23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We purchased the timeshare in XX/XX/XXXX. Our children were young, and we used the exchange to  vacation with them. After the children grew up, my husband and I continued to use the timeshare. When the maintenance fees began, we paid as expected. We are seniors now ; both of us were laid off and we have only Social Security as income. The invoice for maintenance fees was sent in XX/XX/XXXX and, in good faith, we paid them because we could. However, we noted that we could not continue to pay them because our income was insufficient. We had met with a bankruptcy attorney, and decided that it was our only relief. Our bankruptcy was filed, and all creditors, including our timeshare, were notified and given the hearing date for creditors. The timeshare creditors did not respond. All debts were XXXX on XX/XX/XXXX. Later that year, we received the XX/XX/XXXX invoice from the timeshare. I sent a letter explaining that we had to file bankruptcy, and were no longer owners. They did not respond. When it was clear that we were not going to pay any more, we began receiving threatening letters even though we no longer held any claim to the unit. The timeshare inventory agent told me that they had been made exempt in the bankruptcy law. I reviewed that law, and found that it spoke of " ... intentional wrongdoing '' by consumers, and " ... society 's interest in excepting those debts from discharge outweighs the debtor 's need for a fresh economic start. '' We take exception to that because we knew nothing of the law, and the timeshare did not respond when notified by the bankruptcy attorney. The fact that we surrendered the timeshare unit, and had it included in the bankruptcy, without dispute from the timeshare agents, should relieve us of any further attempts from them to collect from us. This is not a " postpetition assessment '' issue. If we had been advised that by paying the XX/XX/XXXXmaintenance fee it would exempt the timeshare from bankruptcy, we would not have paid it - again, we were acting in good faith. In turn, they have not.
Product: Bank account or service

TRIED TO CASH A CD WHICH HAS A CONTINUAL 6 MONTH ROLL OVER. THE ORIGINAL CD WAS ISSUED BY XXXX XXXX AS PER THE COPY. THAT BANK WAS TAKEN OVER BY WACOVIA THEN WELLS FARGO. WELLS FARGO DENIES ANY RESPONSILITY AS IT IS MORE THAN 7 YEARS AND THEY DO NOT SEEM TO GO TO THE ARCHIVES TO CHECK IT OR TO PAY IT. 
TOO BIG TO BE BOTHERED?
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX card was opened in my name in XXXX without my permission.The card was eventually closed and charged off due to my identity theft affidavit. 4 years later they are still showing inaccurate information. According to XXXX, the account was charged off in XXXX of XXXX. Experian shows that that card was charged off in XXXX of XXXX. 

Upon receiving requested statements, I noticed that they still have the account open after an alleged charge off. After the charge-off, XXXX is now showing that I have been allegedly making payment after the charge off and the account was re-opened. I have attached a copy of the statements from XXXX starting from XXXX showing that a payment was made in XXXX of XXXX when on XXXX it says the account was charged off XXXX of that same year. Each of the XXXX Credit reporting agencies listed are reporting completely different information which are both inaccurate. 
This has hindered me in many ways moving forward in my life due to this irresponsible reporting. I am looking to move forward without this hinderance.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} - Account # : XXXXXXXX XXXX XXXX XXXX - Balance : {$1000.00} - Account # : XXXXXXXX XXXX XXXX XXXX - Balance : {$24000.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : XXXX  - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from 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  The FCRA mandates that consumer reporting agencies take reasonable steps to ensure the accuracy and privacy of personal information ( 15 U.S.C. 1681e ). If this information is found to be incorrect or unverifiable, I request that it be deleted from my credit report. 

Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit report file no. XXXX " verified as accurate and updated '' disputed information regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in collections from original creditor XXXX XXXX XXXX XXXX XXXX I have never requested or received any products or services from XXXX XXXX. I have never lived or owned property outside of my home XXXXXXXX XXXX XXXX XXXX XXXX XXXX  does not appear to provide products or services within XXXX. I have not been involved with XXXX XXXX in any way, yet XXXX XXXX XXXX XXXX has apparently repeatedly " verified as accurate '' the information it submitted to Transunion which is adversely reflected on my credit report. I would like this inaccurate information removed from my credit report and my personal information removed from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

The name of the company is Comenity Bank, XXXX XXXX XXXX, XXXX, OH XXXX. Their phone number is : ( XXXX ) XXXX. I have stated to a representative of theirs, numerous times, that I do not verify ANY information, whatsoever, if I receive a call in which the callerID does not show me the phone number and the name of company. This is due to the many fraudulent calls I receive in any given time. Therefore, I have no way of validating if the call is real or fraudulent. However, I am receiving calls up to 8x per day from ( XXXX ) XXXX, ( XXXX ) XXXX, Unknown, or a combination. There have been times when the phone number I look up states that it is, indeed, a spoofed number ( e.g. non-fixed XXXX XXXX or XXXX XXXX number ). Again, the issue is that if the call is from a company that I am familiar with or owe, the company ought to respect my wishes and have a call come in to me under the actual phone number of the company as well as that company 's name when it comes to what I am to see with CallerID. There is a reason I prefer phone plans with the CallerID option.
Product: Mortgage

Original loan was with XXXX XXXX what transferred are sold to Rushmore mortgage company before my first payment was due XXXX XX/XX/XXXX I bought the house in XX/XX/XXXX I sent in my first payment as schedule to Rushmore Mortgage Company end of XXXX soda my first payment for XXXX would be definitely on time I made my XXXX payment I made my XXXX payment at the end of XXXX and that make my XXXX payment at the end off XXXX I made my XXXX payment the same time the end of XXXX my XXXX statement came with the extra amount that I owe {$5000.00} I contacted Rushmore loan company in XXXX when the bill keep coming for the extra {$5000.00} I wrote them a letter I spoke to them on the phone I was told I would go over my account they send me a check for {$700.00} because I was making extra payments to my account at the time even though they send me a check for excess amount they did not resolved my account for that {$5000.00} they are demanding for me I went to XXXX  XXXX  XXXX and ask for copies of all my payments I make extra copies and I send it to Rushmore with a letter of explanation showing all my payments include my present payment for XXXX XX/XX/XXXX yes I get no results in in resolving the extra amount being demanding on my mortgage statement in XXXX of XXXX I call Rushmore again try to resolve my account I was told that my payments were missed applied and I asked for my account to be corrected Rushmore is sending people to put notes on my door I save those envelopes as proof up to this point my account has not been resolved I contact the legal aid senior hotline asking for help I am still trying to get this resolved I can not sell my house I'm so frustrated right now because my account is not correct
Product: Debt collection

I saw that a Credence Resource Manage was stating I own them {$750.00}. The company claimed they sent me many letters and I never received them. Once I saw the collection item on my credit report, I requested that they send me the contract I sign, along with my state identification, and last 8 months of payments. I ask for this for them to proof the account was mine and I open this with them. I am still waiting on this. I have never open any account with them or XXXX. 
They claimed I made payments to them, I have never paid CREDENCE RESOURCE MANAGE any money or have I signed any contract with them. I have reached out to them by phone and letters by in XX/XX/2022 and XX/XX/2022 and have not received a respond or return letter. 
They need to provide the proof that I opened this account and they are entitled to whatever they say I own to them. 
This negative item is showing up on XXXX, XXXX and XXXX.
Product: Student loan

I graduated medical school in the summer of XXXX and my federal loans were initially serviced with XXXX XXXX. As PSLF was anticipated to be revamped in the summer of XXXX, I applied for PSLF and requested to be placed on an income driven repayment plan. This was approved by great lakes with all loans listed as eligible and a monthly repayment amount of {$1900.00} due to start in XX/XX/XXXX ( this was later extended when the XXXX payment pause was prolonged ). 

When my PSLF application was processed, my loans were transferred to Mohela in XXXX of XXXX, but for some reason my IDR plan was not transferred and I was initially listed as being in standard repayment. I called Mohela and they said they would refile the IDR ( unfortunately they also recertified my income without my consent and my payment amounts rose by XXXX dollars ). I received notice from Mohela XX/XX/XXXX that all my loans were eligible for IDR and my new payment amount would be {$2000.00} per month. 

On XX/XX/XXXX of XXXX, Mohela placed my account on an administrative forebearance, presumably to switch from REPAYE to the SAVE plan ( though this was never discussed with me ). On completion of the forbearance, only XXXX of my student loan disbursements were listed on the SAVE plan with the remaining 5 loans listed as on level repayment and my repayments went up to XXXX. I also received notice that my income needed to be recertified on XX/XX/XXXX I called them about this in XXXX of XXXX when I realized the error and was told it would be corrected, but the application to correct the error was cancelled without notice in XX/XX/XXXX. I called Mohela again today XX/XX/XXXX to fix both issues ( my loans not all being listed in SAVE and thus not all being eligible for PSLF ) as well as my income driven repayment income certification being incorrect ( based on my initial IDR certification it should have been due for renewal in XXXX of XXXX and thus extended to XXXX of XXXX, and based on the deadline Mohela gave me of XX/XX/XXXX it should have also been extended by one year to XX/XX/XXXX as the deadline was before XX/XX/XXXX.
Product: Checking or savings account

I have an inherited XXXX IRA held at Ally Bank. The relative who named me as beneficiary died at the end of XX/XX/year>. As executor of his estate I have sent to Ally Bank the death certificates for 3 of 5 beneficiaries named in the will as well as the death certificate of the XXXX IRA owner. Ally Bank has been slow, at best, to process the paperwork to transfer these benefits. I was told 5 weeks ago the request was in process. When I called to follow up I was told I did not return the inherited IRA paperwork. I explained to them I did not receive said paperwork. They offered to send me a link so I could print my own copy. After a week I called again and was told the back room was sending me the paperwork. As of today, no paperwork. Now 5-6 weeks after telling me the case was in process at Ally Bank , I receive a message that says they could not read one of the death certificates. This turn of events occurred after telling me repeatedly they had the information and was processing the estate request. I feel as though Ally Bank is playing games with the estates request to transfer monies lawfully left to us by our deceased relative. This inept customer service is inexcusable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 

15 USC 1681 Section 602 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Product: Credit card or prepaid card

Made a hotel reservation using a different card in XXXX. Emailed the hotel to confirm reservation. Received reply that everything was ok and confirmed. Arrived at the hotel and the receptionist told me my reservation was not valid and I had to pay a new reservation for XXXX euros. I showed them the confirmed reservation and the printed email answer including the name of the person that replied. They stated they didn't care, and that I had to pay for reservation. I used the Chase Sapphire card and signed in the line : WILL DISPUTE. At the checkout they even tried to collect XXXX euros for taxes, until I started calling the police and they finally stated oh no, there are no taxes to be paid, you're good to go. Clearly this hotel is trying to scam customers. After arriving at the US I filed a dispute with Chase. Showed them proof of payment, email with the hotel, and statement showing the confirmed hotel purchased. After several calls from Chase Specialist XXXX, she stated Chase could not even resolve my dispute because the quantities did not match. I explained the original reservation was done in XX/XX/XXXX, and was paid in euros. The transaction came to be {$140.00} USD at the change that day. On XX/XX/XXXX when I was scammed on my Chase card, I was charged XXXX euros, which came to {$140.00} USD. She stated that because the amounts did not match, she could not resolve my dispute. I explained currency conversion and she did not care. As a result I've downgraded my Chase Sapphire Reserve to a Preffered, and will be closing my account in a week when the balance is paid. After a long term relationship with Chase, I honestly did not expect this level of stress or bad customer service.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX  - XXXX - {$1800.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Checking or savings account

I am XXXX of the XXXX XXXX XXXX XXXX. We placed $ XXXX CD with this bank years ago when they had a branch here in the Florida area. They closed the branch and now have offices only in XXXX AZ area. So we have sent letters. We've made calls. We signed up for online banking but can't close the account and request a wire via the online banking. We did receive one email response from XXXX XXXX ( XXXX ) XXXX but that was XX/XX/XXXX  ( nearly 3 months ago ) and that one email response took us 3 months ( since our initial XXXX contact request to close account and send back the money ). 

We have sent a certified return receipt letter ( which we have the receipt for ) 6 weeks ago and still nothing. We must now ask our attorney to send a letter. I've never experienced anything like this - - being unable to get a CD closed and money returned. Any help you and provide would be much appreciated.
Product: Credit card

I have had a credit card that has been transferred through different banks as they were bought out. I have had this card for nearly 20 years. It has a variable interest rate tied to the prime rate with no annual fees. Chase now has my account. When they bought out the account they tried to add an annual fee. I said no and they agreed. Now they want to add a {$98.00} annual fee. I tried talking to them, but they said that due to the fact that the interest rate on this card is so low that they need to add an annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently, Transunion refused to remove additional inquiry from credit report. On or around XX/XX/2021, I applied for a credit card with XXXX  XXXX XXXX and it was approved. However, during that process it is XXXX XXXX  inquiries on my Transunion credit report. Filed a compliant with XXXX  due two credit inquiries for one credit card application, XXXX properly investigated compliant and discovered, they only pulled credit report once and the error was on Transunion. Once again disputing inquiry with Transunion, website will not allow you to go next phase. I have supporting documentation where XXXX  states they pulled only one report. Transunion refused to remove inquiry additional inquiry from credit report.
Product: Student loan

Sallie Mae continued to harass and badger myself and my co-signer I have been paying my loans for XXXX years with no issues and they continue to send out mass emails even tho XXXX loans were paid early It needs to stop
Product: Credit reporting or other personal consumer reports

I've been aware for the past XXXX  years that ALL the accounts ( from all major banks in the US ) in my XXXX XXXX and ChexSystems report are fraudulent and were not opened by me. My information was stolen XXXX  years ago so I've been a victim of identity theft for a decade. Making the information furnished in that report inaccurate. For more than half that timeframe I have been submitting disputes asking for verification of EVERY piece of information in that report and they ride out the full time the law allows them to investigate just to send me a letter on the last day that says the information has been " verified as accurate '', without providing how or proof. I'm tired of doing the same song and dance and going back and forth with XXXX XXXX XXXX and Chexsystems. I want the entire report and everything in it deleted as it was NOT me and I am a victim of ID theft. I keep getting inconvenienced. I'm opening accounts at banks and having them closed the same day due to this inconvenience. Everything on my report is because of identity theft. I want it all removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had a hard imquiry post to XXXX, XXXX and XXXX from XXXX XXXX Date Filed XX/XX/XXXX Type Mortgage Reporters Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX This was not an authorized hard inquiry. I was shopping for solely for a stand-alone HELOC, which the broker said they could do. As it turns out I was told they can only do a HELOC if refinancing the mortgage. I was very clear I did not want to refinance my home and was not interested in a HELOC unless it was stand-alone. They ran my credit anyway and reported it to XXXX, XXXX and XXXX. I spoke with a supervisor to remove my hard inquiry that they pulled using XXXX XXXX and was assured it was going to be removed. I was told I would receive an email confirmation. I have not received an email confirmation and the hard inquiries are still showing on all three credit bureaus
Product: Debt collection

THIS COMPANY IS SAYING I OWE THIS DEBT BUT HAS NOT PROVIDED ANY VALIDATED PROOF TO CONFIRM THIS. I HAVE ASKED 3 TIMES ALREADY TO PROVIDE THE PROOF TO ME SO I CAN GET MORE DETAILS AND INFOMATION BUT THEY HAVE NOT PROVIDED IT AND HAS NOT RESPONDED TO ME AT ALL. CURRENTLY IT HAS BEEN OVER 30 DAYS. UNDER THE FCRA ( FAIR CREDIT REPORTING ACT ) THEY HAVE YET TO PROVIDE ANY VALIDATION NOT VERIFICATION BUT VALIDATION TO CONFIRM DEBT THAT IS OWED.