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

In Accordance With The Fair Credit Reporting Act. XXXX Account Has Violated My Rights. ( XXXX ) XXXX XXXX {$1000.00} acount # XXXX. ( XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  acct # XXXX {$910.00}. ( XXXX ) XXXX XXXX  acct # XXXX {$400.00}
Product: Debt collection

This is an erroneous and fraudulent debt. This apartment complex made false charges of damage and never notified me. I am on XXXX housing in order for me t move into or out of an apartment an inspection is done if there were damages I would have had to repair them prior to leaving in order to be issued another housing voucher. Years later this shows on my credit report while I am trying to rent another apartment. I asked for proof of debt and was given an invoice that is not proof pictures would be proof not something that someone wrote down. Due to me being on housing I only have a small amount of time to secure another residence or I will lose my housing voucher. So after going back and forth the new apartment complex said well if you pay half of the debt we will rent to you. So I paid XXXX on a debt I do n't even owe and the company National Credit Services refuses to give me a receipt so that I can show my new apartment complex and secure the residence. As a result I know had until XXXX today XXXX/XXXX/2016 to turn in my new housing or I will be removed from the housing program. I begged, pleaded and cried explaining that I am elderly and XXXX and about to become homeless if they could please provide me a receipt for my payment they adamantly refuse and I am now going to be homeless all because they refuse to provide receipt of payment.
Product: Credit card

My Wells Fargo XXXX credit card account was cancelled, and all my points forfeited due to " fraudulent activity '' without any warning to me. This is a deceptive and unfair business practice for Wells Fargo and XXXX to close my account without providing me either warning or an opportunity to respond. 

In summary, I attempted to pay off the credit card through a savings account ( XX/XX/XXXX ) and this payment was reversed by the funding bank for some reason. XXXX in no way informed me of this. I only noticed once my card started getting rejected due to the unpaid balance. I called them on XX/XX/XXXX to explain the situation. They refunded my interest charge and never gave any indication my account was at risk of closing. I had the account paid off within a week ( XX/XX/XXXX ) but they had already made the decision to close to account ( XX/XX/XXXX ) due to " fraudulent activity '' without letting me know. There was no communication whatsoever about having flagged " fraudulent activity '' or that my account was at risk of closure. Additionally, I can still access my account both on the XXXX app and website, and nowhere does it indicate the account has been closed. I went into a Well Fargo branch today ( XX/XX/XXXX ) and they agreed this is an unjust and illogical situation. Yet were not able to have XXXX reverse this situation. I lost XXXX points due to this - essentially, they stole ~ {$240.00} from me without any warning and have caused unjust damage to my XXXX XXXX. This needs to be seriously addressed.
Product: Student loan

My student loan servicer is Edfinancial. I recently XXXX in XX/XX/XXXX. I have a grace period of 6 months before paying on my student loans, however Edfinancial has been billing me since XXXX. I emailed them immediately when I received the first bill to express that they have made an error. I did not get any response back at all. Then today I woke up to another bill for the month of XXXX. I logged into my Edfinancial account only to see that they say I now have 2 months of student loan payments due and that I am late on XXXX payment. I am not due to owe them anything until XXXX. In my Studentloan.gov account it clearly states the day I will begin payments in XX/XX/XXXX not XX/XX/XXXX. I emailed them again this morning, and I called them right at XXXX. After inputting all my personal identifiable information on the phone one of the representatives answers the phone and immediately hangs up on me before I can even talk to them. I said " hello '' and they hung up. I immediately called back and was told I had approximately a " 1 min '' wait time and I waited for over 15 minutes before just giving the machine permission to call me back when an agent is available. The machine said it make take 24hrs even though the wait time was supposedly 1min. I am terrified that they have reported my " late '' payment to the credit bureau because I am absolutely NOT late and this can easily bar me from obtaining XXXX employment. I was very proactive, and I have been completely disregarded and harmed by EdFinancial.
Product: Debt collection

They are continuing to call and harass me even after I speak to a representative and either make arrangements with them or tell them of future arrangements. The reps are obviously not documenting the accounts properly because I continue to get phone calls almost every hour on the hour. From what I understand, once I speak to someone they are not supposed to continue calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a notice that my credit score decreased due to a delinquent account. Upon review of my XXXX report, I saw that a Banana Republic/synchrony card balance had been " charged '' off. I was not aware of this account. I do have a Banana Rebublic/synchrony credit card which I am aware of and pay off monthly. The details of the account in question ( the one I was unaware of ) are below : Account # ( as it appears of my credit report ) : XXXX Date opened : XX/XX/XXXX Date closed : XX/XX/XXXX Last payment made : XX/XX/XXXX Date updated : XX/XX/XXXX On my credit report, it shows a balance of XXXX all the way up until XX/XX/XXXX, when all of a sudden there shows a balance of {$220.00}, and a rating of " charged off ''. 

Once again, this is a separate account than the credit card from Banana Republic/Synchrony that I am aware of and that I use. 

I attempted to contact the contact multiple times today, and spoke to three different individuals. They all passed me around and were unable to help me with my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never communicated with XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/2022, XX/XX/2022 or XX/XX/2022, XXXX XXXX XXXX on XX/XX/2022 or XX/XX/2022, XXXX XXXX XXXX or XXXX XXXX on XX/XX/2022 ( violation of 15 USC 1028 and 15 USC 1029 ).
Product: Student loan

Thank you for your letter dated XX/XX/2022, wherein you confirm my outstanding balance as requested. It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form on or before XX/XX/2022, I will conclude that you are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled.
Product: Debt collection

They keep calling my number to collect on some ones debt. I have told them the have the wrong number in numerous occations. They said they would remove my number but I keep getting these calls. Call is from number XXXX
Product: Credit card

I applied for and received the Chase Sapphire Preferred credit card. I selected this card after reading in Consumer Reports and the Chase Sapphire Preferred website that is came with a XXXX point bonus after spending {$4000.00}. When I received the card, among the benefits listed on the paper to which the card was attached, there was no mention of the XXXX points nor on the brochure describing the benefits. There was also no mention in the fine print cardholder agreement. When I called Chase Customer Service to inquire, he assured me I would get the bonus. When pressed that I had nothing in writing and needed something, the best he could offer was to send out a generic letter, no reference to my card number, and that I had it on the website, and everyone with this card gets the bonus. I pointed out the website could change tomorrow and in effect, I could spend the {$4000.00}, receive no bonus and have nothing showing I was to get the bonus. I closed my account. No loss of money but negative effect to my credit score for getting the card
Product: Credit reporting or other personal consumer reports

Earlier this month ( XX/XX/2023 ), I received notice from my mortgage holder, XXXX XXXX XXXX, that my loan was being switched to their servicing company, XXXX XXXX XXXX. Nothing changed about my account, it is still in good standing, except my loan was assigned a new loan number. This is simply moving my loan to a different arm of the same company. As a result of this arbitrary change, XXXX reduced my credit worthiness by XXXX points to a XXXX credit rating because it says my loan was closed! 
My loan was not closed, merely transferred to another part of the same company. 

This can not stand! I work hard to keep my credit rating in the Good range and this arbitrary change or miscommunication between the lender and credit rating service unjustly penalizes me. 

Please see that this is corrected as soon as possible. I need the good credit rating I earned to continue uninterrupted. 
Thanks for your assistance. 

The notice from XXXX XXXX states, " To help you get settled in, there will be no late fees or negative credit reporting during your first 60 days with XXXX XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Transunion failed to remove Inquiries off my credit report causing denial of approvals. I certified mail my Drivers license, social security care, and utility bill of my correct address as well. 

I am a victim of identity theft. My personal information was utilized to pull my credit reports obtain credit, goods, and lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling with Equifax for roughly XXXX calendar days about inquiries that I have no knowledge of thats showing up on my credit report. I have emailed several high ranking officials of Equifax countless times, I have called tons of times, and I even sent in letters in which none was received allegedly every time. This is becoming very tiring and starting to be daily slap in the face as I try to use all avenues to force this company to do their job and remove these inaccurate items. I have a total of 10 inquiries that I would like to be removed immediately.
Product: Credit reporting or other personal consumer reports

Back on XX/XX/year> I called XXXX XXXX  and spoke with a lady representative who took the call from the XXXX. I told her I wanted the account payoff balance with interest included thru today 's date. I told her I see the balance on the statement, but I knew there would be interest accruing and I wanted the correct payoff amount to close this account. She placed me on a brief hold and came back and gave me a payoff amount of {$1200.00}. I told her thank you and hung up the phone. I immediately paid this payoff amount balance in full on my phone app. In XXXX I got alerted that my credit score had gone done by XXXX points and my credit had an adverse reporting. I pulled my credit report and saw that XXXX XXXX  stated that I owed them {$20.00} dollars. I called immediately and found out that the representative did not calculate the interest correctly on the payoff amount. I paid off the {$24.00}. I explained to a representative I had no idea anything was due on my account because I paid the account balance in full according to the representative. He stated he understood, and he would get a letter out to the bureaus to correct the matter. A month passed and I did not see any changes to my credit. I called XXXX XXXX  again. The next agent said they could not, when I inquired about the letter not being reported. He stated they were not willing to change the error despite the incorrect payoff balance. He stated that it was not the representative fault even though she gave me the payoff balance with interest included thru that day. He stated I should have calculated the amount to be sure. I was shocked by his comments. I advised him that I was the customer who expect a level of competence by a representative whose an agent for the company. My credit has been greatly affected by their error, and I demand that it be corrected to reflect that I did not make any late payment on XX/XX/year>, and this was a clear and mistakable error. 
I have never made a late payment. I had this account for over 24 months and have never had a XXXX late payment. 

I have been a loyal customer to XXXX XXXX  and their treatment of this matter is disheartening and incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked that my mortgage be reported to proper credit agency. If I am making my mortgage payments on and before time, I deserve to have them reported. Please help.
Product: Debt collection

On XXXX XXXX I was notified that Javitch Block LLC was trying to collect an alleged debt.Shortly after I reviewed my credit report and had seen there was a charge off/written off account of {$4600.00} on my credit report under XXXX XXXX XXXX I sent out a dispute letter via certified mail to all three reporting agencies ( XXXX, XXXX, and XXXX ) XXXX the debt that they were claiming I owed.This debt has been sold numerous times and I actually received a letter from XXXX  claiming they gave this alleged debt to a company by the name of XXXX XXXX  XXXX XXXX XXXXAlso some time after I received another letter from Javitch Block LLC claiming they were the ones collecting this debt as debt collectors for XXXX  which I was not notified about prior by XXXX  as they did for XXXX XXXX XXXX ( whom also are not licensed to collect debt in my state of TN according to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ) ( but Javitch Block LLC, through summons , are claiming they're attorneys for XXXX XXXX  ) false or misleading representation WHOEVER they are they also pulled my consumer report without my consent.Everyone needs written consent by consumer per FCRA and GLBA.no need for consumer report also invading privacy.This alleged account has also been constantly reporting charged off every month and is also written off/charged off.There can not be a balance due on a charged off account and when it's been written off for taxes.That is a 1099c tax form.Time went by and I still had not received a response or notification about my dispute letter to each of them.That being said, on XX/XX/2022 I sent out a request for a debt of validation ( pursuant to the FDCPA 15 USC 1692 Sec 809b ) to XXXX XXXX debt collector or attorney ( Javitch Block Llc- whom is NOT licensed to collect debt in my state of TN and also retrieved my consumer report with out my consent or acknowledgement ) .As time continued I still had not heard from any one of these businesses so I then sent out more debt of validation letters on XXXX XXXX to the 3 CEOs of the three credit reporting agencies via email requesting validation and deleting of this account if they could not properly validate this account and to remove any information that is not true, accurate, or compliant with FCRA.Still to this day no one has responded back to me as requested.this would be unwilfull compliance from everyone connected to the alleged debt.
Product: Debt collection

PLEASE BE ADVISED THAT : Southwest Credit Systems, L.P AGREED OR WAS ORDERED BY CFPB TO REMOVE from my CREDIT REPORT ( see CFPB Ref. # : XXXX filed on XX/XX/2017 ) this so-called " XXXX XXXX XXXX XXXX Collection Account '' for the same $ XX/XX/XXXX-based on the detailed facts of my previous dispute. Also, I CLOSED this " XX/XX/XXXX Account '' because XXXX XXXX XXXX STOPPED providing me the contracted wireless services and replacement of my phone, despite the fact that I CONTINUED TO PAY for over FIVE MONTHS the Bill for unused wireless services and Insurance, hoping that XXXX XXXX XXXX would do the right thing. 
Accordingly, XX/XX/XXXX, being a successor-in-title of this so-called " XXXX XXXX XXXX Collection Account 0f {$1200.00} '' CAN NOT ( as a matter of law ) have acquired a XX/XX/XXXX from SOUTHWEST CREDIT SYSTEMS, L.P. ( the predecessor-in-title ). This is a fundamental principle of Common Law, and indeed, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX case law. Especially so, whenXX/XX/XXXX ought to have had CONSTRUCTIVE NOTICE ( i.e. if proper due diligence had been conducted ) of the cited CFPB Complaint Ref. # : XXXX because it is PUBLIC RECORD easily accessible on the CFPB Website.
Product: Credit reporting or other personal consumer reports

I have a credit card from BARCLAYS BANK DELAWARE, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BARCLAYS BANK DELAWARE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and BARCLAYS BANK DELAWARE with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2023, and XX/XX/2023, XX/XX/2023. There was an error on their part. I was never 30 days late on these dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested XXXX to delete the names and addresses which are listed below except my Name and Address as shown in the attached copy of my Government issued identification card which I attached. 

The Bureaus did not make changes as I requested to protect and avoid my possible identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Remove the account as soon as possible
Product: Debt collection

To whom it may concern, My wife and I have just recently received calls from both her parents and mine in regards to a debt we have with XXXX XXXX which is with XXXX XXXX XXXX XXXX After speaking to my father whom stated he advised the representative he was not Me that they were calling my father. They disclosed to him my balance the last time I made a payment. My father then told all my family members and it has affected my wife 's business. I would love for them them to clear this up but unfortunetly the damage is done. Not only are they affecting the way we make income but they placed us in an unbearable situation with the family.
Product: Checking or savings account

I used to be a very loyal customer since XXXX, chase bank is the only bank I ve using and I referred chase bank to all my friends. I have always been a good customer, I never deposit cash into my account, never withdraw large amount cash from my account, and I made all my payments on time. I had a good experience with chase bank before XX/XX/XXXX, chase bank soundlessly closed my account even without notice me. There are lots of service require credit cards, car rentals, hotels, etc., and I dont even have another bank, as a person travel a lot, my life has been ruining by chase. 
Then I tried to called chase card service, the card service neither given me a reason nor reopen my account, I felt very upset, this action, this closure is very unprofessional and aggressive, the spirit of contract in the transaction was broken by chase for no reason. 
After that I received a letter telling me that all my credit cards, bank account and even my safe deposit box have all been closed by chase. So called the number on the letter XXXX and asked then to reactive my account or review my transaction, they rejected my opinion without even thinking about it.
Product: Debt collection

I identified multiple incorrect accounts on my most recent credit report. Please take action to block and delete them as they were not authorized by me.
Product: Credit reporting or other personal consumer reports

Inconsistent information from all three bureaus including high balances, and creditor remarks, where all 3 bureaus are reporting different remarks.
Product: Money transfers

i tried to sell my computer online and accidentally sent them money instead of accepting their payment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.