23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one was contacted on several occasions regarding bills not being received and failure to update address and fix credit reporting. I applied over the phone for a payment plan on both accounts and was told I might qualify for one and  I should receive something in the mail for a XXXX a month payment that I had asked for. I never received anything in the mail and was told by a manager that hr would update both credit reports back 60 days and even sent letters and this has not been done by the creditor. The creditor never updated my address properly after three requests causing my accounts to be reported negatively. I was told by the manager to make a XXXX payment and that my next bill should reflect the new amount if the program was approved. I never received a bill with XXXX a month. I have attached two of the bills that the creditor has sent me in a recent response, so the creditor is aware of the fact that they failed to send proper bills. No, I do not want my terms of the payment plan agreement outlined in my bill in which XXXX XXXX sarcastically stated. I am a XXXX XXXX XXXX XXXX and I rely on promo and correct billing. Sometimes a third party pays bills and this is required. The law requires accurate billing to be sent to the consumer 21 days prior to the due date capital one has failed to do this on both of my accounts. I have started a legal process against capital one. If this is resolved the process will be withdrawn immediately. I have contacted capital one about its fraudulent reporting to the credit bureaus on numerous occasions. Also, the company charged off my account knowing they did not send of the proper billing statements that are required by law. Capital one XXXX XXXX states that it is not the companies process to send out correct billing statements. Please update my reports or I will have no choice but to take you to court and I will definitely win. Capital one did not send out the required bills to receive payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$12.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I have a XXXX XXXX providing XXXX XXXX  and use an online entry system for show entries. Payment is made online using checks and services such as PayPal. I have been in business for over 20 years and have used PayPal for a number of years. For my XX/XX/2021 shows PayPal froze {$13000.00} in my account alleging " unusual activity ''. They refused to give any additional information after I talked to their representative on the phone. Days later, they informed me that they were holding {$10000.00} of my money as a " reserve '' to cover any claims that might be made against me. No such claims have ever been made. I will be allowed to receive my money after 45 days. Any addition money paid to me will be held for 45 days. I talked to another account representative supervisor who only identified himself as " XXXX '' he would not provide contact information. He said that the decision to with hold my money was final and that there was no way I could have it immediately. This is my money. PayPal is acting as a bank and has no basis for with holding money deposited in my account.
Product: Credit card or prepaid card

I have been a Macy 's credit card account holder for more than 10 years, but hadn't used my card in around a year or more. I was in a store and asked if they could look up my XXXX so I could use the available coupons. The associate said, oh your card is expired, I'll just need a bit of information to re-activate it. This was completely inaccurate, she was actually signing me up for an entirely new XXXX with a new XXXX number. I was actually applying for new credit without understanding that I was applying for new credit. This is a very deceptive practice. If I was informed that I would have to re-apply for new credit I would have declined. This happened in XXXX or XX/XX/2022 at the Macy 's store in XXXXXXXX KS.
Product: Credit card or prepaid card

Original application for credit card denied by an automatic system based on 7 years old bankruptcy on the record. Requested review of original application, denied on the same bases. Spoke to multiple customer service reps on XX/XX/XXXX, including low level manager who said I will be contacted by higher level manager within 24 hours, who is not available on weekends. No call back received. Called back on XX/XX/XXXX, put on hold for 40 minutes just to be informed by account XXXX that their " systems are down '' and I have call back the next day. Just for reference, applying for Chase Flex with Credit score of XXXX and income of {$110000.00} with not a single payment missed in 7 years.Total round around.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft following the data breach involving XXXX. My personal information, which was compromised in this breach, has been fraudulently used without my knowledge or consent. On XX/XX/2019 XXXX publicly reported a significant data breach that exposed consumer data, including names, addresses, phone numbers, email addresses, and potential other personal sensitive information. Based on this breach, I have reason to believe that my personal data was compromised and used to open unauthorized accounts in my name. 

These fraudulent accounts consist of a personal auto loan opened at 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 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 XXXXI demand that the aforementioned fraudulent items be removed from all 3 of my credit reports.
Product: Credit card or prepaid card

When I pay over the minimum payment as told to by others, they seem to just keep that money like several others! This has been happening for years, and they charge me interest + interest! Macy 's and others* promises all these discounts but do n't even offer discounts for the perfumes and makeup I buy from them! Their products are cheaply made like from someone in XXXX or somewhere, that hates U.S. Then they turn around and sell it at an overpriced price and on top of that do all kinds of extra charges in interest and bill payments. I 'm not in accounting but when I overpay it drops my payments, and is supposed to pay off more cheap products than interest! I saw better things offered in XXXX than these places offer in America, online. I 'm so mad I finally had to say it again. Macy 's was very nice to me, but their accounting probably needs an IRS Audit. And again, for their products! Who made this junk and why are they selling it so high? At my yard sales no one wants it, they just judge me. And I ca n't return the unopened products because I bought them awhile ago.
Product: Debt collection

MESSAGE FROM BUSINESS : Velocity Investments , LLC ( Velocity ) acknowledges receipt of the consumers complaint. Velocity purchased this account in good faith and for value. As a result of the complaint a member of our Compliance Team investigated the allegations. This account is being serviced by the law firm, XXXX XXXX XXXX XXXX XXXX. An initial demand letter was sent to the consumer onXX/XX/2024, and suit was filed on XX/XX/2024. A dispute has been noted on the account and verification documents have been sent to the consumer. Should the consumer continue to have further questions or concerns we invite them to contact XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX to discuss the matter further.
Product: Debt collection

This collection account is showing on my credit report. opened last XX/XX/2017 with a balance of {$47.00}. This is an identity theft.
Product: Credit card or prepaid card

I have had an American Express credit card for 40 years. XXXX months ago I accepted an offer to enroll one of my purchases in the XXXX XXXX XXXX The purchase was for {$2900.00}. The agreement stated that when I made my regular monthly payments, the first {$240.00} of each payment amount would be applied to the XXXX XXXX  purchase of {$2900.00} for the next 12 months and any payment amount over the {$240.00} would be applied to any remaining non-plan balance. On XX/XX/2022 I made a payment of {$1400.00} of which {$240.00} should have been applied to my XXXX XXXX  balance and the rest to my remaining non-plan balance ( which included {$1300.00} in charges made at the end of XXXX, prior to my payment ). Instead, American Express refused to apply the excess payment to the non-plan balance and instead applied {$1300.00} of my payment to the XXXX XXXX  balance. This caused my interest bearing non- XXXX  balance to carry over to the next month incurring an interest charge and making my non-XXXX  balance increase to {$1300.00} instead of the XXXX balance it would have been had my XX/XX/2022 payment been applied correctly. I have called XXXX  XXXX times to try and get the payment applied correctly which has not led to any correction. They simply say that they have no way of correctly going back and adjusting the payment since the computer does everything and there is no way to make any changes.
Product: Debt collection

Portfolio Recovery has been calling me almost every day, at least twice per day for at least 3-4 months. They call from multiple phone numbers with area codes in several states and toll-free numbers. They call on both my home number and my cellphone. They do not leave messages if I don't answer. After the first few calls, I asked them to stop calling me. They now call me almost every day on an average of twice per day. I have blocked as many numbers on my home phone that my phone will allow. On my cellphone, I've blocked close to, if not over, 100 numbers from them. 

When they call, they give a first name and ask for me by name. The then say before they go any further, is this ____________ who resides at __________. I hung up on the first call after telling them I'm not giving out personal info when I don't know who it is calling. On the next call, I told them to stop calling. They called again a day or so later and this time I reminded them I said to stop calling and hung up again. They still continue to call. 

Most of the time I don't answer and just let the call go to voicemail. I then call the number back and get the recordings saying thanks for calling Portfolio Recovery and I hang up and block the number. On others calls that I answer, as soon as they start into their " script '' I know it's them, so I hang up and block the number. Sometimes they call my cellphone and when I don't answer, they immediately call my home number ... and vice-versa.
Product: Mortgage

I have a mortgage with XXXX XXXX  but it is serviced by Mr Cooper. My mortgage payments are sent to Mr. Cooper. I received a " Late Notice '' dated XX/XX/2022 saying that we were in default for the month of XX/XX/2022. I called Mr. Cooper on XX/XX/2022 and spoke to a lady named XXXX, who looked up my account and said that they had not received the payment. I called Mr.Cooper again on XX/XX/2022 and spoke with a MrXXXX  who was presented to me as a supervisor. Mr XXXX said that the payment was posted XX/XX/2022. He told me that Mr. Cooper received the payment on XX/XX/2022 and my payment was posted to my account back to XX/XX/2022. There are two problems with Mr. XXXX position ( 1 ) I make my mortgage payments through a company called XXXX. XXXX, whom I called and explained the situation sent me and email showing that XXXX sent the check on XX/XX/XXXX and the check was cashed on XX/XX/XXXX. Mr. Cooper has maintained the reason for the delay was because of the Post Office delay in delivering the mail. ( 2 ) This is the second time this has happen. The same thing happen with the XX/XX/2022 payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX was purchased in XX/XX/XXXX, the company who financed the vehicle is XXXX XXXX is located Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone : ( XXXX ) XXXX, they required a tool to be attached to the starter of the vehicle which would cause the vehicle not to start if I failed to make payments. immediately after the purchase the vehicle began to falter, failed to start. after a cost of over XXXX in repairs the vehicle, that seemed to appear in one week, the vehicle still continued to fail to start. I made every payment on time for a period of 18 months, still continuing to have starter problems. A number of calls were made to XXXX as per the trouble with the starter, each time they failed to act or to address the problem. In XXXX of this year XX/XX/XXXX, I traded the car off to the XXXX XXXX in XXXX, NC, and thus paying the car off in full. XXXX XXXX had not been reporting my payments to the credit bureaus, and after paying the vehicle off in full, the only action XXXX XXXX took was to report the account closed. No statement of accurate on- time payments for over 18 months, thus this has effected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, This company Portfolio Recovery continues to report to all 3 credit bureaus that I owe a debt that does not belong to me.. I have sent several certified letters to this company asking that they remove this collection from all 3 of my credit reports immediately. They continue to refuse to do so. They continue to send me letters stating that they verified these debts as being accurate and that again is not correct. I have asked Portfolio Recovery to send me validation of these debts bearing my signature and they have not provided that. instead they continue to send me letters stating they received electronic files from the company 's of these debts that they have bought. again they have sent me a computer generated report of some charges that were allegedly made by me, this is not correct and I want these collections removed immediately. Again Please note As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have formally requested a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I have made several goodwill attempt to have you clear up this matter. The listed items is inaccurate and incomplete and represents a very serious error in your reporting. The reported errors are with Portfolio Recovery 1. ) {$1800.00}, shows opened on XX/XX/XXXX, 2. ) {$2100.00} opened on XX/XX/XXXX. I am the victim of Identity Theft, that reference and report ID number is XXXX and my police report case number is filed with XXXX County that case # is XXXX I am asking again to have all 3 of these charged deleted from my credit reports immediately. I have sent this information before, the FTC did not show all three of these accounts on the documents that were sent prior, I have went back and had them send me a updated file so that this company can see all of the accounts that are fraudulent with your company, you have agreed to remove one, but these 2 still remain. Again you claim you verified all this information is me and that is my SSN that was provided when an account was opened, this information is fraudulent, I am working with Law enforcement, and the Federal Trade commission to clear these things which show under my name because I am a Identity theft victim and I want these items removed immediately. Attached your will find my Federal Trade Commission report # XXXX and again my case number filed with the Police Department under Identity Theft is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 credit inquiries on my credit report with all 3 credit bureaus. I have never had an interest in credit cards nor do I have a credit card. These inquiries were not authorized by me. I have contacted Capital One who in return told me to contact the credit bureaus. Each credit bureaus has advised me to contact Capital one to have them removed. I have sent out multiple inquiry removal letters to each credit bureau via certified mail and to no avail of deletion. The dates that these inquiries were posted to my report is XX/XX/XXXX & XX/XX/XXXX. These inquiries were not authorized by me and I would like to have them removed. 

I also have a credit inquiry on my report from XXXX XXXX on XXXX/XXXX/XXXX that I did not authorize & I received the same feed back from both the company & the bureaus. I have been a XXXX cell phone customer since XX/XX/XXXX & I have no need or use for XXXX XXXX XXXX. 

I am not sure what XXXX XXXX is or the reason for them performing a Credit Inquiry on me but there is an inquiry on my report from this company on XX/XX/XXXX that I did not authorize. 

I have not authorized any of the above inquiries & I have not been successful in reaching a resolve with these companies or bureaus one on one. 

Their reportings are in violation of the FCRA.
Product: Credit card

I have disputed the charge for the service that has not been provided. However, the bank refused to give a full refund claiming that they are not able to collect money from the merchant. This is not has been promised in their dispute policy. This is the main reason I use credit card as it is a safer way of doing business. Credit Card should honer their policy and issue a full refund. And if they can not make the merchant pay them back they should not allow this merchant to use this system.
Product: Credit card or prepaid card

PLEASE refer to complaint # XXXX that has been closed but without any resolve!!!! I STILL can not login to Citibank to make a payment. Since I filed that complaint above in XXXX, my husband suddenly became ill, requiring emergency assistance ( ambulance ), 2 units of blood and a stay in the hospital all the end of XXXX and first of XXXX ). Citibank tried to call me while I was caring for him at the hospital and while the doctor had come in to update us of his status. I could NOT take the call. I tried to call them back but the recording said that number did not RECEIVE calls!! How convenient to further delay my payments! 

While he was in the hospital we learned that his mother had fallen through the cracks of medical care because of XXXX protocols -- they missed she had XXXX because they weren't doing her routine XXXX screenings!! She died just weeks later on XXXX/XXXX/XXXX. We were busy caring for her and helping her with her final arrangements. It was beyond heartbreaking! 

We get back from all of this only for our oldest daughter to come down with XXXX We are all fully vaccinated and was shocked this happened but now I'm caring for my granddaughter while her parents battle to get well. 

In the meantime Citibank has yet called two more times from the unreturnable phone number and always at the most inconvenient of times. They do not leave a message. Nothing. 

Add to all this that our oldest son was XXXX last year on XX/XX/XXXX. His XXXX XXXX trial was to start on XX/XX/XXXX. We were busy preparing for this trip right after we lost my mother in law only to learn ON the XXXX it had been postponed yet again. 

I AM STRESSED BEYOND MEASURE AND AM IN BAD HEALTH MY OWN SELF BEING FULLY XXXX!!!! I CAN NOT GET LOGGED INTO MAKE A PAYMENT BECAUSE I DO NOT HAVE A VALID CARD # BECAUSE THEY CLOSED THE ACCOUNT!!!! I DON'T EVEN GET A PAPER STATMENT NOW THAT ALL THIS HAS HAPPENED. 

IS THERE NOT SOMEONE WHO CAN HELP ME? PLEASE??????
Product: Credit reporting or other personal consumer reports

I purchased a new XXXX refrigerator in XX/XX/XXXX using a 0 % APR incentive new credit card promotion offered by XXXX and credit card lender XXXX. I provided banking information for auto-pay enrollment during account creation as well as my new mailing address. I never received an invoice from the credit card company until late XX/XX/XXXX when I received my first invoice and statement of a past due {$30.00} balance, which surprised me but I accessed the account the same day and initiated a 1x payment for the outstanding balance including the past due balance plus the current charges, and revalidated that my auto-pay checking account information was correct, which it was. I immediately filed a dispute about the negative and significantly damaging credit reporting submission that dropped my credit score by XXXX points with XXXX and also dropped my credit score rating from Good to Fair, which I have been diligently working to improve back to my Excellent status I have maintained for XXXX years until my recent divorce that finalized on XX/XX/XXXX. Considering I was not notified by phone, text or email of the past due charges until the company reported the past due balance to the credit bureaus I am desperately requesting that this late payment be removed from my credit report history with the bureaus. Thanks in advance for your consideration. 

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

Both experian and XXXX refuse to remove a incorrect address on my file. I provided proof via picture of my id and a utility bill with my correct address and they still refuse to remove it from my file
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a born US citizen, I am a living human being, I have rights under 15 USC 1681! Equifax is govern by 15 USC 1681, and they have violated my rights numerous of times. I demand these accounts be removed because : According to 15 USC 1681 : I have the right to privacy and I did NOT give Equifax written permission to furnish these accounts or inquires : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 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