violation of the Civil Rights Act of 1866, Truth in Lending, and Fair Debt Collection Practice Act.

Please keep in mind that any implication that communication is coming from an attorney is false and misleading pursuant to the FDCPA. LAKEVIEW LOAN SERVICING , LLC has acquired a debt and has agreed by silence to the debt. This debt will be considered a bad debt and will be collected upon the rule 453 with the Internal Revenue Service.

What these two companies are doing is Identity theft. This is illegal and the RICO Act will apply to such criminals as well. 
PLEASE SEE ALL ATTACHMENTS
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX XXXX XXXX has violated my rights. I looked at my XXXX credit report on ( XX/XX/year> ) and noticed some incomplete and inaccurate things. 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 ). 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 not to 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 reporting, credit repair services, or other personal consumer reports

I pulled a copy of my XXXX credit report on XX/XX/XXXX due to suspicions that Citi cards did not properly credit or resolve a fraudulent transaction. 

My wife and I purposely did not place transactions on this account this fall & winter due to the inconvenience of multiple account number changes due to fraudulent activity. When we learned of another fraudulent charge representing the entirety of the balance ( {$11.00} ) I  contacted them ( XX/XX/XXXX XXXX ) requesting resolution and will not be submitting payment for that billing period. There online chat gave me the following response : Yes b erest assured we have notated your account for this ( XXXX at XXXX, XX/XX/XXXX ) as Your account comes with {$0.00} account liability. And you will not be liable to pay any unauthorized charges. 


This was not resolved, as I discovered in a statement received XX/XX/XXXX. ( Your payment of {$11.00} is 6 days past due. Please Make a payment now ) I called Citi 's customer service three times that day ( Called XXXX and she abandoned call ; Called 2nd time and it went to busy after the menu ; Called 3rd time reached XXXX and she will take care of disputed charge and finance charge ( estimates 3 days ) However, this amount is still being reported on our XXXX credit report. 

I'm appreciative of any assistance you can provide. Thanks in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am not responsible of this account. I am a victim of ID theft. People have used my information to open it and also make fraudulent activities. 
I have sent in multiple disputes and XXXX have removed it of my credit report, but you guys refused to do so. I have submitted my police report and FTC report, with XXXX form of id verifications etc., yet you guys claim that this account has been verified. Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : XXXX. The date you contacted the creditor. 
XXXX. The contact information for the creditor. 
XXXX. The name of the person who verified the item to you. 
XXXX. The method of communication you used to verify this information. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Product: Debt collection

Ive had issues with this agency since XX/XX/2021 when it was first reported on my credit. Ive filed the dispute twice and they claimed they could verify that is me, which isnt factual. However this has damaged my credit severely and I wanted it gone, so I paid {$800.00} on XX/XX/2021. I was told that it would be deleted in a matter of 2 days once I received the letter stating it has been paid. I contacted the credit bureaus ; XXXX  and XXXX  to delete it and I was told that even with the letter that they would have to wait on the agency to send it. I then contacted the agency and they told me it would take 30 days. I was under the impression that if I paid it would be deleted immediately not 1 month or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from my credit monitoring service informing me that I have two accounts in collections on my credit report from two different payday loan agencies,. XXXX XXXX and CHECK INTO CASH. I contacted each of them and they both stated that these accounts were opened in 2013. Until know, I have not heard from them via mail, phone nor email. I have not opened either of these accounts but I do recall closing a bank account after discovering fraud after a move and losing a checkbook. I have filed a police report in my city and reported this incident to my bank,, I don't like the fact that I have not heard from these agencies to dispute but it appears on my credit report at a critical time as I am attempting to buy a house and it seemingly came out of nowhere. My credit score has dropped almost 70 points due to this.
Product: Debt collection

I have repeatedly received a bill for XXXX from XXXX XXXX. I regularly use them for multiple services and I have had the same insurance since services rendered. I have received no proof that insurance was applied. I owe something but my insurance needs applied first. I want to know that my bill is correct.
Product: Debt collection

upon checking my credit report i realized there is a company trying to collect over XXXX dollars from me i dont know who this company is i haved tried numerous of time to contact them but no luck to my knowledge i have never signed a contract with them in person nor electronically with them nor any of there affilliates
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit card or prepaid card

contacted fortiva to cancel a credit card that isnt used anymore ( after one purchase from early 2021 ). i was told the card AND annual fee would be cancelled and to not worry. XX/XX/XXXX i got a statement from fortiva with the annual fee AND a late fee. i called customer service right away and was told as long as i pay the annual fee, theyll waive the late fee. unfortunately i didnt get a confirmation from the first call because the person sounded like they wanted to die or something and probably gave the wrong information since clearly that annual fee was still on the account. current customer service rep said the account is shown as closed but the annual fee is still up.
Product: Credit reporting or other personal consumer reports

Account Number starting with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  Whose address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE IAM A FEDRALLY PROTECTED COMSUMER THIS FRAUD ACCOUNT MUST BE DELETED AND REMOVED OFF MY CONSUMER REPOER PERMANENTLY AND INDEFINITELY NOW!!!! 

XXXX XXXX XXXX Reported : XX/XX/XXXX - {$460.00} Needs Attention Overview You have 89 % left to pay on this loan. 

Balance {$460.00} Highest Balance $ XXXX  Monthly payment {$25.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Term 24 months Payment History XXXX made 100 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status XXXX Days Late Worst Payment Status Current Account Details Account status Open Type Secured loan Responsibility Individual Remarks No Info Times XX/XX/XXXX days late XXXX Closed No Info See an error? 
CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving Credit Karma. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
Product: Credit reporting or other personal consumer reports

XXXX XXXX account on credit report past XXXX years. Last payment was XX/XX/year> per credit report attached. When disputed they fraudulently report payments that were not made to extend the reporting therefore damaging my credit worthiness. 
The Fair Credit Reporting Act ( FCRA ), which is part of Title 15 of the United States Code ( USC ), protects consumers by regulating how credit information is collected and used by credit reporting agencies. Under the FCRA, negative information, such as late payments, collections, or bankruptcies, generally stays on a consumers credit report for up to seven years from the date of the negative event. 
After this period, the information is supposed to be removed from the consumer 's credit report, which can help improve credit scores and financial standing. 


Procollect account is fraud. I have filed police report and FTC identity theft report and submitted to transition. They deleted original creditor tradeline however the original creditor sold the tradeline and the collection agency is trying to collect. Please delete this account is not mine. Attached you will show the deleted result from trans union of original account
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX
Product: Credit card or prepaid card

I was hospitalized for about 30 days pretty much within the XXXX during this time my account in American Express card was compromised I have sense upon being released from the hospital contact American Express Serve filed a report with in and filled out all the paperwork they requested as well as submitted additional paperwork like my medical records showing While the charges were made I was in the hospital they don't generally have shopping available there. I also file with them my identity theft report with the report number pray for them to look and see that I've also filed a case I with told my claim is denied on the 10th day as I assumed they would because that way they don't have to pay out a provisional credit and then I asked them to reopen it that they did not reopen it and I got a hold of the corporate Executive offices they have this points said they would look into it but they were American Express and American Express Serve its kind of different but day to talk to the manager give me that was odd because that's the office of the vice president of the company don't know how he wouldn't have some sort of influence her stay and them really investigating into this and just looking to see medical records show I was unavailable to make these purchases a I'm aware of who dead and I have tried to file a police report I was told that it was a family court matter because the person living in the house and being under 18 these matters are settled in Family Court not generally a criminal court where it's different I was told I don't know I talked to a lawyer I talked to a couple police officer and then I talked to the city prosecutor and they told me that's the way I would have to address it. he also took my phone which brings me to their first reason why they're claiming they're denying the claim my cell phone has nXXXX as well as XXXX XXXX I store all my logon information I store all my PIN numbers I store all of my debit card numbers in that in there to use them for automatic payment and just in case I need a digital copy somewhere and he was able to get into my phone because when the XXXX smart watches by the XXXX phone if the features already turned on it unlocks the phone give him full access but that's not my fault I press charges tried to and I'm doing it to family court I have filed a identity theft report I have in an orderly And Timely fashion provided all records requested and additional ones to support my claim that show that this was not me
Product: Debt collection

I received an order to exempt my income from a Midland Funding LLC. I never heard of this company nor did I receive any information about coming to court. I have no knowledge of the account they say I have with their company or companies
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 Experian And XXXX must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX Balance Owed : {$640.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX and do not have a contract with FAIR COLLECTIONS & OUT. They did not provide me with the original application like i asked. Experian and all other credit bureau are wrong for even reporting this account without written instructions please read my attachments below
Product: Credit reporting or other personal consumer reports

Requested company to remove fraudulent and negative information from being reported on my credit report. No Contractual Agreement with Company!