23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXXXXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I spoke with XXXX, XXXX XXXX. He advised me that the XXXX reps lied to me and also refused to opening a billing dispute. 

On XX/XX/XXXX, I was advised via email that they would not review the billing error. 

On XX/XX/XXXX, I was advised that the person I spoke to lied to me on XX/XX/XXXX and they did not open the billing dispute. I was advised again they would open the dispute. 

On XX/XX/XXXX, I called back and I was advised that the rep would open a billing dispute. 

Throughout the month of XXXX I made many calls to Optum. I advised of billing errors. They advised me that they do not review billing errors and that there is nothing they can do.
Product: Student loan

I took out my student loan for my graduate studies ( XXXX ). Please see attached document for the payments, amount applied to loan and amount applied to interest with dates. 

My parents helped be a large portion of my loan payments throughout the years as I did my Masters ( XXXX ) and Ph.D. ( XXXX ). The loan was transferred to First Mark Services on XX/XX/2021. 

The amount we have paid on interest is incredibly high compared to the price on my loan, which is very unfair given that I was a student for many years throughout that period, the pandemic, family illness, and recent death and economic hardship has effected this too. I was consistently given the advice to request forbearance/deferment as the only possible options, which I did because it was the best given my economic/personal situation. Even recently, the only option I had was to commit to a high monthly payment in the future. 

Recently, I requested First Mark Services to send over the document I have attached to this complaint and I calculate that I have paid more in interest on the actual loan. In fact, the amount I have paid in interest accumulates to a large portion of the original loan itself. Something that is very unfair, confusing, and should be an illegal practice especially on education.
Product: Checking or savings account

On XX/XX/XXXX of XXXX, around XXXX in California , two transactions where done on my Chime checking account with out my approval or knowledge of the purchase until I got the notification. The transaction where down at a XXXX for XXXX and XXXX until my checking account was XXXX. I informed chime right away regarding the transaction as it happen. They informed me they cant do anything until the transaction is posted after 3 days. On the 3rd day, when the transaction was posted I fill the dispute with Chime bank. They ask me all the questions of what, when and how. I explain ; I was in my California apartment when I got the notification. They than informed to send and proof of your apartment address. I did! A copy of my lease and utilities bill. They gave me a the Spiel of there policy, it will take up to 90 days to investigate and in 10 days you will get a credit. I said ok.

On the second day after they closed my dispute with our notification, I called them to see what happened, and they closed due to not receiving notification. I said thats wrong I did. So then they send me a email to send the documents. So they could open the case again. And they open the case again. On the 9th day I called them to see whats going on. And they said tomorrow, you will get the credit. I said great! The next day, they denied my case. I called and ask for explanation, they just say my case was denied no reason. I said open up Investigate and they open up again a 3rd time. 10 days later again, a denial. The 4th time opening up the case, I send a copy of my car gps that day. And my driven record that day with the make and model. Saying, its impossible to waste almost XXXX dollars of gas in myVehicle. They apologized! And gave me an excuse to open up the case again. As of today XX/XX/XXXX, they closed my dispute and ask to reopen the case again. I had them open the case 5 times already for my money. Chime says its the bots that do the Decisions.
Product: Credit reporting or other personal consumer reports

Paid Collection of {$350.00} to XXXX XXXX
Product: Credit card

I called Chase credit card customer service in the month of XX/XX/year>. I noted to them I was getting " Important information regarding changes to your Chase account '' sent to and old email address and it does not match the email address that I have on the Chase online portal. During this call, it was noted that they " fixed this issue ''. 

Days later, I have 2 issues : 1. I'm still getting emails sent to an email address that doesn't match the email associated with my credit card accounts. 

2. I'm getting emails sent to me on closed accounts. 

Both of these items need to be addressed. There's a deeper IT issue and the CSR 's don't have the tools to fix a technical issue within the Chase systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous time to have this company remove the false information from my credit report and they continue to report them. I have told them on numerous occasion to validate these reports and send me all the contact info and names of individuals supplying the information and they continue to ignore my requests.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and any inquiries that are connected to any of these accounts need to be blocked and deleted by TRANSUNION
Product: Checking or savings account

On XX/XX/XXXX, I received an email welcoming me to TD banks. Two days later, I received a welcoming letter to include a debit card and savings account information. I called TD Bak immediately, and they informed they would do a thorough investigation and close all accounts in my name. It is XXXX, and the accounts were never closed, and TD Bank never called me or sent the required documentation showing the status of the investigation. I believe TD Bank in XXXX ; PA used my information to fraud open accounts to make sales, and a Federal Investigation should take place, and I should be paid for Fraud.
Product: Debt collection

my personal information was used at XXXX  XXXX XXXX college to receive financial aid for classes I have never enrolled or attended classes at the institution in question and a {$1500.00} debt was placed in collection on my name I have contacted the institution and they notified me of the fraud and have notified the debt collector of the fraud and online classes was taken from a person in Florida I do not reside in Florida nor have I ever been to Florida I live in Washington state and had no prior knowledge to the transaction until XX/XX/2019 when checking my credit report I spoke with XXXX XXXX at XXXX  XXXX and she notified me on my steps to take in getting the collection off of my account and getting a police report filed for fraud this collection has effected my credit score and has made things very difficult to me as a XXXX year old student which is why I am filing this fraud report to retain my information and clear up records of fraudulent behavior
Product: Credit card

I have an ongoing credit card relationship with US Bank. There are two interest rate tiers on my credit card account. The first is an interest free balance transfer that has no interest promotion until end of the year 2023. There is also a second balance tier that had an interest rate promotion that expired in XX/XX/2023. 

Per the CARD ACT, in the application of payment provision of this act, any additional money that the consumer sends in excess of the minimum payment MUST be applied to the highest interest rate portion of the account. 

However, US Bank is posting my excess payments to the interest free portion of the bill and at the same time charging interest on another portion of the balance and not applying any of my additional payments to this portion of the bill. This appears to be a clear violation of the CARD ACT. 

In my example the interest is nominal, BUT if this behavior by U.S. Bank is widespread this could be a rampant violation of the law by US Bank, costing consumers millions of dollars a year due to their ongoing violation of the CARD ACT by U.S. Bank. 

I have attached three monthly statements of my account showing the balances and the payment posting history. It is only the most recent XXXX statement that shows the improper interest being charged. The prior statements from XXXX and XXXX are showing you how my excess payments are being posted to the balance with no interest but nothing applied to the portion that has interest being charged. I have also attached a summary of the CARD ACT and specifically reference the 'Application of payments ( payment allocation ) ' on page three that US Bank is violating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account ( US Dept Vets - XXXX ) was paid in full on XX/XX/2020 in the amount of {$610.00} and this account was supposed to be REMOVED from all reporting agencies after payment! Yet Experian, XXXX  and XXXX  continue to report this account as an OPEN, Past Due Collection account after almost a year of being paid satisfactorily! This account is NOT supposed to be reporting! I've mailed in several dispute letters requesting the account to be deleted and its still reporting and inaccurately at that!
Product: Money transfer, virtual currency, or money service

This complaint is about XXXX ( parent company : Coinbase ). 
On Sunday XX/XX/XXXX, I made a deposit via Coinbase to my XXXX account. Deposit reference : XXXX. The deposit was successfully completed on XX/XX/XXXX at XXXX XXXX. My XXXX/Coinbase account details are : Email : XXXX Name : XXXX XXXX XXXX : XXXX Everything was working fine until XX/XX/XXXX when I tried to login to my XXXX account, I was presented with this message : " Attention required! Trading functionality has been temporarily suspended on your XXXX account. In order to restore trading functionality, please contact XXXX '' I couldn't login to my XXXX account. By that time I had exactly {$1500.00} stored in my XXXX  funds/account. So I emailed XXXX support on XX/XX/XXXX at XXXX PST. I received generic response from the company saying my problem will be looked at. I waited for a week or so and called XXXX via phone on XX/XX/XXXX, I was told that my ticket will be escalated so it can be resolved. After waiting for a week or so, I called again because nothing was happening to my case. Now, today, it is XX/XX/XXXX, it's been more than a month now since I have been waiting to get my funds ( {$1500.00} ) back from XXXX and I haven't received my money, and I still can not login to my XXXX account. Whenever I call the company, they give me a generic response with no timeframe. I would like my funds back as I really need them. I hope after this complaint, my issue will be resolved. Thank you.
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. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries 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 a 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: Credit card or prepaid card

I have credit card with Capital One. For some reason, even if you pay before XXXX  on the due date, you are penalized ( charged a late fee ) and your credit score is damaged if you pay after XXXX XXXX. It is absurd that you are not given the entire day to make your payment.
Product: Debt collection

In XX/XX/XXXX, I had XXXX XXXX and was billed by XXXX  {$300.00}. I tried to make payments ... and paid $ XXXX XXXX  stopped sending statement and sent debt to Credit Services ... .who claim to have sent me numerous written notices. I argue they did NOT. I paid the balance only after an accidental finding of the debt on my credit report ... XXXX a contact phone number, and I paid in full {$220.00}. over the phone. They have now damaged my credit with no written warning. Had they sent me what they claim to have I would have paid the bill then. Thank goodness I found it when I did before applying for credit somewhere. 
It is the ONLY derogatory report in 21 years ... following numerous XXXX and large medical bills that have ALL been paid in full. 
This is SOOOO frustrating. While polite on the phone, they suggest I send a fax with complaint per a supervisor but stand by the 'written communication ' dates and suggest I check with my Post Office. I have lived at this address for 8 years. A letter could be lost in the mail, but not the over 6 they claim to have sent. 
They also had my daughter listed as the contact number instead of my number. Bizarre. Now, I pay the damage for their errors. Incredibly unfair.
Product: Money transfer, virtual currency, or money service

during XXXX  I got very sick and needed help to pay my medical bills this is why I set up a paypal fundraiser. once I had received a few donations paypal did block my account. they stole the whole money! I was not able to get medical help because of this. they put me in a very bad situation and I did suffer a lot. in total the theft is {$3500.00}
Product: Credit card or prepaid card

I am going through a financial hardship. Capital One the credit card company of which I hold two cards refuses to work with me. After speaking with them over the telephone and having my attorney write them a letter with my terms/ payment plan they refused to except those terms. My attorney advise me the only thing I could do is wait until they sue me and appear in court to tell the judge what is happening. My credit score is plummeting quickly and I have only missed three payments.
Product: Credit card or prepaid card

On XX/XX/XXXX, I used my Capital One Quicksilver card to pay for a hotel room in Indiana through my phone on Apple Pay. I went to XXXX to purchase some needed items, and when I tried to check out, my Quicksilver card was declined even though I had {$500.00} in credit. I called Capital One to figure out what happened with my account. I was told that they suspected fraud on my account after I used my card for a hotel room using XXXX XXXX, even though I've done this before with no issue. I asked then what's the reason and never given any, but I was told that I'd need to send in my drivers license and social security card. I never felt comfortable with this as I never needed it to get approved for the account. A month goes by and I call again to find out that I now need a bill with my name on it. I finally sent a copy of my drivers license, social security card, and a bank statement. After a week, I was told that sending in my bank statement wasn't good enough, even though that was what I was told over the phone, so I sent over my car registration. I get told this first week of XXXX, that now I need to send some residency information. This is too much, and I'm done with it. I don't need this much to even get a drivers license. As of today, XX/XX/XXXX, I still don't know why a fraud claim was put on my account, and the last representative told me that they can't tell me anything that's going on with my account.
Product: Debt collection

On XX/XX/year> I received a letter in the mail dated XX/XX/year>, reference # XXXX, stating that " there is an account under my name with XXXX XXXX  with account number XXXX. '' That is completely inaccurate, and is absolutely fraudulent and criminal activity. I have never opened an account with " XXXX XXXX  '', nor have I ever heard of that " bank '' before. I wish to formally dispute this fraudulent claim as I do not have a debt or account with " XXXX XXXX  ''
Product: Mortgage

My bankruptcy was discharged a few years ago and I included my home in Washington XXXX in the bankruptcy. Bank of America continues to send me statements and letters. I sent a Cease & Desist letter last month asking them to not contact me anymore by mail or at all as it brings up bad memories and the stress of having to let my home go. They continue to send me statements. I am beyond stressed and frustrated with them. I have anxiety and have to be on medication for it. By law I thought they have to stop sending me these items if I request in writing for this to be done.
Product: Payday loan, title loan, or personal loan

I'm currently struggling on paying some bills so I went to XXXX XXXX company which helps out people with different creditors to settle on a certain amount so I don't have to pay all of it back. They are currently trying to settle with Lendmark and I understand why they are calling me constantly to make a payment because I haven't but I had already told them to not contact where I work and they continue to. I find it disrespectful and thank XXXX I haven't got fired because they call almost everyday. I had spoke with a lady at Lendmark telling her to not contact me at work and she has other people calling from Lendmark and she should of passed the message to them as well. Also, they contacted my mom the other day asking to verify my employment and I don't appreciate that. I'm waiting till they settle on a agreement but until then I don't want them to contact me at work.
Product: Debt collection

Debt was paid to another collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX. XXXX XXXX # XXXX and XXXX each for {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX, on XX/XX/XXXX, CITIBANK NA/XXXX  ( the report does not include information about the creditor ) and on XX/XX/XXXX, XXXX XXXX XXXX XXXX ( the report does not include information about the creditor ) add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not authorize these inquires on my report ive aldready tried to solve this problem with the creditors
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my filing of this complaint is that this company is still reporting an account that It has fully failed to validate as required by the FDCPA. I first requested validation of this company account on XX/XX/XXXX.  And until today I am yet to receive any validation response that I had requested. As a result, I am preparing to file a lawsuit against this company should they fail to remove this unvalidated account from my report as soon as Now. BELOW is the unvalidated collection account that I need to be removed from my report ASAP : ACC XXXX, Date Opened XX/XX/XXXX, Original Balance {$610.00} I am attaching for your reference : 1. My earlier request for Validation I sent to this company 2. My small claims form prepared to proceed with court filing in case they fail to delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit agency will not update my personal information correctly they are not following my consumer rights. I mailed 2 letters they updated both times but still left information that does not belong on there because it is inaccurate. The names on my report is inaccurate cause they are not spelled right. The address on my report is inaccurate, cause I DO NOT live there anymore, I am not reachable at the other addresses, I would like to prevent identity Theft. Also I no longer work for that employer.
Product: Credit reporting or other personal consumer reports

My report includes unauthorized inquiries, which breach 15 USC 1681b ( c ) ( 2 ). These are harming my credit score, so I ask for their removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing today to get help with incorrect information on my XXXX, Experian and XXXX Credit report. I have reached out to all these agencies via online dispute and telephone and asked they remove inquiries that I did not request or allow, to this day this has not happened.

Please remove inquires from these companies immediately as they are inaccurate and damaging my credit score : XXXX XXXX, dated XX/XX/2021 XXXX XXXX dated XX/XX/2021 XXXX XXXX XXXX dated XX/XX/2021 XXXX XXXX dated XX/XX/2021 XXXX XXXXXXXX dated XX/XX/2021 XXXX XXXX XXXX XXXX XXXX dated XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX, dated XX/XX/2021 XXXX XXXX XXXX  dated, XX/XX/2021 XXXX XXXX XXXX XXXX dated XX/XX/2021 XXXX Companies dated XX/XX/2021 XXXX XXXX  dated, XX/XX/2021 XXXX XXXX dated XX/XX/2021 I did not give any of these corporations permission to request a credit report and have asked these agencies to remove this information asap, this has not happened. 

Please help me solve this issue. Thank you
Product: Credit reporting or other personal consumer reports

These inquiries were not authorize by me : XXXX Inquired on XX/XX/2023 XXXX XXXX  Inquired on XX/XX/2023