23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am seeking assistance with collecting damages from Bell Bank. I have banked with them or a few years no problem. One 'manager ' is going to great extremes in the call center to protect his supervisor. He calls me up, like today and interrupts my work at the office to 'review " prior phone calls. He claims I was upset, and he was 'standing behind " his supervisor. XXXX keeps threatening to close my account because I ask any question. XXXX is harassing me as I have never called back to customer service. He watches my account and calls me up to 'remind ' me how XXXX ' I should be when I call Bell Bank and argues with me when no assistance was requested. My returns to my card were not refunded. XXXX XXXX XXXX, XXXX Overdraft on return rent payment thanks to XXXX. XXXX for XXXX XXXX  Dispute, Open amount for damages including emotional distress and harassment by XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax exposed personal credit report information to unknown sources.
Product: Consumer Loan

I took a loan out and was charged 350.97 % which is an unreasonable amount of interest
Product: Credit card or prepaid card

I have been receiving unwanted mail directly to my address for several years now. Weeks ago I had called discover and opted out of mail and marketing. With the agent I also made sure my information was erased from their system. Now several weeks later I have received more spam mail to my home address. I just called discover for a second time at their customer service line XXXX ( XXXX ) XXXX and after three transfers and opting out of mail/marketing once again, I was told I might still receive mail. I have never been associated with the company discover in any way. I wish to stop receiving unwanted mail. It is ridiculous how much time and effort I have had to put into this. I just wish to be left alone by discover and for my information to truly be deleted from their system.
Product: Credit reporting or other personal consumer reports

I have a credit card with XXXX XXXX. My statement closed on the XXXX of XXXX. It's now the XXXX of XXXX and my XXXX closing balance of {$3300.00} has not been reported to the credit bureaus. My credit report still has {$7400.00} as my balance. That's a delta of over {$4000.00}. When I initially contacted XXXX they told me that they had reported and it was the fault of the credit reporting agency. I came to find out that they haven't reported. 

This is negatively impacting my credit score and keeping me from making credit moves for my family. I filed a dispute about my balance, with the credit bureau, XXXX responded that my balance was correct. Even though they're still reporting my XX/XX/XXXX balance. 

I need help and I don't know where else to turn. Please help me.
Product: Debt collection

i check my credit report on XX/XX/2021 and notice IC SYSTEMS, INC had a alleged balance of XXXX for me that i do not owe so i responded with a letter of validity of debt for them to send me the information concerning this information.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX Credit card is not reporting to XXXX or TransUnion. The credit card number ends in XXXX. Ive contacted both credit bureaus as well as XXXX XXXX. The account is in good standing. The credit bureaus say that in XXXX XXXXXXXX XXXX contacted them and told them to delete the account. At the time, I was disputing a late payment with XXXX XXXX. Instead of correcting the late payment info, the direction from XXXX XXXX was to delete the account, which XXXX and TransUnion did. Now, the only way the account can be re-inserted is if XXXX XXXX contacts them and have them re-insert it. I have asked them to do so but they said that they are reporting it to the bureaus, which is all they are responsible to do. 

I have been on over a dozen calls with XXXX XXXX, XXXX, and Transunion regarding this issue. I hope that you all can help me resolve this. 



Sincerely.
Product: Debt collection

LVNV funding is false account. I spoke to XXXX when it was with them. they said they address was in the state of Washington.. I notified them i have never even visited that state. XXXX took it off look at my credit report. then 3 yrs later LVNV bought the account is what the LVNV rep i last spoke to said. I told her same story and i have never been to that state. She said it is here in Michigan. i asked for for what address was it billed to? she told me the address.. and billed from XX/XX/XXXX - XXXX XXXX. I said how can that be i did not live at that address. I moved out of XXXX XXXX XXXX XXXX.. I told the rep at LVNV funding this over 2 months ago, sent me papers to fill out and send back so they can do an eternal check. it did not sound sincere. since the bought the account and just changed addresses anyway. The fact i was not even living at this address when they claim i had service : should prove that this is fraudulent report against me. and has lowered my account at least 60 point since they posted it over 3 years ago. please help me clean up this issue. it is not the only one i have had and disputing. My cousin just reminded me he put they XXXX in his name when we renewed the apartment lease. so it can not be mine. 

Check with XXXX XXXX when i Left that apt XX/XX/XXXX. 
XXXX XXXX of XXXX - XXXX Thank you for your time and patience, XXXX XXXX They have another account for me going back to XXXX XXXX XXXX / the LVNV Rep asked me if i wanted to settle this acct today. i am furious.. this is not a joke.. i have never had a XXXX XXXX or any c-card for XXXX not mine again XXXX account. I have have had my identity stolen. check with Unemployment someone collected it for 2 plus years. they will not answer now for anyone.. maybe you? this was back in XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 60 days 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 XXXX XXXXXXXX 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 XXXX
Product: Credit reporting or other personal consumer reports

Re : Disbute of inaccurate and/or incomplete information in the consumer report.

To Whom It May Concern, You are reporting inaccurate and/or incomplete information concerning my consumer reports. Your conduct has caused me distress and financially harmed me with cost and loss opportunity.

The following alleged Public Record you are reporting concerning me is inaccurate and/or incomplete, also unverifiable by you : Re : Reported Bankruptcy Date Filed/Reported : XX/XX/XXXX Closing Date : XX/XX/XXXX I contacted the Court of Record you listed on my credit file, and they confirmed that they neither provide or verify court records to you or to any other third-party. ( See attached ) I then contacted XXXX and informed them of their errors in the reporting and they responded with a letter deleting any and all Public Record notations.

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law.
Product: Mortgage

I had been working with this mortgage broker for over 6 months with a pre approval letter he told me that I qualified for a loan for XXXX. After looking for a home and submitting all the paperwork ad setting a closing date. I do n't get the home that I want. He kept lying to me about my credit, or my debt to ratio, or have n't been on my job long enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently identified that I was a victim of identity theft. I followed the steps that was told to me. I have already contacted the FTC and the police dept. There are still items on my credit is not mine. I'm doing this myself and need your help. 

1. XXXX XXXX XXXX ( XXXX  and Transunion ) 2. XXXX XXXX ( XXXX, XXXX and Transunion ) 3. XXXX XXXX XXXX ( XXXX ) I dont know if you guys can help also with these inquiries I know nothing about. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the Public Records area of my credit reports, I see a Bankruptcy that was last reported on XX/XX/13 to Trans Union. The account now shows closed and with a XXXX dollar balance and as a Chapter XXXX discharge from XXXX with the same XXXX dollar amount balance. I made the mistakes, I paid my dues and I suffered the embarrassment ; I think its only fair to allow me to go on with my financial life with what I have learned only to grow from it. The account was closed, dismissed, and discharged, long enough ago for me to now have a piece of mind. Recently, I tried to make a large purchase for my family and the only thing that hendered the purchase was a Bankruptcy that was unfairly remaining on my credit from years ago that is now PAID IN FULL! The statue of limitations for this detrimental information would be up even if the account were open or still valid. Its time to remove the account and stop the deformation of my financial charter. Thank you.
Product: Mortgage

My loan modification was approved and in the paperwork no payment was owed to approve the modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00XXXX XXXX XXXX XXXX XXXX XXXXnce : {$7900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent Identity Theft letters to all 3 Credit Bureaus for the following accounts that are fraud and were not in any way formed/created nor operated in good faith or in accordance to my Person I.e Theft Identity Fraud : Credit Bureaus XXXX 2.Equifax 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 US SM BUS ADMIN 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
Product: Checking or savings account

On XX/XX/XXXX, my account was positive {$20.00} dollars and {$20.00} in my savings. On XX/XX/XXXX, I was charged with 2 separate {$35.00} overdraft fees and 1 {$12.00} overdraft fee. Despite no extra transactions taking place on XX/XX/XXXX, I was wrongfully charged. The company was Bank Of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reported a charged off credit card in my name on XX/XX/XXXX and continued reporting this charge off every month until XX/XX/XXXX. For those months XXXX XXXX  reported the identical information, in other words there were no updates. Yet XXXX XXXX  continued to provide updates of the identical information every month for those 6 years to the credit bureaus XXXX, XXXX and Equifax. 
I have two questions ; Question 1 : Why did XXXX XXXX  continue to update this charge off from XX/XX/XXXX through XX/XX/XXXX with the identical information, there was no updated information to provide. 

Question 2 : Why did XXXX XXXX  stop reporting this account in XX/XX/XXXX. 

I believe the reporting of identical information although there was no need to do so, was to cause me more harm knowing that the FICO algorithm would score each update of the Charge off as a recent charge off. In other words XXXX XXXX  is aware that updating a charge off from XXXX in XXXX the FICO algorithm will score that as a charge off for XXXX. Causing serious harm to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ic systems inc is not licensed to collect a debt in the state of Florida as i checked and they do not exist. I tried to file a complaint through the Better Business Bureau again this company does not exist. You cant get in contact with them as no one answers the phone. I do not have a contract with them nor have i received any type of communication from them about alleged debt that appeared on my ctedit reports to all XXXX credit Bureaus.
They are reporting fraudulent information and accusations concerning a debt that i have no knowledge of. This is a violation of fcra rights and laws. This is an unacceptable practice that is hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX FCU Date of inquiry XX/XX/XXXX XXXX AUTO Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX AUTO Date of inquiry XX/XX/XXXX
Product: Checking or savings account

I walk into a branch in XXXX after depositing my IRS treasury check. The check cleared after 10 business days I walk into a branch in XXXX XXXX  and withdrew XXXX $ after this happened I start have ongoing issues with Chase. My account was flagged after i withdrew money then Chase states my check had to be verified. If my check wasnt verified how was I able to walk into a branch and withdraw money this was very weird to me. After calling corporate they stated the IRS had to be on a 3 way call to verify the check with Chase. After calling the IRS they stated they dont do that and a regular person would not be able to verify the check Chase would have to go through there verification systems with them. This is my second federal complaint and Im filing one with the OCC also, this mishap on Chase behalf has caused me to be homeless, I was depending on my tax return and the fact that the money was cleared and was able to be withdrawn then a restriction was put on my account doesnt make any sense. At this point Im debating on getting a lawyer involved because this is unconstitutional.
Product: Credit reporting or other personal consumer reports

I filed several disputes for incorrect information and several for collections that I have no knowledge dating back to XX/XX/year>. None of the information was removed or resolved.
Product: Student loan

My name is XXXX XXXX and I currently have federal student loans held by Mohela as of XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and I initially applied for XXXX XXXX XX/XX/XXXX. Minimal progress was made in receiving a clear response of outcome despite numerous calls and emails. 
- XXXX/XXXX/XXXX filed XXXX  request for all loan payments since inception. 
- XX/XX/XXXX provided copies of XXXX waiver applications, XXXX for multiple years, XXXX  transcript, and military orders. Provider denied application stating they could not verify XXXX based on last XXXX numbers provided on XXXX  transcripts and number of hours on application did not correlate to earnings. This did not make sense or seem logical. 
- Provided actual XXXX for XXXX Credit given for years worked. 
- XX/XX/XXXX - received XXXX  requests with XXXX documents. Proof of payments XXXX - uploaded actual XXXX for XXXX Awaiting response. 
My primary complaint is timely truthful communication provided by loan servicer, fairness in application of XXXX  rules as stipulated by XXXX.
Product: Checking or savings account

XXXX XXXX I run a small XXXX XXXX and unfortunately Covid hit my XXXX hard and 90 % of my clients went on hold ( clients choice ) due to the virus and fear! Do to this I was on XXXX and I had to apply for the PPP loans. I never expected when I started my XXXX for any of this to happen and prior to covid my account was in good standing! I have been charged thousands of dollars in fees! THOUSANDS! Yes they waved some ( {$2200.00} last I counted ) in fees since covid hit hard, but then again Ive paid over {$12000.00} in fees to This date XX/XX/2021. Ive explained my experience and Ive asked for help and I keep getting told they can no longer help me. I am aware I got a lot of help during the pandemic because times were hard, but Im also aware that $ XXXX in fees is absolutely ridiculous! I keep trying to get into the positive and keep it there and they keep applying fees. Each fee puts me further and further behind!! Im a single mom, a small Buisness owner and this past almost 2 years has been hard and I need some Help here! Ive given them over $ XXXX in hard earned money just because I went negative or I had NSF a few times. Im doing my best to catch up, and I cant catch up if they keep adding fees and continuing to put me further behind.
Product: Debt collection

The First Complaint to this company FIRSTPOINT COLL RESOURCES is Complaint ID XXXX Submitted to the CFPB on XX/XX/year>. It pointed out the fact that this company is trying to collect a debt for which isnt mine. It stated for company FIRSTPOINT COLL RESOURCES to provide original contract proving that I owed the debt. On this day XX/XX/year> FIRSTPOINT COLL RESOURCES provided no such information. Just a mere account statement which anyone can create. Thus is not sufficient enough to prove I am obligated to this alleged debt. FIRSTPOINT COLL RESOURCES Is trying to cover up there tracks by providing insufficient proof and then closing the complaint with a response. But now I will expose them further with this new complaint. I seek the original contracts for this alleged debt, Details about the original creditor. The original loan agreement that proves my obligation to repay Documentation showing the age of the debt and the original delinquency date. A comprehensive itemization including dates for added fees and interest. 
The collection agency 's license to collect in your state and the information for the state agency that issued the license. This is the information I seek and NO OTHER. Anything else but this information, I will be contacting the Secretary of State about FIRSTPOINT COLL RESOURCES if it continues not send the information thats is asked. Your First Response is now in my records, Your second response will be examined entirely.