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

On XX/XX/XXXX I filed bankruptcy. Once I filed bankruptcy, My credit score dropped to XXXX.However, For the last 13 months, I have done all the steps to improve my credit such as ; I added five new credit cards. I have paid them on time and I have no late payments. I have kept my credit usage down below 15 percent. My credit score start increasing and after one year in XX/XX/XXXX, my credit score increased to XXXX points. However, for no reason Experian start dropping my credit score. On XX/XX/XXXX Experian dropped my score by five points. The again on XX/XX/XXXX Experian dropped my score by 17 points. I contacted Experian and they told me that Fico Score company dropped my score and told me to contact them. Upon contacting Fico Score I found that this was untrue. Nevertheless, Experian took away XXXX points from my credit score for paying my creditors on time and keep my credit usage low.
Product: Checking or savings account

I am unaware of the date due to this happening over a period of time. I have make calls to customer service a few times crying and this is becoming overwhelming and scarring especially since the economy is so hard.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( LVNV FUNDING ) HAS Duplicating account information on my credit report 2 of the same debts from the same creditors and the same account first the used webbank/fingerhut to report his debt then again for LVNV FUNDING ( XXXX XXXXXXXX/XXXXXXXX ) this is in direct violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the Company to update my credit report numerous times with no response. I've spoken with the Manager XXXX XXXX of the XXXX, TX Branch about not reporting accurate information to the Credit Bureau. Transunion is also responsible for reporting inaccurate information on my Credit report and file. XXXX is inaccurate and neither the data furnisher or TransUnion has reported accurate information for the past three months. This has affected my credit utilization and credit report negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is keeping to post wrong information on my Credit Report. 
People BEAWARE!!!!! 
Experian post that an account on my credit report have a balance of XXXX on XX/XX/2021 meanwhile in the section that shows " changes '' you can clearly see that my utilization decrease with 65 % and my revolving debt decrease with XXXX... 
The truth is thas this account have a XXXX balance With all of this that my utlization and revolving debt decrease, Experian drop my credit score with XXXX point .... This a clearly sign of all of their bad and wrongfully parctice against costumers
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed some mistakes in my credit report. On XX/XX/2021 I mailed dispute letters to all three credit bureaus ( XXXX, Equifax, and XXXX ) asking them to investigate and verify two negative collections accounts ( XXXXXXXX XXXX XXXX XXXX  ). Two weeks later, on XX/XX/2021 I mailed a second letter in because I noticed some unauthorized inquiries on my account also. Not only did they not respond within the 30 day period for the disputes I sent on XX/XX/2021 when I finally received results from the credit bureaus on XX/XX/2021 the accounts came back as verified after I included all the inaccuracies the collection companies were reporting between the three bureaus. I was not satisfied with their investigation, so I contacted the collections agencies asking them to validate that the debt belongs to me. Neither the credit bureaus nor the collection agencies provided me with verifiable proof and signatures to show that the accounts belong to me. They have ignored my disputes and failed to provide me with the proper paperwork to show ownership. These derogatory accounts have caused me tremendous hardship in accessing credit, loans, and employment opportunities in a time when it's already hard enough with what's going on.
Product: Credit reporting or other personal consumer reports

I paid my account off as agreed upon with a representative of the company, in return the account would be removed from my credit reports. To date, the account is still showing on my report.
Product: Debt collection

XXXX XXXX reported inaccurate information to a third party debt collector after neglecting to provide correct billing info to my insurance carrier XXXX XXXX after it was requested at the time of service. The third party debt collector ( Medical Bureau ) has reported this information to credit bureaus and have caused my score to drop tremendously. The third party is constantly adding and removing the items, causing the debts to re - age. XXXX and I have tried several attempts to speak with the original creditor ( XXXX XXXX ) and reps have stated for the past several days the servers have been down. XXXX XXXX reps stated they would call back and failed to follow through as promised. I notified the medical Bureau who advised they reached out to XXXX XXXX and said such debt is valid, thus they can not remove the items from my credit. 

Included is the information given to me from XXXX  representative : XXXX, I see the claim in the system from XXXX XXXX XXXX XXXX on date of service : XX/XX/XXXX. This claim was processed with the incorrect prefix number from your medical member ID number, and was not updated with a processed claim as requested in XX/XX/XXXX. As a result it rejected the amount of {$1100.00}. 
After speaking with you on XX/XX/XXXX and notifying XXXX of the debt collection, I called their billing department on XX/XX/XXXX and spoke with XXXX who advised that their systems are down and would follow back the following day. I called back on XX/XX/XXXX and spoke with XXXX again who advised that their systems are still down and to try again the following day. I called back on XX/XX/XXXX and spoke with XXXX who advised that the systems were sill down but took my name and number and advised that she would call too call me back when their systems are up. 



Thanks, XXXX XXXX. 



XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Office : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX XXXX XXXX
Product: Checking or savings account

I have 2 CDs in my name as a minor from 1997 and my dad as guardian. My father recently passed away and I just located the CDs. I'm legal age now but XXXXXXXX XXXX closed and is now Bank of America. I called to see about the account and they only keep records for 7 years. I checked unclaimed property but came up with nothing so it was not escheated. If my CDs were insured by FDIC should I be entitled to the amounts on the CDs? Or atleast someone tell me what happened to the account in question. Thank you
Product: Checking or savings account

This is in regard to a letter I received from XXXX XXXX XXXX on XX/XX/2019, dated XX/XX/2019. The letter states that my deposits are not in accordance with First Hawaiian Bank rules and regulations and that we have decided to close your account. I talked to XXXX on XX/XX/2019, at XXXX XXXX and was told my account has unlimited deposits for the checking account I have with First Hawaiian Bank. XXXX XXXX only sent a letter that I included in the file upload with no explanation about what account deposits are not in accordance with First Hawaiian Bank rules and regulations. I never heard of someone's account being closed for making deposits. I have been making the same deposits with First Hawaiian Bank going on three years and really would like to know what changed on XX/XX/2019. I included my bank account statements for the last three years. I hope this would help XXXX XXXX explain exactly what deposits are not in accordance, this is a first for me. I was giving to XX/XX/2019, to either close my account or XXXX XXXX will do it on the bank 's behalf.
Product: Debt collection

My daughter took on her own an emergency loan with the credit company " avant credit '' to face medical expenses ( XXXX with no income ). 
She has not been able to make payments back. The loan has been sold to another company " XXXX XXXX '' phone XXXX XXXX XXXX ( debt collector ). We have tried to call them many times but afound an answering machine each time we class, at any time during business hours. It is impossible to solve the loan. Interests continue to be added during this time!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX, XXXX  XXXX BANKRUPTCY DISCHARGED Filing Reference Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, with the help of Target customer service representative, I enrolled my Target credit card in Autopay on Target website using my checking account with XXXX please see documents attached. The same day I signed up for electronic statements. 

On XX/XX/XXXX, I received a statement from Target that my balance is due. Nothing on that statement yielded that my autopay did not go through, and I am past due on my bill, see documents attached. Not a single alert about my account being past due came from Target. 

The next day I received and alert from XXXX and XXXX that my score dropped 155 points due to the red flag posted by Target. In twenty  years I never missed a payment, and always had an above 800 credit score. I paid my bill immediately using the same autopay account ( already in Targets system ). My XXXX account was processed immediately for the outstanding amount, see documents attached. I called Target numerous times to no avail. 

On XX/XX/XXXX, I filed an online dispute with XXXX XXXX XXXX. 

On XX/XX/XXXX at XXXX, I finally got through to speak to a Target representative. I informed him of the situation. The representative told me that I never had an autopay account, luckily I could prove that an Autopay account was, in fact, created on XX/XX/XXXX. I have a conformation message about enrollment in Autopay generated by Target, see documents attached. That day, I was also on the phone with the Target representative who was guiding me through an autopay set up process. 

On XX/XX/XXXX, during my conversation with Target representative he gave me the report number XXXX. Target representative assured me that they posted a note to XXXX agency, as he stated they put a red flag due to misunderstanding. The representative assured me that Target will look into my call to set up an Autopay on XX/XX/XXXX, and that someone will follow up with me. No one from Target ever called. 

On XX/XX/XXXX, the dispute results from XXXX came. The XXXX stated that Target balance shows as outstanding still ( as I never paid it ). Please see the attached documents that confirm that I paid the balance in full the same day I learned of the account being past due. I hoped that XXXX will be able to solve this ; however, the red flag posted by Target was never removed, and XXXX did not change the status of my credit. 

I am determined to solve this problem. Ive always had an outstanding credit history, and never was late on any of my payments. I enrolled my Target credit card in autopay due to convenience, as I have all of my other accounts. I have never experienced problems with autopay until Target. 

Please, help me solve this situation. 

Best, XXXX XXXX ( XXXX ) XXXX
Product: Student loan

On Thursday, XX/XX/XXXX I called my Federal student loan servicer Great Lakes Student Loans to lower my monthly payment while on Income Based Repayment. I had been paying {$53.00} prior to the pandemic and the Great Lakes Student Loans website confirmed that I would be paying {$53.00} after the pandemic. However, my daughter was born after this was assessed, so I called in to lower the rate by adding a dependent. 

When the agent calculated my new rate, she said it would be {$230.00}. She explained that my rate would be {$53.00} through XXXX of XXXX, but that adding another dependent would actually increase the rate and she couldn't account for the reason why. She consulted her supervisor, who advised that there was an error and my rate would be changed from {$53.00} to {$330.00}. I advised the agent that I did not consent to this change. I requested that she make sure the change was not made. She assured me that the change had not been made. 

Following this incident, I complained about Great Lakes Student Loans on XXXX, and their social media team intercepted me and offered to help. After exchanging some information, an agent called me on Friday, XX/XX/XXXX to confirm that the previous agent lied to me. The change from {$53.00} to {$330.00} was put through without my consent and when I was promised that it would not be put through, I was given false information. He offered to " lower '' my rate to {$230.00}, but did not address my actual issue.
Product: Debt collection

Subject : Request for Debt Verification Dear PROCOLLECT, I am writing in response to your recent communication regarding an alleged debt you claim I owe. This letter is a formal request for validation and verification of the debt, as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. The amount of the alleged debt ; 2. The name of the creditor to whom the debt is currently owed ; 3. A copy of the original contract or other documentation showing I agreed to assume this debt ; 4. A complete payment history, including any charges added and any payments made ; 5. Evidence that you are legally authorized to collect this debt in my state.

Until you provide the requested verification, I am requesting that you cease all collection activities, including reporting this debt to credit reporting agencies, per 15 U.S.C. 1692g ( b ).

Please consider this letter a dispute of the validity of this debt.
Product: Checking or savings account

I am filing a formal complaint against bank of america regarding their mishandling of my cashiers check and their unreasonable policy that prevents me from accessing my funds for 121 days due to an error caused by their employees. 

1. Bank 's Negligence in Addressing and Sending the Check On XX/XX/scrub>XXXX  bank of America closed my account and issued a cashiers check for my remaining balance. However, the bank sent the check to an incorrect address, which is neither my prior residence nor the address listed on my bank statements. I have rental agreements and past bank statements to prove that I never updated my address to the incorrect one used by the bank. 

Despite my complaints, the bank refuses to acknowledge its mistake. If the bank continues to deny responsibility, I request that they provide call recordings or internal records showing that I authorized an address change, which I never did. This mistake was a result of the banks internal errors, and I should not be penalized for their failure. 

2. Unreasonable and Unfair 121-Day Policy When I reported that I did not receive the check, I was informed that the bank would not issue a replacement check until 121 days had passed, unless the original check was returned. This policy is unreasonable and places an excessive burden on consumers, especially since the mistake was made by the bank. 

Other banks have much more reasonable policies : XXXXXXXX XXXX XXXX When I reported a missing check, XXXX immediately reissued a new one. 
XXXX XXXX : Allowed me to withdraw my funds before account closure, ensuring I had access to my money. 
By contrast, BOAs policy creates an unnecessary and excessive restriction on my ability to access my funds. It is significantly more restrictive than industry norms and causes undue financial hardship.
Product: Checking or savings account

On XX/XX/2023 I deposited a check for XXXX and the check came from the treasury which was issued by thrift savings plan slssh XXXX it was from my dad he passed away last year and my XXXX brothers got the same check. When I deposited it into the chase atm it said had a ten day hold so on XX/XX/XXXX i called chase Bank because I had received a letter in the mail telling me chase wax suspending mu account due to fraudulent and suspicious activity chase Bank informed that they believe my check had been chemically washed and that I had typed my name in and so they wanted proof that the check was really mine and so I called tsp and the treasury department and they both told me that Chase could verify it in their system.so Monday XX/XX/2023 I called chase back and they told me that they had to talk to the treasury dept themselves and we'll I called the treasury department and they informed me that the check had already been cashed but chase admitted to cashing check still would not give the funds to me. So on XX/XX/XXXX I went back up to chase Bank and they finally copied the check stub from the check from the treasury department and I was told it was verified in their system but they still was saying they believed the checked to be fake even though they cashed it and told me they could hold money up to two years unless the treasury department issued a recall on the check which make chase send the funds to treasury dept and the last person I talk yo I said my XXXX brother didn't have any problem cashing their check with their bank.
Product: Credit reporting or other personal consumer reports

I disputed unverified and unauthorized accounts and asked the creditor to provide proof for these accounts that arent supposed to be on my report. And Ive been ignored for months The creditor continue to report unauthorized and unverified accounts to my credit which is damaging my credit and keeping me from providing a living for myself due to being denied for everything from these accounts negatively impacting my credit score, Im not able to find a place to live and I m not able to get a bank account or credit cards because of this. Please assist me in any way you can.

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have never given authorization for the furnishing of my information to your credit bureau. Please have them remove this asap!
Product: Mortgage

We mail our check to BBVA for our mortgage. We made the mistake of writing the correct amount of our payment in the numeric box but accidentally did not write in long form the correct amount. We were contacted my bbva and we immediately send a check for the difference. We were then contacted later saying the account is past due. The rep checked i to the payment and saw it was applied to principle. The rep stated they would fix it and we also gave them a check by phone for the difference since it had not been received. About a week later we were called saying the account is past due. We explained the concern and the rep said they see everything and to disregard the call And that they would send a letter saying it is taken care of. Now today I received a call saying my account is 34 days past due and again they ate trying to collect from me. I asked to speak with a supervisor and none were available. This company obviously is mishandling money and hurting my credit bu doing so. Please help!
Product: Credit reporting or other personal consumer reports

I'm unaware of this debt and did not have the opportunity to dispute this account XXXX XXXX XXXX XXXX # XXXX! They should have provided me with proper notification about this account for before they placed it on my credit report! 

If XXXX XXXX XXXX XXXX has provided this information, please provide the CERTIFIED MAIL RECEIPT WITH MY SIGNATURE, DATE AND TIME supporting I received proper notification as required! 

I had Excellent Credit Score XXXX plus! I was in the process of buying a house this account appeared on my credit report! PLEASE REMOVE AND ASAP OR I WILL TAKE LEGAL ACTION!!! As XXXX XXXX XXXX are in violation!!!
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX