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

On XX/XX/XXXX, I mailed out letters to all ( 3 ) major credit bureaus, following FCRA Section 609, which provides me, a consumer the right to dispute any inaccurate information on my credit report. Correct name, address, and phone number. 

If the credit bureau finds any errors, then the credit bureau must remove them within 30 days and notify me, the consumer. If the credit bureaus can verify the accuracy of accounts, correct name, address, and phone number, the credit bureaus still must notify me, the consumer. 

The FCRA Section 611, provides me, the consumer with permission to follow up and refute accounts deemed verified. This requires the credit bureaus, to reinvestigate these unverified accounts and remove them after 30 days.

Following FCRA Section 623 deems it a violation to Report information with actual knowledge of errors. The consumer, 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.

I am contacting you concerning old and outdated information that is appearing on my credit reports. According to the Fair Credit Reporting Act ( FCRA ), negative information can only appear on my credit report for 7 to 10 years, depending on the item. These are the items in question.

I request you verify and remove any old and outdated accounts. Once you have completed any corrections, please send me a new credit report reflecting the updated information. 

As I have not heard back from you in over 30 days regarding my notice of dispute dated XX/XX/XXXX, and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : I understand that under U. S. C. Sec. 1681i ( a ), the credit bureaus must complete this investigation within 30 days of receipt of this letter and send me the updated report showing your compliance with the FCRA Laws and METRO 2 Reporting Standards as well as these accounts removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed in XXXX unauthorized inquiries and multiple accounts that are not mine and several others that I was never late on. Also one account marked chapter XXXX which is wrong. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.
Product: Debt collection

" I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. "
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 
15USC 1681 Section 602 states that I have the right to privacy.

15USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

16 U.S. Code 1681a- Definitions, rules of construction Exclusion-Except as provided in paragraph the them " consumer report '' does not include-any report containing information solely as to transactions or experience between the consumer and the person making the report.

15USC 166B : A Creditor may not treat a payment on a credit card account under an open end consumer credit card plan as late for purpose.
Product: Debt collection

I received a collection notice from North Shore Agency for {$29.00} for a subscription to XXXX  XXXX magazine. I do not subscribe to this magazine. The letter offered an " opportunity '' to resolve the account and receive the full benefit of the " subscription order placed ''. No order was placed.
Product: Debt collection

Dyck Oneal has repeatedly called us and threatened to take us to court over and over again for years. Their collection tactics are abusive. They are still on our credit report without a judgement ... just threats and harassment. Everything has been documented. They have violated FDCPA several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX  and XXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}
Product: Payday loan, title loan, or personal loan

I live in Northern VA, work in XXXX a single mom of XXXX need the extra cash to pay something up in the house I initially got a loan for XXXX dollars and I paid off XXXX and of a XXXX dollars I owed XXXX cent but then they called and said hey we can give you a loan for XXXX, well I said ok my oldest daughter was leaving for college so this would help, but they deposited XXXX in my account, which technically with the remaining balance of my XXXX dollar loan, that would only total XXXX dollars not XXXX, so the amount given is a lie as well and with all my payments I have paid them a total of XXXX dollars. Which in the state of Virginia Net Credit operated without a license in Virginia. Virginia law caps the interest rate on loans at 12 percent per year unless a lender qualifies for an exception, but NetCredit is being sued and loans are being disputed as illegal because their interest rate ranged from 34 percent to 155 percent and that is not legal in VA, so if we went with VA interest rate on a XXXX loan I would owe only XXXX but technically since I only received XXXX my interest rate on this loan based on VA laws I would only need to pay a total of XXXX, for which again I have paid them at total of XXXX and they have reported to the credit bureau that I was late and owe almost XXXX, they should not be report and I sent them information stating that have paid them in full based on VA law and actually they owe me money back and because they are using Utah law they are not willing to work with anyone and keep pushing interest onto the loan and are using illegal practices.They have also been harassing me with phone calls and my place of work who has told them to stop calling but the persist on calling. I will attach my payments from my bank and the lawsuit that is ongoing.
Product: Mortgage

We applied for a Home Mortage with Bank of America. We got approved and submitted all the paperwork they were asking for. Each week they came out with a new excuse why we couldn't close. Each week we had to submitted the same paperwork we had submitted because somewhere in between it got lost. They had said it was going to close XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, then next week, week and that was their excuse. We started with one agent then another then another then another. We have almost perfect credit and everything we have is paid. We were in the original contract from owner to owner to but the home. We started getting charged rent because we couldn't close. This was after being approved. In the end they had someone else call us and deny us from something that didn't make sense. Saying we had too much debt. When our debt is only XXXX per month. And we had been approved for a lot more than we were asking for. So in the end our credit got hurt, we lost the house, had to pay rent for something that wasn't even our mistake. Bank of America is the worst at Mortgages during this time and can not answer calls and just give you the around round. People finance should not be a joke the way we were treated was the worse. I withdrew all my savings and checking because I do not want anything to do with such an awful bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the XXXX  credit card also XXXX XXXX credit card also XXXX and the other so I disputing 4 on my report I was incarcerated for a period of time some people got ahold to all my belongings I need these things off my report they my info was lost and used at that time I was. Gone away from my home. Identity theft was involved.
Product: Credit card or prepaid card

On XX/XX/2019, I made a referral via email to my husband from my XXXX XXXX Rewards card. My husband chose the XXXX XXXX XXXX card. After 4 weeks, I chatted with American Express to inquire when the referral bonus would post. American Express then acknowledged that the referral had been captured and to wait an additional 2 weeks and that they would open an investigation. I have checked back every 2 weeks, and each time there has been excuse after excuse of why the points have not posted. 

4 weeks ago, I was told the reason the points had not posted was because my husband chose a different card than the one referred from. This is false as it says right on American Express 's website that the receiver can choose any card they like. The chat representative then backtracked and said they'd escalate the investigation. 

Today, I chatted with American Express and was escalated to a supervisor. The supervisor said that the points were not applied because my husband chose a different card. This is unacceptable for the representatives AND supervisors to not even know their own policy on referrals. I sent their own website to the supervisor and she said would open a NEW investigation taking another 6-8 weeks. 

American Express offered a referral bonus of XXXX points if referring from my XXXX XXXX Rewards card. I referred from the card to my husband, he was approved. The referral happened and was captured on XX/XX/2019. It is now XX/XX/XXXX, and I'm being told to wait until the end of XX/XX/XXXX for something that should have been handled within a week or so. American Express, please manually credit me these points so I can be satisfied with your service once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and notice these fraudulent inquiries. I don't have any idea why they were listed on my report. This is FRAUD!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX In response from XX/XX/XXXX XXXX, Transunion and XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my mailing address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX XXXX ( I have never gone by XXXX XXXX or XXXX XXXX XXXX XXXX I don't know who that is ) My Only and Correct date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX I do not wish to have any telephone numbers on my report. 

Please review all the other addresses and names off of my reports as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

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

XXXX is reporting a student loan account with an incorrect original delinquency date, which is preventing it from aging off of my credit report. The account was originally under XXXX ( see attached statement from XXXX, page 2, under lender details ) in XXXX. It went into repayment per the promissory note in XXXX, and it has never been paid or brought current. From XXXX I was in chapter XXXX bankruptcy. XXXX purchased the loan & re-aged the account after my chapter XXXX bankruptcy plan was completed, and is reporting the account with an incorrect original delinquency date of XXXX. The account is scheduled to be removed in XXXX, but it should now be deleted due to its age. 
I have attached the account statement & my chapter XXXX bankruptcy documentation. 
I notified the creditor in writing with no response after 90 days, then reported to credit bureaus and have received no resolution after 30 days. I do not agree that I owe this debt, the account is over the statute of limitations in my state, and the account has been reported as delinquent on my credit report over the maximum reportable time per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the XXXX XXXX XXXX and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of XXXX  # XXXX Date XXXX Balance {$0.00} XXXX XXXX XXXX # XXXX Date XXXX Balance $ {$640.00} XXXX XXXX XXXX # XXXX Date opened Closed. {$1200.00} written XXXX # XXXX Date XXXX Balance {$1100.00} XXXX XXXX XXXX # XXXX Date XXXX Balance $ {$48000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Date XXXX Balance {$0.00} XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Open {$1200.00} XXXX XXXX XXXX XXXX Open XX/XX/XXXX Balance {$370.00}
Product: Checking or savings account

XXXX partners with XXXX for deliveries. 
I contacted XXXX about spoiled deliveries and they told me I selected contactless delivery when I in fact did not. No text messages or notifications the order was on its way were sent to me at all whatsoever. 
{$80.00} worth of groceries spoiled. 
I've contacted XXXX multiple times and they say they can't help.

I've contacted J. P. Morgan Chase Bank to do a chargeback and they refuse just like the merchant, they're telling me to contact the merchant.

Who do I get my {$80.00} back from? This is insane. 

Additionally, the XXXX app is glitched, I'll attach a screenshot, this was taken around daybreak of the day after the initial order.
Product: Credit card or prepaid card

On Monday, XX/XX/XXXX I received notification that my payment of {$400.00} had posted to Capital One and verified that the full amount had been pulled from the my other bank, XXXX XXXX XXXX. For two days though ( it's now XX/XX/XXXX ), I have had no access to the {$400.00} I transferred over, despite the fact that it said the payment had posted and NO other payment I've ever made to Capital One, no matter the size or other institution, has ever made me experience a delay. 

When I called in today to see why the payment was pulled from my other bank but I had no access to the funds through Capital One, I was told that Capital One sometimes, but not always, puts a hold on transfers like this one and I wouldn't have access to my funds until XX/XX/XXXX ( another six days ). 

If I had known I wouldn't have access to my funds for over a week, I wouldn't have transferred them. But at the time of the transfer I was NOT notified of a potential hold, and when I asked to either have the hold removed ( since it can be added, logic would suggest it can be removed ) or transferred back to my other bank so I can actually USE MY MONEY, I was told neither of those was an option. 

So basically I transferred money ( which I've done several times from different banks ) and capital one arbitrarily decided to put a hold on it for over a week, with absolutely no assistance. I would like this issue resolved immediately. Banks can not just take someone's money and then restrict access to it without letting them know that's a possibility. That's absolutely not right and needs to be rectified immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I called PNC XXXX department to make a contribution to my XXXX of {$250.00}. At that time, the representative told me that my contribution should be added to my account in 3-4 days. After almost two weeks, the money wasn't taken out of my checkings. Today I called to see why it hadn't been contributed. They asked me if I had a job. I told them that it was none of their business. They said they had to ask me that and informed me that I couldn't make a contribution to my XXXX unless I was employed. They should have told me that on XX/XX/XXXX. 

I don't know if you handle another type of complaint or not, but at the time of me openings the XXXX with PNC, I received no opening paperwork and had to list a beneficiary. When I asked my branch manager who my beneficiary was, at a later date, she listed 3 incorrect people.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 section 602 A. states that I have a right to privacy. 

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

15 U.S.C. 1666B says a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please update these accounts to show no late payments or remove these accounts from my report
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Unauthorized Accounts Account name : XXXX  XXXX Account # XXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX  XXXX Account # CAJVXXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX BANK XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX 
Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX Account # XXXX has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) According to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to 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

BP Credit Cards were issued by XXXX. XXXX has been replaced by Synchrony-offices in XXXX and XXXX, XXXX. With XXXX, we were set up to have our monthly balance automatically subtracted from our checking account. With XXXX, we received our first statement, with a late fee of {$25.00} and a interest fee of {$7.00}, on a balance of {$790.00}. Our account number is XXXX. I contacted Customer Service, XXXX times. First the fees were dropped, then I was told how to register my account, on a site, to have the balance taken out automatically-this does not work! Another call told me that I would receive a XXXX card, between XXXX XXXX and XXXX XXXX. I could then register the new card, with the XXXX digit number. My concerns are : ( 1 ) what if I had not contacted the new bank-I would have paid unnecessarily and my credit rating would drop, ( 2 ) I plan to be XXXX XX/XX/XXXX-if I do not receive the statement in a timely manner, will I again receive a late charge and interest charge? This could also damage my credit rating. ( 3 ) Is this the best way to do business? You receive late charges, with damage to your credit rating, and you do not have the tools to make the corrections. How much money is collected by banks that automatically charge fees which you can not avoid, since you do not have the correct tools to stop the problem?
Product: Student loan

Over the past six months, I've been trying to fix the incorrect personal information on my Nelnet to put myself into student loan repayment. 

I graduated in XX/XX/XXXX ; however, my Nelnet account says that I am currently in school and will graduate in XX/XX/XXXX, which is incorrect. As a result, I am in in-school status and am unable to make qualifying payments for PSLF. 

I first attempted to resolve this situation in XX/XX/XXXX by calling Nelnet. Unfortunately, I was unable to reach a representative the first XXXX times that I called due to hours-long wait times. As a result, I wasn't able to reach a human being on the telephone until XX/XX/XXXX. When I did finally reach a representative, she had no idea how to effectively fix this issue, and instead suggested that I call the university that I graduated from, XXXX University, to see if they had submitted the correct paperwork documenting my graduation. 

I called XXXX and received confirmation from the XXXX XXXX XXXX XXXX XXXX that they had submitted the document recording my graduation twice ( once in XXXX and once in XXXX of XXXX ) to the federal office that oversees the distribution of these forms. I then attempted to call Nelnet back which - once again - took weeks, due to the hours-long wait times. In XX/XX/XXXX, I found the time to sit on hold for XXXX hours and reached a human representative, who told me that I should wait for the situation to rectify itself instead of making payments on my loan while an incorrect in-school status. 

Because of Nelnet 's negligence, I have yet to be put into an administrative pause which is allowing incorrect interest to accrue on my principle balance.