23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I emailed Columbia Debt Recovery a debt validation letter. In the letter, I requested the following information : The amount of the alleged debt ; the full name and mailing address of the original creditor for this alleged debt ; documentation showing they have verified that i am responsible for thew debt ; documentation showing they are licensed to collect in the state of KY. I also requested a cease and desist in attempting to collect on this alleged debt until after the above information was provided. On XX/XX/XXXX I received an email from the compliance department for Columbia Debt Recovery with a copy of the signed lease agreement from the original creditor and a copy of the summary of move out charges. They did not provide me with proof they are licensed to collect in the state of KY. On XX/XX/XXXX, I called Columbia Debt Recovery and spoke with a representative who transferred me to a supervisor. I believe his name was XXXX. I advised why I was calling and he responded with " is this a money issue or what ''. I advised that I had requested specific information and that was not received. He said they sent over the lease agreement and the summary of move out charges. I asked what page of the lease agreement does it show i will be charged {$3300.00} for a termination fee AND an insufficient notice fee. He told me " its in there ''. I asked what page and he responded with " I am not going to walk you through your lease. if you need to hire someone to do that for you, you are welcome to do so. '' I asked him for proof that they are licensed in the state of KY and he told me it was public information. I then advised that per the XXXX XXXX XXXX website, Columbia Debt Recovery is only licensed to collect in AZ, CA, ID, IN, MD, MA, NE, NV, NM, ND, OR, RI and WY and since they were not licensed to collect in my state they need to remove this from my credit report. The supervisor refused and told me he doesn't have to and that they are licensed. I have read through the entire lease, top to bottom, multiple times. No where in the lease does it state that I will be charged {$3300.00} for an early termination fee or insufficient notice fee. It does have the lease buy out fee, but that does not match what I am being charged. My original lease agreement also states that I will be charged 18 % interest, compounded annually but I am being charged monthly for interest and it is not being compounded annually. Columbia Debt Recovery is unlawfully charging me interest monthly and can not provide written proof in the lease agreement of the fees that I have been charged. I am also being charged for utilities from XX/XX/XXXX to XX/XX/XXXX which were paid for in my rent for public spaces like the pool, grill etc. My regular electric bill was paid directly to XXXX which is the electric company. I should only be responsible for water/sewer for the last month of my residency which would be XXXX. I am also being charged for pet rent for the month of XXXX which again, was paid in the XXXX rent which is documented as received by XXXX XXXX on the summary of move out charges.
Product: Credit reporting or other personal consumer reports

This account is a charged off account on my credit report. I do not have any knowledge of these accounts.

According to : 15 U.S.C 1681 ( e ) ( b ) Accuracy of report 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.

15 U.S.C 1681s ( a ) ( 1 ) ( a ) Reporting information with actual knowledge of errors 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 reporting, credit repair services, or other personal consumer reports

Im writing in regards to an Auto Loan with Bank of America. I obtained this loan on XX/XX/2020 through a dealership in XXXX, MD. My payments began on XX/XX/2020, which I made successfully and since that time I have made on time payments through XXXX XXXX XXXX XXXX   Bill Pay. I pay 90 % of my bills through XXXX XXXX and I have never had a problem with any of my payments being rejected, denied, or returned until now. 

Bank of America has placed a 60 day past due notice on all three of the Credit Bureaus. I have not received not one letter or statement indicating my payments were late. I have not received not one phone call. I have not received not one email nothing which is crazy if I was so late. Every time I submit a payment, they would send me a check for the amount paid with no explanation just an empty envelope with the check in it. I havent cashed them either so I dont know what is going on. Who refuses payment when someone is diligently trying to pay? In fact, I pay twice a month. I went to the branch in XXXX, MD on XX/XX/2020, and they couldnt tell me anything. The representative just gave me a number to call. Unbelievable right, so I got in my car and called only to speak with a lady that didnt know what she was doing and indicated that this call was being recorded and this was an attempt to collect a debt, I told her great now what is my pay off balance. She gave me that information and was trying to transfer me to someone and I just hung up. 

I only found out that the account was past due through checking my credit report a couple a days ago which is outrageous. I think Bank of America is being spiteful/prejudice and have no grounds for putting a 60 day past due on my credit account. I am extremely angry that Bank of America is ruining my credit and I want Bank of America to correct my file immediately. I will NEVER deal with Bank of America again. They are very unorganized, confused, spiteful, and underhanded bank. Please do whats right and correct my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly lates in XXXX, XXXX and XXXX, 2019 for the XXXX XXXX XXXX account XXXX number. ( Please see page 10 of the attached credit report. ) Month after month I called and made a payment on this account. Apparently the very first payment was never applied correctly so each payment I made was reporting a month behind. Every time I made another payment I was never told that I had initially missed a payment according to their calculation so consequently every payment I was making was actually a month behind due to their accounting error. I was never aware that I was actually making payments in arrears. Had I been informed of this I would have made an adjustment and paid an additional payment to be current with their accounting. I do not believe I should be punished with any late payments because I was never properly notified of this issue. The only communication I did receive were vague emails with no explanation, no context as to what they were needing or when to call or even WHO to contact! When I did call however, I was never able to physically reach the representative who was forwarding me the emails. I only spoke to the person who happened to answer the phone and was told to just continue making my monthly payments. Never once did this representative share with me that my payments were continually late. I never received any notification in the mail to tell me I had a late payment and I only discovered there were late payments when I obtained a copy of my recent credit report. When I saw this, I immediately went to a XXXX XXXX XXXX branch in XXXX, WA and paid the past due as well as the next upcoming payment to make sure that the account was up-to-date. By XXXX XXXX XXXX reporting these late payments incorrectly due to their accounting error, and never properly notifying me of the issues, is seriously harming my credit score. Please remove these lates from my credit report.
Product: Debt collection

Annoying phone calls by an operator & had no choice available for me to tell them to stop calling. Robotic call.
Product: Credit reporting or other personal consumer reports

These inquires listed on my credit report where not done by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you can not provide me a copy of verifiable proof after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Product: Prepaid card

Atm didn't dispense any funds and I had to dispute XXXX transactions at the same atm
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted dispute letters to XXXX, Transunion, XXXX  and I have not received any responses and I am very upset and these items are damaging my score. I also submitted demand to comply letters to the bureaus via certified mail and have heard nothing back. I demand these items be removed from my file because at this point its a violation of the FCRA
Product: Credit card

In XXXX I discovered that my identity had been stolen and that fraud had been committed in my name with the AMERICAN EXPRESS identity card, someone obtained a {$6000.00} card with my name on it, from that moment on I began to communicate with them about what was happening, but AMERICAN EXPRESS now tells me that I have to pay the debt because payments have been made from a XXXX account, but I have never had accounts at XXXX, and they won't show me what the investigation shows, I myself went to a XXXX branch to confirm that I do not have accounts with XXXX, but American Express won't give me a solution, they are wrong but I want them to show me the payments that were made because I never requested or made payments to American Express.I ask for your cooperation because I have already tried to dispute with the credit bureaus and I thought it was resolved, but today I received this letter from AMERICAN EXPRESS and I feel that they only want me to pay something that I never requested.Thank you
Product: Credit card

My BP Bisa/ Syncb credit card has been turned down numerous times none of which involved nonpayment or credit history. I called in today XXXX/XXXX/16 and gave them all of my information that they requested and they said they needed to send me an identity code to verify my identity and they needed a cell phone number. My cell was in my car and not with me so I secured it and called back. They sent a code to my cell and when they then said that they could n't verify it even though they had sent it to me. This same thing happened before with Sycrony Bank with my Sam 's club card. This bank ca n't get anything right. Now I have to wait 7-10 days to get a letter with a new code on it and I 'll bet it still wo n't work. I intend to terminate all my credit cards that are administered by Syncrony bank a I can not trust them to do anything right. Last summer I bought a new laptop computer at one of the large electronic stores and charged it on my Sam 's card through Syncrony. That charge went through and I then purchased some software for it in a separate transaction and they refused it. When I finally got through to Syncrony they said that my purchase of the software was an unusual purchase and that 's why they refused the charge. Duh! They let the charge for the computer ( {$1500.00} ) go through but refused the {$35.00} charge! What idiots.
Product: Student loan

XXXX XXXX XXXX contacted me to inform me that XXXX XXXX XXXX will no longer be available to me. XXXX XXXX XXXX stated to me that they will be handling my student loans I will be paying them for my student loans I recently contacted XXXX XXXX regarding my account They stated to me that no money has been paid so with that being said I contacted XXXX XXXX XXXX and they told me that I am paying them for paper work why would I pay so one XXXX just to handle paper work they are very misleading regarding paying back student loans i has under the impression that my student loans were being properly paid until I received letters in the mail stating that my account was past due. After speaking with XXXX XXXX they informed me that more complaints have occurred with this company. They are very miss leading regarding the company I have called several times and every time I call the company isnt open. Its already had paying bills but when your trying to keep credit in line and people like XXXX XXXX   taking money that isnt necessary and they also stated that I couldve handled the paper work on my on but I didnt and this was on a recorded line on my banks telephone number XXXX XXXX XXXX I will like so more information regarding this company that has been taking money from my account since XX/XX/2017 and my student loans have not been paid they never sent me letters through the mail theyve never even told me how much my payment would be so I wouldnt even know what they money was being taken for XXXX XXXX have said that they never even contacted them in regards to my payments that I should me paying a month please help me they are contstanly taking {$57.00} a month and nothing shows for it PLEASE help signed XXXX XXXX
Product: Money transfer, virtual currency, or money service

There was 2 unauthorized transactions on my PayPal account where money was sent to two individuals and XXXX XXXX XXXX. Some how someone hacked into my Paypal account and sent {$2000.00} to. And {$510.00} to XXXX XXXX XXXX. I have reported these unauthorized transactions to PayPal but they keep closing the dispute of these unauthorized money transactions. They do no real investigations into these security breaches or unauthorized money transactions. They will not ever get a hold of the recipients that got the money because they are the FRAUDSTERS. But it seems like the employees at PayPal are to dense to comprehend the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my Experian credit report for XXXX XXXX opened XX/XX/2019 that has been paid in full and all other credit bureaus have removed this account. Experian has it showing with a {$0.00} balance and negative.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

I had a credit card with XXXX XXXX XXXX XXXX XXXX however they turned the credit card business over to a company called XXXX. In early XX/XX/2018 I transferred my balance from XXXX to a new credit card with a more reliable institution. I called XXXX and canceled the original card with them. I received a letter confirmation of that cancellation. Then I received another bill from them with a balance of {$0.00}. Today XX/XX/18 I received a letter from XXXX XXXX XXXX of North Dakota informing me of a Rewards Program with several pages of fine print. I called and asked why they sent me this as I have no credit card with them. They asked for a credit card number and I replied that I do not have a MasterCard and no business with XXXX XXXX. I gave my name and he found me in his system and asked if the last 4 Digits of my card were 2. ( I cant reme the 4 numbers he said ). I said no my old credit card ended in XXXX to which he said yes its the same. We take over credit cards from small banks and credit unions and switch them out to New numbers. I told him the XXXX Master card was canceled and there is a XXXX balance. He said yes I can see the XXXX   balance. So I asked about the new number XXXX switched it to and he asked me to hold then returned and said they are both closed and I would receive correspondence confirming that fact. This idea that a company can acquire my closed credit card info and create a new account with their company is disturbing and scary. This man said his name is XXXX at extension XXXX the phone # XXXX. He is in XXXX ND. What they sent to me was called XXXX MasterCard Select Rewards Card agreement and disclosures statement I have no business with these people I canceled my MasterCard with XXXX approximately XX/XX/2018. I have a cancellation letter. What evil is XXXX XXXX attempting to inflict on me? I have no MasterCard I have no business with XXXX XXXX. Why is it this difficult to cancel a credit card. I have good credit and dont want that jeopardized
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( ( XXXX  ) sent a billing error which I challenged. They investigated while giving me new cards. Eventually they cancelled all my accounts, took my award points, and filed negative credit information on my credit report. 
Later XXXX  filed a legal complaint against me. I hired a lawyer and filed a response. Perhaps upon realizing their mistakes in the investigation XXXX  dismissed the complaint. 
But XXXX  has not returned my award points, fixed my credit with the credit reporting agencies, nor refunded my legal expenses.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 
Details of the Dispute : XXXX. Name : My current legal name is XXXX XXXX but it is listed incorrectly on my credit report as XXXX ) XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXXXXXX, XXXX XXXX ) XXXX XXXXXXXX, XXXX. I request that my name be updated to reflect the correctinformation. 

XXXX. Address : My current residential address is XXXX XXXX XXXX. XXXX XXXX. XXXX, FL XXXX but my credit report shows an outdated address as XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Florida XXXX. I request that my current address be updated accordingly. 

XXXX. Employer : My current employer is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX ) XXXX, XXXX ) XXXX. I request that employer be updated to reflect the correct information. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : Acopy of my driver 's license or passport displaying my correct name. 
Arecent utility bill or bank statement showing my current address and current Employer. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX - XXXX ], [ XXXX- XXXX ], [ XXXX XXXX XXXX- XXXX ], [ XXXX XXXX XXXX - XXXX ], [ XXXX XXXX XXXX - XXXX ] are not complete and accurate. 

And one more thing 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. 

Check The Attachments Below
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry from XXXX XXXX XXXX and XXXXXXXX XXXX on XX/XX/2022 that is not mine on my credit report. My credit report also shows an account opened through XXXX XXXX XXXX XXXX XX/XX/2022. The balance is {$0.00}. I have not been able to get in touch with anyone XXXX XXXX XXXX XXXX XXXX open account. In addition to these findings on my credit report, on XX/XX/2022, there was an account fraudulently opened through XXXX credit card. I was able to get in contact with XXXX credit and they have closed the account. I need all these accounts removed from my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX 4 times a day automated and human. Claims I have a debt I have never signed up for. Sent to collections agency. Told them it was fraudulent and they refuse to stop calling or remove my fraudulent debts from their system. As of now I have over XXXX voicemails in process of me deleting and have no account info to delete fraudulent accounts!!!! Its annoying and the lady on the phone says I do owe and HAVE TO PAY OR THEY WILL SEND TO COLLECTIONS!!! Very demanding and intimidating and most of all without a doubt harassing!
Product: Credit card

In late XXXX early XXXX my XXXX was hacked and my credit card was on there. They made two payments to themselves one was {$500.00} and the other was {$300.00}. They then got into my credit card made a payment to my balance and then returned the payment. I then called my credit card company ( capital one ) to issue a complaint. They asked for me to provide my banking information which I did but they wanted the bank account that is not mine. They will not unrestricted my account until I prove that it is my account, I have told them that it is not and I can not prove that its mine and they told me my account will stay restricted until I prove the account is mine. I have changed my password and on their end it says I haven't.
Product: Credit reporting or other personal consumer reports

This afternoon, I was stunned to see inaccurate accounts appearing on my credit report, and I have no idea how they got there. I check my credit report regularly, but this time, there were discrepancies that seemed to come out of nowhere. I even tried refreshing the page, thinking it might just be a browser issue, but the incorrect accounts were still there. Because of this, Im requesting that the documents Ive submitted be reviewed carefully so I dont have to worry about this anymore.
Product: Student loan

Hello, My name is XXXX XXXX. I am a XXXX XXXX XXXX resident of XXXX XXXX Iowa. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. After I return to the United States I attended XXXX XXXX XXXX XXXX. Although I received a full tuition scholarship, I took out loans in order to afford a place to stay and feed myself. 
I graduated XXXX school in XXXX and since XXXX of XXXX have been on the XXXX waiver. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

During the pandemic my servicer left the student loan market and my loans were transferred to mohela. Because I knew student loan payments were resuming this month, I began filing my paperwork months ago. I knew that the month of XXXX was going to be a disaster for these companies and so I really wanted to make sure that I had everything in order. I applied for and was put on the SAVE repayment option. I received notification that I was accepted on an IDR repayment plan on XX/XX/XXXX of XXXX. 
On XX/XX/XXXX I received a letter from Mohela, without my request or acquiescence, that all but one of my loans were being put into " administrative forbearance. '' Although this will save me money in the coming months, it means that my payments while in forbearance will not count toward my PSLFXXXX payments goal. 

This is unacceptable. My tax dollars have gone to fund payment to servicers like mohela, and despite knowing for over a year now that repayment was to begin, they are not ready. 

It is unconscionable that borrowers are put into this position. Please help.
Product: Credit card

I had a checking and a credit card with US Bank and credit card with XXXX  after covid obviously no job no money at all. Through a scam debt resolution company I tried to consolidate as much and US Bank never responded or didnt wanted to settle. Account in general was sent to collections and keep harassing with court stuff plus the collection agency.