23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

OnXX/XX/2019 I came to a settlement with capital one for my credit card. The amount requested was {$5500.00} and I settled for {$3900.00}. I was advised via verbal communication and via letter that this account would be settled in full and I have satisfied the claim. The balance was reported to the credit bureau as me still owing {$1600.00}. I contacted capital one around the beginning of XXXX about the balance they are reporting and was advised that this would be updated on XX/XX/19 as settled in full. I received a new report on XX/XX/19 that showed Capital One reporting an increase to the amount. The new balance showed {$1700.00}. The report is still showing I owe a balance. I contacted capital one again and the representative I spoke to was not professional nor willing to understand nor help with the issue. The representative told me that is not how capital one works after I told her that when settling an account the balance should be {$0.00} unless they planned on collecting more, but being that they agreed to a settlement they cant do that. The representative continued to try to tell me what they were doing was not illegal and that was how they do it at capital one. She then tried to tell me my original balance was {$6000.00} and I only settled for {$2500.00}. When I told her I paid almost {$4000.00} she snickered so I snickered back to mock her when trying to explain again. She finally transferred me to a supervisor after threatening to hang up on me. The supervisor understood where I was coming from and submitted a request to another department to reflect my account at a 0 balance. The supervisor advised this department reports to the bureaus. I have submitted several disputes with the credit Bureau all of which they continue to not report this balance correctly. 

The statutory basis for the required update is FCRA 623 ( a ) ( 2 ), which imposes a duty on any furnisher to promptly update prior reporting so as to maintain its current accuracy. 

Once a debt has been paid to the satisfaction of the creditor, regardless of the amount they chose to accept as satisfaction of the debt, there is no more debt due to the OC, and no more debt subject to continued collection by a debt collector. Ergo, each must promptly update their respective reportings to {$0.00}.
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX  helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX  Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142. ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human XXXX  fo of Debt XXXX and would like for all listed account to be block and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX an unauthorized charge went through on my account for {$140.00} at a store called shibuyala in XXXX XXXX. Immediately I locked my debit card through the chase app because I assumed someone was able to steal my card info. The transaction went through in the evening and I assumed I couldnt speak to anyone until normal business hours so I put off calling chase until the next morning. Another transaction went through on XX/XX/XXXX at a health station in walnut. I was furious because I locked my debit card ; how are these transactions going through? I immediately call chase and they said they would investigate the charges and that they would issue me a new debit card. But they also said that they could tell the transactions were done through XXXX XXXX. I dont even use XXXX  XXXX, I only use apply pay. Ive never shopped at these stores in my entire life. Ive never even heard of them or know where they are located. I literally work for a hospital, probably XXXX of the most well known hospitals, I do not have any reason to go to a health station in another city. After a week of investigation chase determined that I authorized the charges and the money was debited from my account again on XX/XX/XXXX. 

Prior to the fraudulent charges, I had requested a new debit card through the chase app and they automatically put my new debit card number in my XXXX XXXX. I did not have to wait for the physical card to come in the mail to spend money. My theory is that there was a glitch in the system and my new debit card was put on someone elses XXXX XXXX. Paying with these XXXX  party apps is supposedly the most secure way to pay and that its supposed to be impossible to steal someones information. But thats not the case with this type of loop hole through the app.
Product: Credit card or prepaid card

My Carnival Master Card has had fraudulently been used. I usually only use it XXXX For small purchases. In XXXX I received notice that over {$10000.00} had been charged against my card in XXXX XXXX an other places including car. 
Rentals. I contacted XXXX XXXX XXXX XXXX and informed them of the issue. They said they closed the account and sent a new card while the fraud was being investigated. I never received the new card and more charges were made. I contacted them again and informed them I never received the new card and more charges were being made. They sent a third card which I never activated and they allowed more charges. I contacted them again and informed them again and told them just to totally close the account in XX/XX/2022 and I destroyed the card I never activated. In XXXX I received a letter stating that I had authorized a car rental for over {$3500.00} I called them again and told them that I have never rented a car and did not authorize any rental and that the account was closed. They said that there were new charges in XXXX and I asked how they could allow charges to continually be made on an account that has been closed. They said they would report it as fraud. Now I received a bill in the mail from them telling me that I owe over {$29000.00}. They had issued me a fraud case # XXXX in XXXX and said this case would be cleared by XX/XX/XXXX. Please help me as I can not get this matter cleared up with them and my credit score has dropped from XXXX to the XXXX and I am not responsible for these charges. They are also charging me interest and late payment fees.
Product: Mortgage

I am being sued for foreclosure by a group of companies : Selene Finance/Selene Holdings and XXXX XXXX XXXX and XXXX Bank and possibly others that have joined the suit I have not had a hearing. My lawyer and I have - filed in court requesting for discovery - tried to negotiate, submitted offers only to receive outrageous responses, - never once been offered the option to refinance, or do a loan modification The plaintiffs ' lawyers have buried the court in hundreds of papers- many false or falsified, or misrepresentative of the actual facts None of these companies have ever once sent a piece of mail, made a phone call, or tried any in way to collect the " debt '' they are pursuing in the foreclosure. As the defendant I have never received any relevant information to make a payment or attempt to negotiate new loan terms. There are no documents with account numbers, or amounts owed, or payment process and submission guidelines ever received. There is a hearing for summary judgment this month I would like additional defense assistance against the illegitimate business practices of these companies. Please publish my information so that others may be aware of the unscrupulous practices of these companies. XXXX XXXX XXXX is an off shore division of XXXX XXXX that was specifically set up to acquire and foreclose on homeowners as a part of its {$5.00} XXXX settlement with the US Justice department for faulty mortgage practices. XXXX XXXX actually gets " credit '' for curing the loans it defaults on and the homes that are foreclosed on through this arm of its company. Never once has XXXX XXXX XXXX contacted me or my lawyer in good faith to " cure '' the loan and get it in good standing. The last time they said they were willing to " negotiate '' was during Covid shutdown when everyone had lost their jobs and nothing was possible. I had lost all 3 of my jobs within 5 days and could not negotiate anything in good faith. 

Now XXXX Bank has joined the lawsuit saying they are now the " servicer '' of the loan in question. However I have never received on phone call or piece of mail from XXXX Bank and would never know that they would like to service my loan had they not recently joined the lawsuit. I would think that as the " supposed owner '' of the loan with the " supposed authority '' to collect a debt they would be very interested in negotiating to bring the loan current. However, their only interest from what I can see is to foreclose on the home.
Product: Checking or savings account

On Thursday XX/XX/year> I emailed DCU customer service requesting a debit card to be issued for my new trust checking account ending XXXX. I received a bizarre email back from someone named XXXX calling me by the incorrect name and saying I could just request a replacement debit card online. As my attachments reflect, I have logged into my DCU trust account under the Membership heading and I am unable to order a debit card at this time. XXXX seems to be confusing my non-trust checking account ending XXXX which does have a debit card with the trust checking account ending XXXX which I specifically requested a new debit card be issued. I am unclear how anyone can be that confused when my original request was focused on my newly opened checking account when the account ending XXXX was opened more than two years ago. Also, I called customer service to ask if I could link my DCU checking accounts ( trust and non-trust ) and was told I can not. Again, common sense dictates that my account login experience should be unified, not split. It's ridiculous that I can link all DCU accounts with my non-DCU banks and credits unions seamlessly, but I can't combine them within the host institution.
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX ACCOUNT XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in payment history. I have asked to have them updated to paid as agreed, paid on time, never late for each date on each account in the payment history. BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE EACH ACCOUNT LISTED TO PAID AS AGREED, PAID ON TIME, NEVER LATE IN THE PAYMENT HISTORY FOR EACH ACCOUN LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO UPDATE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. ( XXXX XXXX ) ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence. This company is exaggerating the amount of debt. Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate. Additionally, this account continues to be a mystery to me, please remove this entry and cease and desist all future collection efforts because this company failed to validate. I do not have a financial obligation with you ; please delete this reference on all credit reports Original creditor : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and ALLIANCEONE ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and ALLIANCEONE ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit card or prepaid card

In an effort to improve my credit, I deposited {$150.00} with CapitalOne, for a " secured credit card '', XXXX XX/XX/XXXX. The original credit limit was {$300.00}. 

XXXX XX/XX/XXXX, CapitalOne automatically increased the credit limit to {$600.00}. XXXX XX/XX/XXXX, an additional non-secured account was opened, with a {$500.00} credit limit. 

I have an " exceptional payment history ''. 

My requests to remove the security requirement, and / or reduce the interest rate ( currently at 23.74 % ), have been denied ... because of " algorithms ''. 

CapitalOne 's policies are contrary to the stated purpose of " second chance credit '', and equate to " predatory lending ''.
Product: Debt collection

I am the victim of ID theft. I have several times told XXXX and they promised an investigation into it. I have had XXXX for more than ten years and XXXX continues to say it was me even though i know i never made a single call on a XXXX phone in my name. XXXX now reports it as a delinquent account ruining my perfect credit and ignores id theft laws regarding furnishing proof. Since they are XXXX and not a debt agency they tell me they can harass me all they want and do not fear you folks " in the slightest ''
Product: Student loan

In 2004 i took a loan out to attend XXXX XXXX XXXX how ever they made the school sound like they really help you. Wrong they got my money then did nothing to help students find work even while in school. They knew even before I started that I was from a single parent family with my mom on XXXX XXXX. XXXX was one steak people involved in the student finances department. Fast forward to now over the past almost ten years ive taken a pay cut from {$40000.00} under {$20000.00} per year and just this past year i barely made XXXX. As years go by anytime I could Afford to pay I would. There was a period of 3 months of up to 8 calls a day from over 17+ phobe numbers. I explained my income to bills and that i could only afford XXXX  per month. I would get emails and letters about new income driven payment plan. Navient and XXXX XXXX customer service use bullying tactics interupt me and talk over me in very agressive tone. I suffer from XXXX and it has only got worse with there excessive and harassing phone calls. Im not lazy im from a low incone family and was only trying to better my life but have been taken advantage of by XXXX and navient. I got bullied into a income driven payment plan or tgey threatened to send my account off abd said they would file a judgement and wage garnishment. Ive told navient I work under 30 hours per week and also work for a XXXX Because the payment was XXXX per month i could not afford to keep up and still pay for the basic to live such as rent utilitys and grocerys. The pwrson who is deaking with my acount in the accounts recovery department was XXXX very degrading by talking over me when i was talking and kept saying this us 14 years old your not going to pay half your rent. I almost hung up as he was so agressive. I layed out what i could do and now he wants me to try 3 different lending companys that i know wont aprove me. Not to mention tey made two settlement offers first on was {$24000.00} and second obe was {$18000.00}. How when I make maybe XXXX  a month with no retirement savings nothing! Can I get {$18000.00} in 5 days. If you need copys of phone records i will have those in a week or so. They say they want to work wirh you but they just insult and bullie me. I have 3 weeks of school left to finidh my BA in nutrition science and have wome job leads but i cant force a company to hire me. Im not even sure legally they can collect on debt that old. In wa state debt collectors/navient can only call 2-3 per week or per ay not sure but 7-8 per day is harassment. Ive tried to work with them but its getting to he point where i cant handle the aggresiveness. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I told these people on numerous times in despute to fix my XXXX XXXX Account # XXXX. It was inaccurate for for 2 the of the months on my credit... .they first wrongly closed the account XX/XX/XXXX, then they remove the account without consent and I'm trying my hardest not to take this to courts because they are wrongly ruining my credit and I need this to be resolved. 

I also want yall the CFPB to ask
Product: Mortgage

Complaint # XXXX This complaint is not resolved. The loan servicer continues to send me incorrect information in response to the Question " Who owns my loan? '' Rushmore has told me the owner is XXXX XXXX  on approximately 10 occasions. However, XXXX XXXX  has clearly told me and Rushmore that they are not the owner nor does XXXX XXXX  have any authority to make any decisions regarding my loan. This also conflicts with Rushmore 's statement 's as Rushmore has told me they speak with the owner regarding the decisions on my loan - including loan modification, payment proposals, and foreclosure. 

Please help me as Rushmore continues to give me the wrong information and then pretends the issue is resolved. An incorrect response is not acceptable.

Please help me get this resolved as Rushmore has also made multiple miscalculations on my loan balance and is then using this incorrect information to begin Foreclosure.
Product: Credit reporting or other personal consumer reports

XXXX months ago, I found a company on my credit report that said I had a loan with them for XXXX. They said the first payment was never made. Their name is Affirm Inc. the tarted account was opened on XX/XX/24. I did call them at first, but when they wanted personal information to access my account, I did not like that because that could have given them information that they did not have and could possibly use against me. I told them all I wanted was proof of this account and I would pay it off. I am retired and do not need to borrow any money. I contacted XXXX to dispute this. They contacted me and it was a good account and could not remove it. I then filed a fraud alert on this with XXXX and asked them to get proof that I am on this account. They said they checked again, but never was able to get or give me any proof or remove. To my knowledge, I do not know them or owe them anything and want this removed from my credit report.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report i noticed that ive been a victim of identiy theft and found numerous credit inquiries i have no knowledge of here are the inquiries that ive found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these fraudulent inquiries from my credit report
Product: Credit reporting or other personal consumer reports

Contacted TransUnion to correct the incorrect information that is being reported on my consumer report and the laws that are being broken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several student loans are showing delinquent due to bankruptcy. Bankruptcy was not filed also, you can not file student loans under bankruptcy. I was in school the dates in XX/XX/2016 and ongoing and no payments were due to XXXX XXXX at that time. I have already filed dispute with XXXX XXXX about error on their end and they are working on correcting the issue.
Product: Mortgage

On XX/XX/2020, XXXX Escrow assistant contacted me in order to assist him in contacting Chase home mortgage for the payout. We did a 3 way conference call, and I spoke to XXXX, Chase mortgage specialist and asked whether she can fax or email the payout, and she said, " yes. '' That, she will email the payout which she lied and failed to do. 
Subsequently, at XXXX XXXX, the payout was neither faxed or email from Chase mortgage department. Again, I had to contact Chase at XXXX XXXX XXXX XXXX in order to obtain the payout. Apparently, I spoke to XXXX, mortgage specialist, and informed him that XXXX failed to fax or email the payout to XXXX Escrow, and I told him that she lied. XXXX provided me the payout of {$200000.00}. He informed me that the payout will be email to me and XXXX escrow which never happened. 
I am frustrated with Chase because the mortgage specialist are incompetent and not dependable. We are XXXX veterans and retirees. Chase failed to provide the XXXX XXXX the payout prior to the closing date. Chase is unfair and prolonging this payout in order to obtain floating interest.
Product: Payday loan, title loan, personal loan, or advance loan

The loan was for the amount of {$37.00}. I made a payment and my account was never updated. I have tried to reach out to someone multiple times regarding the issue but I never got the proper help regarding this issue.
Product: Credit reporting or other personal consumer reports

I have several accounts on my report that have been on there for more than XXXX years. Which after XXXX years they are suppose to come off but instead of them coming off they keep selling them to different companies and they keep changing the dates and moving them closer to the current date so they stay on my credit report. Almost everything on my credit reports are from XXXX years ago and they just keep selling them to different companies and changing the dates to keep them on my credit report which in turn has kept me from being able to buy a home, buy a car or even rent a place or get any kind of loan at all. Everyone I have spoken to professionally about this has told me that it is illegal for these companies to keep selling my debt and information to different companies to keep it on my report and keeping my score from going up or me being able to buy anything or get any kind of credit at all. I need help to get this inaccurate stuff off my reports so I can buy a home and a new car for me and my kids. These people are doing illegal stuff to keep me in debt and I need help to fix it. Please help me.