23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

From the first week of me being a tenant Management was nothing short of dismissive, and disrespectful.

1. ) I requested for maintenance to come insulate the windows in my large 2 bedroom apartment, as my electric bill was skyrocketing due to no insulation.

Not only did the office manager ( XXXX XXXX ) deny and cancel my request she then later denied and stated that she didn't. Despite documentation showing online ( User Portal ) that the request was cancelled under her credentials specifically. 

Due to my requests being continually dismissed via phone and online ( User Portal ) My electric bill became unsustainable which ultimately resulted in me having to leave my home.

2. ) Prior to my departure I stated ( Via phone ) that I would be moving out 2 weeks in advance of the new month of XXXX ( XXXX ) My lease was over XXXX of XXXX, in which I should have not been fined for " breaking my lease. '' In which I was! 

The weeks leading to / and following my departure were emotionally damaging and financially devastating due to the treatment wrongfully initiated by XXXX XXXX XXXX XXXXXXXX, in addition to their collection agency ( Hunter Warfield ) XXXX XXXX XXXX has charged me for breaking my lease, and cleaning my apartment. Despite me having documentation of a fully cleaned apartment upon departure.

3. ) I was charged for taking 2 carbon monoxide detectors, even though it was stated that the detectors were on property but temporarily detached as the battery needed replacement. Both were located on top of the kitchen cabinets, all in which I alerted management.

4. ) They charged me for painting of the apartment when the property was experiencing structural damage. All in which were causing the walls to crack paint. 
I moved into my apartment in XXXX of XXXX The structural damage was not repaired until XXXX of XXXX. Yet I was charged for paint cracking upon my departure of the property.

5. ) While cleaning my apartment for departure, I received an email from the property 's office manager ( XXXX XXXX ) who falsely accused me of bursting the pipes downstairs, and that the downstairs tenant didn't have hot water. I however was able to clean my apartment for departure with boiling hot water, and confirmed with my neighbor that he had hot water ( and ) electricity. The office manager ( XXXX XXXX ) continually attempted to create false accusations in attempt to accrue a debt balance for my credit report. 

All of these fraudulent charges have been made out of spite, and prejudice. All of these attacks have been personal and made out of spite, in attempt to damage my credit and reputation.
Product: Credit card

I am writing to formally lodge a complaint against Chase Bank for the mishandling of my credit card accounts, which has caused significant hardship to my business and personal life. 

As a loyal customer of Chase Bank for several years, I have always maintained a positive relationship with the bank and currently hold over half a XXXX dollars in assets, with over a XXXX dollars held in bank accounts. Despite this, without any prior warning or notification, Chase Bank abruptly lowered the credit limits on both my business and personal credit cards from around XXXX total down to less than XXXX. This unexpected action severely impacted my business operations, disrupting the workflow and hindering our ability to manage day-to-day business expenses. 

This situation forced me to redirect funds from my personal accounts, which we typically rely on to pay household bills, to cover urgent business expenses. This sudden financial strain has brought extreme hardship to my family and me. 

I urge the CFPB to investigate this matter and hold Chase Bank accountable for their actions. I believe that as a valued customer, I deserved proper notice and communication regarding any such changes. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My CaptialOne Savor one credit card has not yet been reported to any credit bureau 's the card was opened/activated in XX/XX/XXXX made a big purchase and paid it off in full on XX/XX/XXXX - WASNT REPORTED again in XXXX made a purchase - STILL NOT REPORTED not even when the account was activated it was not reported this is impacting my score and I would like this to be addressed.
Product: Credit card or prepaid card

During a move to a new apartment I had recently had my wallet stolen and had to disable and request new cards. Chime ( XXXX  XXXX  ) sent me a new card that said to log into the app to activate. When I attempted to log into my app the message I received was that the account was closed or suspended. I had assumed at that point that I would just need to reach out to customer service and have them reset my app, or have me create a new account log in. However, there is no live customer service person to speak with, so the only option is contact through emails. I have had emails sent to them since XX/XX/XXXX regarding my concerns, and that I NEED my money that was being direct deposited into that account. I got multiple responses from multiple different people saying they were willing to help me with my account if I could send documents such as my license and social security card for verification, which I expressed many times already was taken with my wallet, and I need another way to prove ID if that's the case. It has been over a week now that I have had no access to my money, and no real resolution. If they are planning to mail me a check I would need my statement and change of address updated. Otherwise I have requested they transfer my funds to the bank account I have linked. Regardless its unethical to close someones account and give them no way to speak with anyone to resolve the issue, or refund your money in some other time efficient way.
Product: Credit reporting or other personal consumer reports

Credit Agency has allowed creditors to report payment history lates on my consumer report without my consent per U S Code 15 1681 and 1666b. I am asking for proof of my written consent. Per U S Code 6801 protection of non public information. The reporting of inaccurate information. I am asking that all illegally reported lates be updated to paid in full or removed. I am asking XXXX XXXX XX/XX/year> a collection that is reporting as a open account with a balance be removed immediately per U S Code 1681 inaccurate reporting also XXXX XXXX XX/XX/year> another collection reporting as open with a balance. Willful complaince will result in legal actions requesting XXXX per FCRA violation. I am also requesting a letter of validation and verification for the Bankruptcy reported on my consumer report as the courthouse listed does not report to credit agencies again another violation.
Product: Debt collection

Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Method of Verification Under FCRA Dear XXXX, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : 1. Account Name : XXXX XXXX XXXX, National Credit Adjust, XXXX XXXX, Receivable Management, XXXX XXXX XXXX, XXXX and XXXX, XXXX XXXX XXXX, Reason for Dispute : The above accounts are incorrect for the following reason 1. Closed/charge off accounts recorded as Paid off but the balance is constantly updated. 2. Paid off account but falsely reporting as late. 3. I am contesting these entries as it was added without my authorization. According to the Fair Credit Reporting Act ( FCRA ) section 605B. It is illegal to report information on my credit report without my permission.

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 
Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information.

2. The method and sources used for verification.

Also, ** In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

A charge on my account was made by XXXX XXXX did not order, did give them any card information. Bank won't refund my account or return my. phone call. Paper work that was requested was mailed next they claim they didn't get it went to XXXX XXXX got the papers we filled them out and faxed them right then and??? Still out XXXX $
Product: Checking or savings account

On XX/XX/XXXX, chime put a suspension on my account. For context, I had just moved to north carolina and had signed up for unemployment, mainly due to the fact i had a XXXX  scare back in XXXX and didn't sign up back then. I was accepted by the state of north carolina and handled it all with them, and used my chime account to recieve the unemployment through direct deposit. Everything was going fine until XX/XX/XXXX when they put a suspension on my account for " suspicious activity ''. This was all coordinated through email, they asked for info to verify I was me, so i gave them what they asked for, but in turn revieved another email shortly after asking for MORE. So I decided to give customer support a call, considering there was upwards of XXXX XXXX dollars in my account. The lady was nice and a comodating, had me verify some purchases and info, then told me i was good to go and everything was unlocked etc. It wasn't, i even tried using my card later to make sure and it was declined. So I gave it a day thinking it just needed some time to process. It didn't, so I replied to the email i had before i called customer support, and gave them MORE info, including my Social security card, a picture of me holding my id next my face, and proof of address. Again, this wasnt enough for chime, and they sent me another email asking for MORE. So again, i called customer support, and this time at least the man i spoke to was honest with me, looked at the emails and documents i had provided, said it would be enough but i just had to wait for the higher ups to get back to me. Shortly after that phone call i recieved another email again asking for more info, with more misleading context. At this point i was beginning to think i was being scammed, but how could i be scammed by a legitimate corporation? So I sent my final email with my concerns and worries, and shortly after, they emailed me back saying my account had been shut down and my remaining funds ( almost XXXX XXXX dollars ) were non refundable. I tried calling chime, but it is now an automated voice message saying i need to email. But ive gotten nowhere with email and them. I called XXXX, and there was nothing they could do, so i called the other bank that is associated with chime, XXXX  XXXX. They said the same things, except when I talked to a supervisor they said that it was the " written '' department that had handled my account. Ive contacted an attorney who is going to take on the case, and I advise anyone who uses chime to switch banks immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

account # XXXX from XXXX XXXXXXXX has inaccuracies thats violating of FCRA requirements... 
date last active : XXXX XX/XX/XXXX experian XX/XX/XXXX, XXXX XX/XX/XXXX last payment : experian XX/XX/XXXX XXXX XXXXXX/XX/XXXX Therefore all this errors and inaccuracies makes this report invalid ..must delete from my credit report...
Product: Credit reporting 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. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Edfinancial have me held on a student loan. Which shows on my Credit Report and is a violation to ( FERPA ) FERPA protects the privacy interests of parents and students by restricting the unwarranted disclosure of personally identifiable information from education records.

FERPA broadly defines an education record as including all records, files, documents, and other materials, such as films, tapes, or photographs that contain information directly related to a student. 

Also : 20 U.S. Code 1232g ( b ) States ( B ) No funds under any applicable program shall be made available to any State educational agency ( whether or not that agency is an educational agency or institution under this section ) that has a policy of denying, or effectively prevents, the parents of students the right to inspect and review the education records maintained by the State educational agency on their children who are or have been in attendance at any school of an educational agency or institution that is subject to the provisions of this section. 

All Documents are from XXXX which are Third Party The steps i have taken, I have paid off XXXX Student Loans and tried to dispute My other Balances but Have not hear anything from them. I tried. XXXX XXXX but they did not send anything out. 

The one i paid off one of my Student loans of {$130.00} Which last payment was XX/XX/year> I have 2 Student Loans left. One with the balance of {$2800.00} which i paid some of it and it current balance is {$1300.00}. Which mean i paid a total of {$1100.00} The 2nd Student loan is the balance of {$1200.00} and i paid 1 % which brought down the balance of {$1200.00}. I Paid a Total of {$16.00}
Product: Mortgage

In XX/XX/XXXX my mortgage was transferred to XXXX XXXX/Shellpoint. Prior to transfer I had a payment arrangement with my previous mortage holder XXXX XXXX. The mortage was behind due to the flood in Louisiana of XX/XX/XXXX. I had been working with Capital One to resolve the issue and a payment arrangement was created in XX/XX/XXXX. The payment arrangement was for three increased monthly payments, the first payment due in XX/XX/XXXX, the second in XX/XX/XXXX and the final in XX/XX/XXXX. In XX/XX/XXXX, there was to be no past due owed and normal payments were to be resumed. I have a copy of the arrangement as issued and signed.

I made the first XX/XX/XXXX payment XXXX XXXX. Then, the loan transferred to XXXX XXXX/Shellpoint. However, they did not yet have history of any documents from XXXX XXXX and they told me they would honor any arrangement previously made with XXXX XXXX. I sent them copy of the arrangement.

I made the second increased payment as agreed to XXXX XXXX/Shellpoint inXX/XX/XXXX, and I made the final increased payment as agreed to XXXX XXXX/Shellpoint in XX/XX/XXXX.

My past due balance should now be XXXX. However, my details page with the new mortgage servicer shows I owe over {$7000.00}. And my new monthly payment has increased by almost {$400.00}.

After contacting Shellpoint, I have been told they did not receive any payments made previously with XXXX XXXX. i provided Bank Statements and Mortgage Statements to prove payment. I also asked for a reason for the increase in my monthly payment. They said it was due to escrow but can not account for the increase. The taxes and insurance amounts due do not total the increase. And they can not explain the increase to me.

I contacted Shellpoint NUMEROUS times to clear this issue, but keep getting the same result. They don't have the information they need from XXXX XXXX. I contacted XXXX XXXX and was told they don't have the information any longer due to the transfer.

I was then told to contact the Escalations Department at Shellpoint. I emailed them to try and resolve this issue. I have only received a letter from them that they would look into the issue. However, since then, I have received numerous additional letters that my loan is in default and of their intent to accelerate the loan.

I have tried to call the escalations department, but the voice recording just says they will contact me upon completion of review.

Now, I have two certiifed letters waiting for me. And my account details page still says I owe over {$7000.00}. The last letter I received from Shellpoint said I owed over {$5000.00}.

I need assistance. Please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft i have submitted multiple ftc reports, proof of identity as well as proof of address. I was told there was nothing they could do for me. I have called the creditors about these fraudulent accounts as well as the credit bureaus and they have completely dismissed my claims
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I filed a Chapter XXXX Bankruptcy due to hardship and trauma in my family. 
While there is a great deal of shame and grief in admitting you are bankrupt, it was our only option to renewing our financial profile. 

My understanding, by law, is that the Bankruptcy would remain for 7-10 years on my credit report. While I have endured the greater portion of this penalty, as I am now in the 9th year of this being held against me, I am now requesting that the Court remove the Bankruptcy from all three of my Credit Reports, including, XXXX XXXX, XXXX, and Experian.
Product: Credit card

Customer service inability to understand NY State fair credit reporting act and credit reporting time period. XXXX BofA employees could not help me. Opened credit card in XXXX XXXX and closed in XXXX XXXX. In my home state of NY I noticed the account was still reporting to all XXXX credit bureaus as a paid charge off after five years from date of first delinquency. This is a violation according to the credit reporting time period in NY State. The NY Fair Credit Reporting Act states that any paid charge off must be removed after five years from date of first delinquent. Bank of America refuses to acknowledge that my DOFD is XXXX XXXX. They have it reported as XXXX XXXX, which makes no sense if the charges related to the charge off caused my account to close in XXXX of XXXX. 30 days late in XXXX XXXX then 60 days late in XXXX which led to account closure. How can I use a card in XXXX if it was closed in XXXX? The representatives at BOA had no clue what I was talking about and referred to the standard 7 years plus 180 days that a charge off must remain on my credit reports. Once I had escalated the issue to Managers, they wanted to try and help. They were kind, but repeatedly put me on hold and had to speak with someone else. Once they realized it should be removed they recommended I dispute the item with the reporting credit agency. This is what I did and all disputes came back as verified with BOA. Essentially, verifying that my DOFD was XXXX XXXX, I figured I would try again and failed again until XXXX recognized the error and removed from my credit report. XXXX XXXX and XXXX refuse to remove because BOA will NOT report my DOFD accurately. After more phone calls and reaching XXXX XXXX he told me he would call me back personally and get to the bottom of this. Surprise, he NEVER called back and I had to reach out again. When he finally had an answer for me he told me their was nothing he could do except give me an address to the Executive Office. I had requested a complete account history, records of all activity, payments, collection attempts, charges added for collection attempts. The only information provided to me was a list of my statements from XXXX XXXX to XXXX XXXX. A letter enclosed, stated these are the best quality copies we have available. Another letter from BOA stated that -this account is reporting as being charged off on XXXX XXXX, XXXX, this account is reporting with a zero balance. Unfortunately, that is not the information I was inquiring about. The NY FCRA starts from the DATE OF FIRST DELINQUENCY, not the charge off date. All of this because of a {$30.00} paid charge off, which would have been paid in full if they actually sent it to the correct address. The card was stolen from me by a family member and charged it up without my knowledge. Hence, the charge off. Everything about this card and dealing with BOA and it 's associates has been a disaster. I have disputed the DOFD with XXXX and XXXX XXXX now several times. They will not change unless BOA reports the information correctly.
Product: Credit card or prepaid card

I opened a new Bank of America credit card in XX/XX/XXXX in one day to the other two weeks later they just closed it down. and when I called them they told me that I have very good credit they just want I should go down to a Branch with my license. I went down to fax the documents that they needed and still, they don't want to open up the card. that's real discrimination I have a good relationship with all the banks and they should open the account as soon as possible
Product: Debt collection

I recently received a call from the number from XXXX about some unpaid debt from XXXX. I called XXXX to confirm I had a zero balance. They have confirmed that. So I believe this call was a scam.