23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I took out a credit card to pay a lawyers fee for my divorce in XXXX. I used {$2500.00}, I believe. I paid dutifully on this credit card every month for over 15 years. The credit union stated that I still owed {$1100.00} when I stopped working and missed a payment and the account was taken off of my account online. I have been taking care of my mother for the last few years. I have had very little income during this time. The credit union wanted me to pay the balance but I could not afford to do t his. I spoke to them and complained about the amount I had paid on the original debt, It was 10 times what I borrowed and I had no money to give them. I recieved an unemployment check for {$4000.00} due to Coronavirus measures, and they took the full amount out of my account and refused to return the funds. We need this money badly. I had debts that needed to be paid immediately, we needed food and bedding and clothing and household equipment replaced. I asked them to make a payment arrangement with me instead, but they refused. I believe this is illegal to take a large amount from relief payments. I would like this money returned to me. If needed, I can pay the {$350.00} they offered XX/XX/XXXX, but can not afford to have the full {$1100.00}, and further do not believe it is fair for them to withdraw this without any notice. I will only go further into debt due to this withdrawal. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for XXXX premier as my ID was hacked into. I found out I had derogatory reports and have paid them over 3 months ago, some longer ago. I have repeatedly called these companies and the negative reporting has re-appeared. 
# 1. XXXX XXXX out of California bought my Care Credit account from Synchrony Bank I owed them XXXX they tried charging over XXXX XXXX. We agreed upon an amount and I paid it. They agreed to report paid in full with a XXXX  balance. It still shows up on XXXX as owing over {$600.00}! 
# 2. I had an XXXX Credit Card with approximately $ XXXX-XXXX balance. I tried numerous times to call them after getting out of the hospital, as did XXXX XXXX. In XX/XX/XXXX they agreed to accept {$320.00} as a paid in full I tried along with XXXX XXXX to accept this offer and pay them off. XXXX XXXX tried again in XX/XX/XXXX and XX/XX/XXXX. They said they can't talk to us??? We don't understand why it's still being reported and it shows up as {$1000.00}. being owed on my XXXX  report. 
# 3. XXXX XXXX reported I owed a bill to XXXX XXXX XXXX for {$270.00} and {$210.00}. They removed it as XXXX XXXX repeatedly called the hospital to let them know I had insurance that covered the bill and to bill the insurance. They did and removed it from the other credit bureaus but not XXXX! 
I was hospitalized repeatedly from XX/XX/XXXX throught the end of XX/XX/XXXX with XXXX and am now completely XXXX and on XXXX. XXXX XXXX is trying her best to repair my credit but no one is co-operating in removing these from my report even though they were paid or reporting things incorrectly. 
All items on the derogatory report have been paid except XXXX/Synchrony. Who refuse to accept our call or remove the derogatory report. 
XXXX, XXXX is paid as is a negotiated XXXX bill that was charged up by a former girlfriend.
Product: Credit reporting or other personal consumer reports

The debt company, LVNV FUNDING LLC ( owned by Resurgent Capital Services ), has purchased debt that they are claiming to be mine. 

This company must be under the impression that they are reporting accurate information under my name to the credit reporting bureaus. None of ther accounts that they are reporting to the bureaus are verified or true. 

The debt they claim is mine has not been fully verified or validated. I have requested proof of verification and validation of this debt and never received proof of a WET SIGNATURE of mine on a contract between the origin creditor and I to prove that I am liable for this debt as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 

The accounts that are being reported under my name are inaccurate, unverifiable, unvalidated, and it is unlawful for LVNV Funding LLC to report them. 

These accounts listed below must be DELETED from my credit reports as LVNV Funding LLC is in violation of the FDCPA and the FCRA : LVNV FUNDING LLC XXXX {$700.00} XX/XX/ Unverified Account LVNV FUNDING LLC XXXX {$33000.00} XX/XX/ Unverified Account LVNV FUNDING LLC XXXX {$14000.00} XX/XX/ Unverified Account
Product: Credit reporting or other personal consumer reports

Account #
XXXX ,IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS.
15 U.S.C 1681 SECTION
92 A. STATES I HAVE THE RIGHT TO
FRIVACY.
15 U.S.C 1681 SECTION 604 A SECTION 2: IT ALSO STATES A CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone: XXXX XXXX
Product: Vehicle loan or lease

on XXXX XXXX, XXXX I faxed CHRYSLER CAPITAL asking to obtain information reguarding my account, with no response I then sent on XXXX XXXX, XXXX By registered mail asking for information on my account. Still with no response, even after it was signed for. By law I have every right to know and gather information as it is my account.
Product: Debt collection

This company has ruined my life because of their dishonesty. 
They initially told me that it would be {$600.00} on top of my garnishment to get out of default, an amount I could not afford. 5 months later that amount dropped to {$160.00}, which made no sense. 

When I asked if I had any recourse, if there was any XXXX I could go to to dispute this, they blatantly told me no, I could not appeal. 

Had they quoted a manageable number to begin with, I would be out of the garnishment and would have avoided XXXX I have made this year. 

I was not getting any of their communications -- including the ones warning me of the garnishment. I had to tell them XXXX times that my address had changed. 

Two days ago I asked if they could delay my payment 4 days. They agreed. I recorded the phone call as proof. It came out of my bank account as scheduled anyway. This will result in all kinds of fees.
Product: Credit card

I was XXXX from XX/XX/XXXX till XX/XX/XXXX, during this time I hired someone to dispute a late payment on my credit report. When I contacted the individual ( XXXX XXXX of XXXX XXXX XXXX  ) he asked for my information to my XXXX  account, XXXX account, and XXXX account so he could get an assessment of my credit report while not pulling my actual report. After I provided the above information he/the company somehow attained my credit card account numbers for my NFCU Visa Platinum credit card as well as my USAA Platinum credit card and charged the cards {$15000.00} for my NFCU Platinum credit card and {$10000.00} for my USAA Platinum credit card. These charges were processed in XXXX XXXX, and neither company was willing to refund the charges.
Product: Checking or savings account

I made a purchase via my paypal account ( XX/XX/21 ) via an unknown merchant for cloth masks. Upon the merchant routing me to my paypal account I was offered to have payment from debit card ending in XXXX On XX/XX/21 checked my email and discovered that my XXXX XXXX XXXX account was charged an overdraft and upon review of my account, it was paypal. I immediately contacted paypal and while waiting for an agent, tried to inform them online that the paypal check out made a mistake. I spoke with an agent and he stated that he started a claim and gave me a {$20.00} credit for my inconvenience. Next day, I discovered that the merchant was contacted and was asked to " return '' the funds. I called paypal to inquire as to " why '' was the merchant involved in this matter when it still had the funds on the card ending in XXXX The agent stated that the only way they could get the funds back to my checking account was to get from merchant and then pay him from the debit card on file. I spoke with another agent yesterday XX/XX/21 and was told that the merchant would not be paid from the card. i informed all reps from paypal that the situtation was not the merchant or my fault but paypal 's and they should " own '' it!
Product: Debt collection

I received a letter dated XX/XX/2018, indicating a collection account for {$680.00}, has been placed with XXXX XXXX XXXX  for collection by XXXX XXXX XXXX College District. I do not and never have owed any money to this College nor have I taken out a loan of any kind with this College nor in any form in connection with this College. This debt is a fraud and does not belong to me. Furthermore, before a student can attend any course within this college, payment must be paid in full before any class can be attended. Therefore this debt is a fraud and does not belong to me and this company has received false information.
Product: Debt collection

I. Meyer & Njus P.A. sent me a letter stating 1 ) they had been retained by XXXX, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XXXX/XXXX/2015. In that letter, I asked Meyer & Njus, P.A. to validate the debt. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by Meyer & Njus, P.A. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XXXX/XXXX/2015 by Meyer Njus, P.A. regarding this matter. 

This firm stated they were retained by XXXX. That claim is patently false, since the debt was charged off. If XXXX was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by Meyer & Njus P.A. in the letter are fraudulent and misleading, and intended to intimidate. Further, Meyer & Njus P.A. has extended this fraud into court.
Product: Mortgage

I was trying to look at a refinance through my Bank named Bank of America where I tried to outreach around XX/XX/XXXXand they stated it could take up 6 months to a year to have everything completed. The homeowners association was being very belligerent and pushy to get money from all of its owners. Along with that they would threaten people all the time. The homeowners association is XX/XX/XXXX for the property XXXX XXXX XXXX in XXXX XXXX XXXX. My name is XXXX XXXX and I lived at XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX. Also they were going to raise the association dues to about {$300.00} a month. That would put my total cost for mortgage and dues totaling about {$1000.00} a month where I could get a house where I didnt have to worry about an association. Now I know that this association is using all means necessary to keep me unemployed and homeless. This is my last hope.
Product: Student loan

On XX/XX/XXXX, I paid off an entire federal student loan in full via Nelnet 's website ( {$2000.00} USD ). I immediately got an email from Nelnet that they received the payment. On XX/XX/XXXX, the transaction posted to my bank account. I was tracking the payment for around 3-5 business days ( checking daily, multiple times a day ) excited that I paid off a sizable amount. I found it odd that the amount I paid stayed in " Processing '' on Nelnet 's website when the payment already posted to my bank account the day after I made the payment. 

Sometime during the 3-5 days, I logged in and the transaction was nowhere to be seen on the site. I called the next day. The first person I talked to had no idea what I was talking about, it was almost as if I was being gaslit that I hadn't made a payment. I asked to be escalated and the next person knew exactly what I was talking about, somehow saw the payment, and submitted a request to have my balance be updated. I was told the update to my balance would take 2-4 days. 4 days pass and I call again. They tell me it will be an additional week. It has been 6 days. There has been no communication from Nelnet and no updates to my balance. I am frustrated that the next time they will tell me it will be another week or they " don't know '' why it's not processing AGAIN. I paid well in advance to avoid interest payments and yet we are approaching the beginning of interest kicking back in.
Product: Credit card or prepaid card

Due to bankruptcy secured credit card account with Capital One was closed. Remaining balance was paid with secured funds however there are remaining funds due back to me. I attempted calling several times and no one assisted me. 
I am currently reaching regarding Master Card secured account ending in XXXX. The account was closed due to chapter XXXX bankruptcy. Last statement I received from Capital one was in the amount of {$200.00}. I opened the account in the amount of {$480.00} of secured. I believe I am due a refund. Please review and return my funds to me immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute for a chapter XXXX bankruptcy case # XXXX that is listed only on my XXXX credit report. On XX/XX/XXXX, XXXX replied to the dispute and advised that they received correspondence from LexisNexis, which is their vendor they use to verify bankruptcies, that it was certified as accurate. I was then advised that I would need to contact them to complete a method of verification in order to see how they were able to verify it. 
On XX/XX/XXXX, I contacted LexisNexis for a method of verification, and on XX/XX/XXXX, I received a letter of resolution that states since they were unable to verify the accuracy of the bankruptcy # XXXX, it was removed from my credit report. 

When I received this letter, I immediately uploaded the evidence that the bankruptcy was removed to their website XXXX. I was then advised that I needed to open another dispute with XXXX which I did. I have submitted numerous disputes, but the most recent was done on XX/XX/XXXX and on XX/XX/XXXX XXXX replied AGAIN and states that the bankruptcy was certified as accurate by LexisNexis. 

I contacted LexisNexis again on XX/XX/XXXX and they advised that there is no bankruptcy showing on any of my credit reports, and they do not understand why XXXX is saying this. They advised they would open a manual dispute again, but I advised this is not solving the problem and I would file a complaint. 

XXXX uses LexisNexis to verify bankruptcies that they add to your credit report, but would not honor the supporting evidence from the same company to have this bankruptcy removed. It is not fair that I have to suffer through this when I have done everything I can as a consumer. I have no other choice but to submit a complaint as there should be better communication between the two entities. 

This complaint is being submitted because when I call both companies, they both tell me to call the other party when it is their job to get this information removed immediately. I am filing this complaint in lieu of seeking legal representation. I want to get this matter resolved immediately, as this issue is having an enormous impact to my credit report. I have proved all of the necessary documents asked of me from XXXX, yet they are choosing not to do the rightful thing, and that is to remove this negative item. 
Attached you will find a copy of the resolution letter from LexisNexis dated XX/XX/XXXX that confirms they removed the bankruptcy, but XXXX is refusing to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING THIS COMPLAIN WITH EXPERIAN AND XXXX, I HAVE TRIED SEVERAL TIMES TO REACH OUT TO THEM SENT THEM ALL NECESSARY DOCUMENTS, AND EXPERIAN XXXX  REFUSE TO REMOVE THE ACCOUNTS FROM MY CREDIT REPORT, I HAVE SUBMITTED MY FTC IDENTITY THEFT REPORT, THEY HAVE NO PROOF OR SIGNATURES THAT THESE ACCOUNTS BELONG TO ME, I AM A VICTIM OF IDENTITY THEFT, THEY BOTH ADVISED THAT THEY DO NOT COMPLY WITH FEDERAL REGULATION SECTION 605B IN THE FCRA. THEY STATED THEY HAVE THEIR OWN RULES AND PROCEDURES AND THEY DO NOT COMPLY WITH FEDERAL RULES AND REGULATIONS. SUBMITTING ACCURACY WITH NO VIABLE EVIDENCE DOES NOT CONSTITUTE THAT I AM THE OWNER OF THE ACCOUNT. I HAVE TRIED SEVERAL TIMES REACHING OUT TO THEM AND THE CREDITORS WHO ARE XXXX AND XXXX XXXX. I AM SICK AND TIRED OF REACHING OUT TO THEM AND BEING THROWN AND TRANSFERRED FROM ONE DEPARTMENT TO ANOTHER WITH NO FINAL RESOLUTION. I AM SO FUROUS AND FRUSTRATED AND DO NOT WISH TO DEAL WITH THEM ANYMORE, ITS ENOUGH TO SAY THAT THEY DONT COMPLY WITH FEDERAL RULES AND REGULATIONS THEY ONLY COMPLY WITH THEIR COMPANIES RULE AND PROCEDURES, AND I EXPLAINED TO THEM BEFORE YOUR COMPANIES RULES AND PROCEDURES YOU MUST COMPLY WITH THE FEDERAL RULES AND PROCEDURES. THIS IS HORRIFIC CUSTOMER SERVICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00}
Product: Credit card or prepaid card

Company closed my XXXX XXXX XXXX XXXX XXXX account without warning or consent due to reporting agencies. I did not change anything on my credit report, so there is no reason why they should have closed the account. I have had this account for 3+ years and this has negatively affected my credit score. Also, a representative attempted to collect payment without even notifying me that the account was closed. Informed me that I must apply all over again, which did not work and dinged my credit once again.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am requesting to be verified or deleted : XXXX XXXX XXXX ( Account # XXXX ) Late payments reported in XX/XX/2024, and a charge-off for {$5600.00} with a {$7100.00} past due balance. Please verify the payment history and charge-off status. 

XXXX XXXX ( Account # XXXX ) Late payments reported in XX/XX/2024, and a charge-off of {$7600.00} with a {$7600.00} past due balance. Please verify the payment history and charge-off status. 

XXXX XXXX ( Account # XXXX ) Late payments reported in XX/XX/2024, and a Charge-off of {$8000.00} with a balance of {$8000.00} past due. Please verify the accuracy of this information. 

XXXX XXXX ( Account # XXXX ) Late payments reported in XX/XX/2024 and a Charge off of {$3700.00}. Please confirm the accuracy of the collection status and details. 

XXXX XXXX ( Account # XXXX ) Late payments reported in XX/XX/2024, and a Charge-off of {$3200.00} with a balance of {$3200.00} past due. Please verify the accuracy of this information. 

If these accounts can not be verified, I request their immediate removal from my credit report. Enclosed are supporting documents, including my credit report with the disputed items. 

Please complete your investigation within the 30-day timeframe required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : Credit Report Supporting Documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE COMPANIES KEEP LETTING PEOPLE PULL MY CREDIT, XXXX INQUIRIES? WHO DOES THAT? IVE CALLED THEM TIME AND TIME AGAIN THEY WONT REMOVE THEM XXXX These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  XXXX Inquiry date XXXX XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX  XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Your XXXX  credit file is unlock
Product: Credit reporting or other personal consumer reports

I am writing to dispute the removal of my account from your credit reporting database. It has come to my attention that XXXX XXXX is no longer reporting my account information to the credit bureaus, which has negatively impacted my credit profile and ability to access credit. 

My account with XXXX XXXX has been in good standing for several years and I have consistently made on-time payments in accordance with the terms of the agreement. However, I recently discovered that my account information no longer appears on my credit report, leading to a decrease in my credit score and potential difficulties in obtaining credit. 

The removal of my account from the credit bureaus ' reporting system is inaccurate and unfair, as it does not accurately reflect my credit history and responsible credit management. It is essential that my account information is accurately reported to ensure a fair assessment of my creditworthiness by potential lenders and creditors. 

I respectfully request that you investigate the matter and reinstate the reporting of my account with [ Company Name ] to the credit bureaus. I have attached relevant documents, such as account statements and payment history records, to support my claim and facilitate the resolution of this issue. 

I appreciate your prompt attention to this matter and request that you provide me with written confirmation once my account information has been reinstated in your credit reporting system. Please contact me if you require any further information or clarification. 

Thank you for your assistance in rectifying this situation and ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.