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

The current balance is {$8100.00} ; last month 's balance was {$8200.00}. The interim payment was {$250.00} ; {$160.00} went to interest. Within the past hour, I called Synchrony Bank to ask for a reduction in interest and was told that nothing could be done. I was told that the Bank 's practice was to increase the interest charged as the balance increases. How can the balance be reduced under these circumstances. No doubt this method of operation is applied to all of their credit card offerings. This is usury. Needless to say, I have stopped using the credit card.
Product: Debt collection

On XX/XX/2022 at XXXX XXXX, Southwest Credit texted a shared company phone line, XXXX. The line is owned by XXXX XXXX XXXX XXXX and the message was seen by numerous employees of the company. The message read as follows : This message is from Southwest Credit, a debt collector. Call XXXX or visit us online at https : //www.swcconsumer.com Reply STOP to opt-out. 

Clearly they say a debt is owed. The phone number is not owned by me, XXXX XXXX, but is used primarily to contact me for work reasons. But this phone does change hands on job sites for other workers to use and complete parts of their daily tasks. 

As to how Southwest Credit got this number, I have no idea. 

Furthermore, I do not owe a debt to their supposed client, XXXX! Now I am being made fun of at work because of this message. My staff wont trust me. I may lose my job. Southwest Credit needs to rectify the damage it has caused.
Product: Credit card

Was recently taken to court by JP Morgan Chase to collect {$14000.00} and lost. A judgment was ruled against me. 

The company constantly sent me increases in credit although I was struggling to pay my bill. I am retired, a XXXX veteran, and on a fixed income. 

They now threaten to take my vehicle, money from my protected bank accounts. All my income is derived from XXXX XXXX and Social Security. Please assist me in some way.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX is calling me 10-15 times a day as well as visiting my brother, mother and landlord and harrasing them and telling them they must open their garage doors looking for a car that I no longer have due to divorce. They have left notes on the doors of my families homes as well as leaving threatening messages on my voicemail despite the fact that I have asked them numerous times not to continue to contact me or my family. Their debt collection activities are illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Waypoint Resource Group is claiming they have the right to collect a " debt '' for XXXX $ for XXXX XXXX XXXX. This is damaging and is reporting on my credit file. It showed up in the middle of a mortgage transaction which dipped my score more than 60 points! This company does not have rights to the debt as the equipment was returned the XXXX as well as remaining balance paid to XXXX as evidenced by the XXXX balance receipt. As per XXXX the account owner this issue should have been resolved by now and i am severely disappointed that it hasn't been. Myself and my children are living from house to house right now and buying this house is very important to our health and well being. This collection should have never been place on my report. PLEASE remove it as soon as possible. '
Product: Bank account or service

J.P. Morgan Chase Bank have repeatedly acknowledged on multiple complaints in this matter they will not violate confidentiality of accounts relevant in this matter of my assets plus annuity payments plus being I did not have account there was nothing more to discuss. I have opened Chase Bank Checking account but still have not received annuity payment.
Product: Student loan

I have previously filed a complaint and the answer that you didnt dispute it sooner is not acceptable. They are saying when the loans went to them they were {$9000.00} but that is not true.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, XXXX, and Experian for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, Experian used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
2. Failure to Address 1099-C Non-Issuance by a Collection Agency : Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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. Despite my dispute, Experian, XXXX, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations.

Key Violations : 1. Failure to Conduct a Reasonable Investigation : o Experian violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested.

o The use of E-Oscar resulted in an inadequate and incomplete investigation.

2. Failure to Provide Details of Investigation : o Experian failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ).

3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : o Experian, XXXX, and XXXX continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ).

o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Debt collection

I had made a few purchases, only late once during the pandemic. Then after that, they filed bankruptcy and was never allowed to log back on. But he account was closed and put on my credit
Product: Credit card

On or around XX/XX/XXXX I recieved a letter from Kohls stating that Capital One would be taking over all Kohls credit accounts this year and they added a list of benefits along with all your typical credit card fine print. After reviewing I decided I did not agree to these new terms and so called the Kohls credit card company to close my account. It took a couple phone calls due to being hung up on, but i did manage to close the account and then later that month recieved the written confirmation of the Kohls card closing. Forward to today, XX/XX/XXXX, I recieved in the mail a new Kohls Capital One Visa credit card with a limit that matched my Kohls account. It states that this is " for my new account ending in XXXX XXXX XXXX XXXX XXXX. I had already spent well over an hour cancelling this account and am now having to spend even more time on a credit card that wants to charge me a crazy high interest rate if i do use the card. It's more than the discount one recieves for using the card. Not to mention all the other hidden fees and loop holes to charge you where and when they can. Capital One is not presenting themselves to be a benefit to my wallet nor anyone elses from what I've read!
Product: Credit card

I purchased new appliances ( washer, dryer, dishwasher, oven, microwave oven and stove top from Lowe 's on XX/XX/XXXX. I had to return the stove top ( XXXX '' Radiant, {$790.00} XXXX because it did not fit. Lowe 's picked up the stove top on XX/XX/2016 and I was told by Lowe 's XXXX Assistance Team ( XXXX XXXX at a credit would be applied to my Lowe 's Credit Card through XXXX. As of XX/XX/2016, no refund or credit has been applied to my account.
Product: Credit card or prepaid card

From XX/XX/2014 through and including XX/XX/2014 all charges made on my Southwest Credit Card issued by Chase Bank were fraudulent and made by another person. These charges are on Southwest credit card numbers : XXXX as well as XXXX. Chase Bank did not fully check to make sure these newly issued credit cards were being used by me. They disregarded all indications that there were fraudulent multiple transactions with the same amounts and large daily amounts. They willfully and wantonly disregarded for their own benefit turned a " blind eye '' to these fraudulent transactions. The XXXX XXXX New Jersey Police Department has issued a police report signed by Officer XXXX XXXX XXXX and reviewed by Detective XXXX XXXX XXXX. A copy of the police report is attached
Product: Checking or savings account

I make an atm check deposit for the amount of XXXX USD on X/XX/17 XXXX XXXX PST @ a Wells Fargo location. Was never made available to me. Not even ( XXXXusd ) there was no return reason and was adjusted out of my account with the description ATM Dep error. Later after I acquired proof of payment ( POP ). I noticed there was two deposits on the date of XX/XX/XXXX. One was an atm deposit and one was done the branch. both have different account and check numbers. Only one has available image. Wells Fargo has not credited my account for either deposit and claims to have no records of the 2nd counter deposit done inside the branch. advised me to seek legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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
Product: Debt collection

On XX/XX/XXXX Phoenix Financial Services, LLC called at XXXX XXXX claiming I owed XXXX. I apologize that I dont remember the name of the lately I spoke with because it was never clearly stated to me. The debt I owed was also never clearly stated to me. I asked her simple questions regarding the debt. She told me it was from a ER visit back in XXXX. That visit was because I was XXXX assaulted but, was not going to go into those details with her. I kindly explained to her that I had visited that hospital on a couple different occasions and that they definitely has my health insurance card on file. She explained to me they didnt and even if they did it was to late to process the payment with the health insurance. I kindly told her I had never received record of this debt prior to to this conversation I had with her. She then told me yes you have we spoke on multiple different occasions. I let her know that was inaccurate and asked her how she got my phone number as I had changed it when I moved. She then proceeded to yell at me and say she was not going to continue this argument and that she would be reporting me to the credit agency. I let her know she could not do that because I never received any information regarding this bill and never knew I owed anything to the hospital because they had my health insurance card on file and never sent me a bill. I do not want to have contact with this company ever again. I asked them to not call my phone again however, they placed there account in collections on my credit report leaving me no choice to have to reach out to them again. I will not be harassed by a company who is bringing up a triggering time and now effecting my credit for a situation I never deserved to be in. Please, help me and get them off of my credit report
Product: Credit reporting or other personal consumer reports

I've reached out to Transunion, XXXX, and XXXX pertaining frequent credit score point deductions that are being flagged on my credit reports for no valid reason. Today I had a XXXX point deduction on an auto loan account when a payment is not 30 days past due. They are randomly deducting points for odd reasons that do not comply with credit reporting. They are also not correcting my credit score when accounts are resolved. Meaning they are not increasing the score as accounts are paid off, cleared, etc. as they should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file.I have submitted serval complaints about my reports not reporting 100 percent accurate I errors which are FCRA violations. I would have to have to file and take this matter to the next level. The items I need deleted are listed in the report.I ask that the items be deleted to correct my credit report.After praying not to suffer as a victim much longer so I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Affidavit. Please delete the items as soon as possible. FDCPA SECTION 807 VIOLATION for misleading false reporting! Along with the violation of my right to privacy 15 USC 1681 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few addresses on my credit report that do not belong to me and I have issues with my verifications for my job. I really need these addresses off my file please delete, remove the following : XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  XXXX FL, XXXX XXXX XXXX XXXX  XXXX WI, XXXX My Address is XXXX XXXX XXXX XXXX XXXX XXXX OH Any other addresses are not accurate.
Product: Credit reporting

Equifax refuses to give me my annual online report, while XXXX and XXXX had no problem giving it to me. Equifax says " can not deliver your online report. ''
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/2024. Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

To Whom It May Concern, I am writing regarding the debt you have contacted me about, which you claim I owe. Under Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am formally requesting validation of this alleged debt. Please provide the following information : Proof of Debt The name and address of the original creditor. 
A copy of the agreement or contract that created the debt.

Amount of Debt An itemized breakdown of the total amount you claim I owe, including principal, interest, fees, and other charges.

Proof of Your Authorization Documentation that verifies your authority to collect this debt, such as a copy of the assignment or transfer agreement.

Verification of Accuracy Evidence showing that this debt is accurate, valid, and not subject to error, fraud, or duplication. 
Until I receive this information, I request that you cease all collection activities, including reporting this debt to credit reporting agencies, as any unverified or inaccurate information could constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

Please note that I am exercising my rights under the FDCPA, and this is not an acknowledgment or acceptance of responsibility for the debt. Additionally, further communication regarding this matter should be made in writing.

Thank you for your prompt attention to this request. I expect your response within the 30-day timeframe stipulated by law.

Sincerely,
Product: Credit card or prepaid card

Bank of America - wrongful late fee payment : I scheduled auto payment to my credit card at least 20 days in advance of the due date XX/XX/XXXX of the correct and full amount. This scheduled payment is visible in my " transfer activity ''. The payment due date of this credit card is XX/XX/XXXX. 

I was charged a {$25.00} late payment fee on my card on XX/XX/XXXX. The auto-pay automatically starting pending on XX/XX/XXXX. I did not do anything on my end as it is clearly an error that the payment was made past the XX/XX/XXXX I scheduled by the system. 

I called customer service who was not able to see the transfer activity on their end when I have record on my online banking of this scheduled payment. Customer service said it could be a technical error or that I did not do it correctly. I have done this every month for the past six years and record on my account shows the scheduled correct day for the full amount. Bank of America has an error in their system and wrongfully taking money from accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is filed against XXXX, XXXX, and Equifax for reporting incorrect/wrong information and incomplete information on my credit reports relating to the said account of XXXX XXXX under account number XXXX that all show a high balance of XXXX. This account was disputed with all three bureaus and all three bureaus verified the account as accurate and correct. XXXX errors are : XXXX. XXXX XXXX report reports this account as open.This is a closed account and in collections. XXXX. Equifax report also shows this account as open. This account is closed and in collections. XXXX. Both XXXX and Equifax reports are missing date account opened. XXXX. Both XXXX and Equifax reports are missing date last verified. XXXX. XXXX reports date of last activity as XXXX. XXXX reports date of last activity as XXXX. Equifax reports date of last activity as XXXX. All three differ and all can't be verified as correct. XXXX. Both XXXX and XXXX are missing date of last payment. XXXX. XXXX report under dispute status shows account not disputed. Contrary on same report under XXXX 's Remarks, it shows account disputed by consumer. Both can't be correct. XXXX. XXXX report under XXXX 's Remarks says account disputed by consumer. Said account was disputed and verified. Once dispute is done, the credit bureau is obligated to delete dispute code on account which XXXX failed to do. Account is not under dispute anymore and dispute remarks or codes are to be deleted from report. XXXX. Espirian report says under Dispute status that account not disputed. Contrary on same report under XXXX 's Remarks it says account disputed. Both can't be correct. XXXX. Espirian reportsays account disputed under XXXX 's Remarks. This account has been disputed and verified as correct. Dispute is over and once over any dispute remarks or dispute codes are to be immediately deleted from account. XXXX failed to remove the dispute remarks/codes from account. This violates the FCRA. and due process of federal law. A copy of XXXX XXXX XXXX XXXX XXXX report is included in this complaint to verify al errors and discrepancies.once all XXXX reports are side by side there is no way all XXXX bureaus verified different information from same account.
Product: Debt collection

I saw a credit alert on my account on XX/XX/2020. I contacted the company that listed it ( IC System ). After a series of phone calls, they had not done anything to provide information on payment, so I sent a registered letter on XX/XX/2020. I had not received a response by XX/XX/2020 and filed a complaint with the XX/XX/XXXX IC System responded to that complaint saying they had sent a letter to me on XX/XX/2020. I received that letter today ( XX/XX/XXXX ) - attached. It does not address the specific questions I asked. They are not being responsive. And, in the meantime, I am trying to resolve this in good faith, but can not proceed without answers from them. 

How are they being held accountable?