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

My XXXX statement for my Chase BA Visa credit card indicated that I had earned a total of XXXX XXXX reward points but only XXXX were transferred to my airline. Leaving XXXX missing points. I called Chase to look into the error after the missing points had not appeared on my XXXX statement. I was told that the issue was understood by the call representative and that I should have the missing points by next billing cycle. This did not happen. I called again on XX/XX/22 to follow up and was told there was no record of my previous call and that I would the issue would be escalated. On XX/XX/22 I received a letter in the mail from Chase dated XX/XX/22 acknowledging the issue I had raised and asking me to contact Chase Cardmember services to give further information. I called the number given on the letter and spent well over an hour being transferred to various agents, sometimes getting disconnected and needing to call again. Agents were unable to find the letter in the system or tell me what information they needed. I asked to speak with a supervisor who was able to find the correspondence, but then when I asked what information was needed as per the letter, she said she could no longer hear me and the line went dead. This issue remains unresolved.
Product: Vehicle loan or lease

I took a loan for XXXX on XX/XX/XXXX always paid on the XXXX of each month. i asked for a deferred payments for 2 month for XX/XX/XXXX and XX/XX/XXXX i was granted these 2 extension. I was told my next payment was not until XX/XX/XXXX. Well in the meantime i have been harassed by XXXX XXXX XXXX in California and have disgusting at making me pay on the XXXX of each month and they put on my credit report i was behind i get paid on the XXXX of each month as i am on XXXX income, I was told by XXXX XXXX XXXX at XXXX and told me to dispute this case because it is not my fault, because they lost or threw out my paperwork. Please help me get my credit and report corrected as my score went from XXXX to XXXX because of this disgusting mistake. Please call me at XXXX. Thank You
Product: Checking or savings account

I opened my checking account on XX/XX/2021. My account was funded on XX/XX/XXXX and XXXX, 2021. Citi was supposed to deposit {$700.00} for an opening bonus after 61 days. That time Period has passed and they have yet to deposit my money. 
I opened the account at a branch and Im being told only the branch can tell me why it hasnt credited my account. However no one is answering the calls to the branch so Im in a catch-22.
Product: Vehicle loan or lease

I reached out to FLAGSHIP CREDIT ACCEPTANCE LLC for a deferment due to financial hardship. I was laid off as of XX/XX/XXXX. I called in to customer service at XXXX XXXX XXXXXXXX requesting a deferment for my XX/XX/XXXX payment on XX/XX/XXXX. I explained to FLAGSHIP I did not have a job yet and would like to have a deferment. The next day I had collections from Flagship calling me for payment. I explained to the gentleman that I applied for a deferment and check his notes. Flagship collections stated nothing in notes, so he took my information to submit my request for deferment. I was denied on XX/XX/XXXX ( supposedly ) and email was sent to email address listed on my account. Now, I tried opening document to see this denial letter. It takes me to unsecured website and ask me to login with year of vehicle/zip code. I enter the information and receive an error message : login failed please try again. I inputted my physical and mailing zip code, no copy of letter. I spoke with their customer service XXXX other times between XX/XX/XXXX thru XXXX, XXXX. I was told my deferment was denied because I did not have a job. I advised them that I was offered/accepted a job and was due to start XX/XX/XXXX, sooner if my background check comes back quickly. I was denied again. I called back XX/XX/XXXX, just started my job early due to background coming quickly and would like to resubmit deferment. Flagship wouldn't let me saying it was already denied 3 other times. So, I stated I did not understand. I was first denied because I did not have a job and needed a job for approval. Then, when I called back to inform then of my job offer/ acceptance ; I was still denied. I told them that I will not be able to make a payment until XX/XX/XXXX. I'm really frustrated with them, I just wanted a month breather to give me time to catch up. I've made arrangements for my other bills. I record my conversations with them.
Product: Debt collection

LVNV is obligated by the FCRA to report accurate information. Consumer disputed a listing on credit report. I have requested validation of the original debt or accounting regarding debt. it has been over 30 days. I was sent a billing statement. an account billing statement is not accounting. LVNV has also been told to Cease and Desist. see attached affidavit. I have sent this via certified mail to give LVNV a chance to cure their fault.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX XXXX  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 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.

Experian 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
Product: Checking or savings account

I am a pnc customer! I opened a dispute for a charge of {$180.00} with XXXX for a hotel reservation. On XX/XX/year> I filed a dispute for services not received because I didnt stay at the hotel due to their hotel was not as described condition wise! I provided all of the information to pnc. Weeks later, I get a letter in the mail stating my dispute has been closed because no additional information was received when they have received everything! I contacted the ceo no response, as well as filed a XXXX  complaint! No resolution! All I want is the dispute to be opened so I can received my money back!
Product: Debt collection

I received notifications on XX/XX/2020 of a negative change to my credit history by several credit monitoring services by a unfamiliar entity ( Jefferson Capital Systems LLC. ) placed a unpaid or overdue debt collection entry with XXXX, XXXX, and XXXX. It claims the date of the debt is XX/XX/2020 as listed on all three bureaus. I did not and have not engaged in any such contract or credit with Jefferson Capital and did not enter into and such collection status for any such account at the XX/XX/2020 Date. They have not sent any due diligence or correspondence regarding this alleged debt. The account date listed is erroneous and a violation of FDCPA. I believe this to be junk debt collector attempting to extort money with negative reporting for another party 's debt.
Product: Vehicle loan or lease

I returned my car to Nissan in XXXX. 
In XXXX of XXXX I received a bill from Nissan for the XXXX, CT local taxes related to the period of time after I had returned the vehicle Because XXXX had not filed the right paperwork to close out the account with the government, XXXX had billed the tax I contacted XXXX and was able to easily have the charges reversed, but was told that Nissan needed to request the refund. 
On XXXX I sent Nissan what they requested to process the refund On XX/XX/XXXX I confirmed with XXXX government that they had not received any request from Nissan I also contacted Nissan who said it may take several weeks for Nissan to request the refund.

At the same time, Nissan is continuing to send me letters demanding payment and has indicated they will put me in collections I do not believe it is reasonable or legal to request payment and put me in collections for a tax that is not in fact owed and is awaiting Nissans request to close out Attached is my transcript with Nissan from XX/XX/XXXX where Nissan acknowledges the key facts above.
Product: Debt collection

Midland Funding, aka XXXX XXXX XXXX, XXXX XXXX XXXX, Midland Funding LLC and Midland Credit Management has done Hard Inquiries on all Credit Bureaus, i.e. XXXX XXXX XXXX and XXXX every year since 2008. I was informed by XXXX that all of my information while I was in the hospital had been hacked and stolen. Identity theft.. I then started reviewing my credit reports. I found out that every year since then Midland using different a.k.a has been monitoring accounts from banks that have I've disputed with the credit bureaus regarding these charge accounts that were closed, written off as a lost, reported to the IRS for tax credit, Midland then buys these dead account, charging triple what the reported amount, charging legal fees, assuming these debts as their own, making motions of DEFAULT REQUEST, AFFIDAVIT ENTRY, AND JUDGEMENT ( SUMCERTAIN ) in State  of Michigan XXXX XXXX XXXX XXXX XXXX that is not my District. MIDLAND CREDIT MGMY, XXXX XXXX XXXX, XXXX XXXX, CA ( No phone number listed ), MIDLAND FUNDING LLC is ( listed as a Loan Agency for Homes ) c/o Attorney XXXX, XXXX XXXX XXXX XXXX., LPA XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX MI XXXX has been garnishing my Homestead Taxes Refund for two years. I spoke with XXXX because Midland put a negative report on my Credit File never stating that they stole my Senior Citizen Homestead Tax return that is meant for low income XXXX senior citizen to assist in paying their property taxes. I was placed in a homeless position because of MIDLAND XXXX. I XXXX  a report about this company that preys on senior citizens, XXXX and below Federal income standard. Midland stole from me a total of {$640.00} and falsified court document case numbers.They never reported the debt was paid off or that the report was under litigations.I Disputed that this be deleted from my file. I have been denied credit because of MIDLAND XXXX   They took {$110.00} of my Homestead Tax Refund this year. Please monitor these Hard Inquiries that lower my Credit Score and have no authorization to inquire. I had no business association with MIDLAND XXXX.Refund my refund
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian and XXXX a letter disputing inaccuracies and unlawful practices concerning my credit report. According to covid-19 forbearance program regulations, it states that no late payments are to be reported to the financial credit bureau during the time of covid forbearance period.

I am a victim of covid 19 and by LAW they should have never put them on my report. In addition another unlawful act by ( XXXX Experian ) is violation of 15 U.S. Code 1666b. " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' These companies are also in violation of 15 U.S.C. 1692g. " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' They were to notify me of this in writing 5 days prior, I was not. 

As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Because you have failed to acknowledge my disputes a lawful remedy will be had and I will be in pursuant of 15 U.S.C. 1692k for {$1000.00} per violation for : 1. Unverified/ Inaccurate Reported Late payments Prosper Account Number XXXX Violation of 15 U.S. Code 1666b Please removed inaccurate reported late payments and update to paid as agreed 2. Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Date Payment Status XXXX XXXX Number : XXXXViolation of 15 U.S.C. 1692g Please delete from my credit report 3. Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Date of Last Payment XXXX Account Number : XXXX Violation of 15 U.S.C. 1692g Please delete from my credit report 4. Unverified/ Inaccurate Reported Late payments XXXX Account Number : XXXX Violation of 15 U.S. Code 1666b Please removed inaccurate reported late payments and update to paid as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to XXXX XXXX and TransUnion, providing all 3 credit bureaus with an update of my personal information -- -correct name -- - XXXX XXXX XXXX XXXX XXXX -and correct address XXXX XXXX XXXX XXXX. # XXXX, XXXX, AZ XXXX. 

I have also instructed the same bureaus to delete any other addresses appearing on my credit report as these are incorrect and potentially make me liable for fraud. TransUnion and XXXX ignored my request entirely ; and XXXX stated that they would place a fraud notice on my account, when deleting all incorrect addresses and name variations would be sufficient. 

Additionally, I have provided sufficient identifying information -- - a CURRENT driver license -- - and a copy of my social security card.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$330.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$330.00} Balance updated XX/XX/XXXX
Product: Student loan

Navient alleged that a loan was originated in 2007 in my name. They are alleging that a check in excess of {$25000.00} was cashed at a liquor store. 

I have communicated to Navient on numerous occasions that I never received these funds. I have not cashed a check. 

The promissory note and agreement has an electronic signature on it that Navient refuses to provide validation of. 

Although the loan may have been applied for along with other loans for anticipation of school expenses, I was subsequently approved for sufficient Federal Student Loans. Therefore I would not have needed the funds from the private loans. 

These private loans were never actually funded and the funds were never negotiated by me. 

I have also requested information regarding the custody of this loan. Specifically, these loans are alleged to have been originated with Sallie Mae. Records indicate that Navient and Sallie Mae are NOT the same company. It was not simply a name change. Therefore, Navient has to show proof that the loans were properly transferred to them from Sallie Mae. 

These loans are also reporting negatively to my Credit Report. Navient should block reporting until this issue is resolved based on Federal Law.

I do not owe a debt for funds I never received. I can not fill out a Identity theft affidavit that says someone stole my information in this regard. That would be a lie and perjury.

The overall picture is that although the loan may have been applied for, I never signed the agreement or received any funding. The loan was cancelled.
Product: Debt collection

This problem has been on going since XXXX. Once again LVNV Financial LLC, Resurgent Capital Svcs LP and now XXXX XXXX XXXX are attempting to collect alleged funds for a XXXX XXXX XXXX XXXX  account from over 25 years ago ... Broadband didn't even exist then. This is continued harassment by way of the antics of changing headers on documents. I am just now returning from weeks in XXXX to this new attempt and harassment. 

Please see below in regards to the last two attempts I made to get them out of my life and to leave me alone. I never had XXXX XXXX XXXX back in XXXX and XXXX XXXX XXXX didn't have broadband either. They keep harassing me with letters from new agencies all stemming from LVNV Funding LLC. 

Around XX/XX/XXXX I received a package of documents from Resurgent via LVNV Funding LLC for an alleged XXXX XXXX XXXX from XXXX. The bill has both my first and last name hugely misspelled and I never had an account with XXXX. My name is XXXX XXXX XXXX and the letter and debt are in the name of XXXX XXXX. Not me or my correct name. I called and communicated that the debt is either error or fraud and then continued to pressure me to pay the debt. The alleged debt alone is over XXXX XXXX XXXX. The date of the alleged debt is XX/XX/XXXX The amount is {$310.00} with an interest of {$420.00} for a total of {$730.00} I also looked online and LVNV Funding LLC is notorious for these fraudulent attempts to collect on debts. If I owed this alleged debt I would've learned of it far earlier than 26 years later.
Product: Mortgage

For the past several months, I've been attempting to get the lender to stop charging me for Private Mortgage Insurance ( PMI ). Over the last three months, the three SLS representatives I talked to on the phone told me I met the 80 % threshold, and since I have always been current on my payments, that PMI was no longer required. Yet, I continue to be charged a monthly PMI. 

Original Purchase Price ( XX/XX/2015 ) : {$290000.00} Original Appraised Value ( XX/XX/2015 ) : {$300000.00} Current mortgage balance : {$220000.00} ( 77.9 % of purchase price ) Monthly PMI escrow : {$47.00} Current market price approximately {$390000.00}
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. Specifically, I wish to dispute these accounts : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, have already corrected the inaccuracy of these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 
I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency.
Product: Student loan

I attended college from XX/XX/XXXX - XX/XX/XXXX. I borrowed money to attend. I was told by Navient when I requested the loans that as long as I repayed my loans after I graduated, then this would not be applied to my credit until after 13 months of graduation. I have never seen the actual statements that I signed to borrow money and do not know the actual amount that I borrowed. I never received any statements while attending college but see that my credit has been negatively affected due to this money since XX/XX/XXXX ( when I originally applied for the loans ). Now I am receiving statements from the department of education stating my loans were turned over to them and that I still owe $ XXXX. I do not know the exact number her I borrow but I do know that I never would borrow that much money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw that XXXX was listed as a hard hit to my credit. however, I have a pre-paid phone service and that does not require a credit check. When I tried to go to Experian to dispute it, first I had to order a credit report. Their website said I could click " dispute '' but when I did, I was sent to the form to order another credit report. Their website gives intentionally misleading instructions in order to discourage disputes. The only other way to contact them online required me to upload a document but when I uploaded my copy of their credit report the website would not accept it. In the text of my complaint, I stated I felt it was criminal for them to profit from mining personal date from people and publishing false and/or potentially damaging reports about them without their permission. Then their website said I could lnot submit my report because the word " criminal '' was obscene. Their website is intentionally rigged against disputing the false items they publish for profit.
Product: Debt collection

I submitted a dispute with the company win XX/XX/2020. The company has failed to respond and I am suffering undo stress. I am a victim of identity theft. The total sum of the debt is {$820.00}.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX  XXXX BALANCED {$6500.00} XXXXXXXX XXXX  XXXX BALANCED {$11000.00} - XXXX XXXXXXXX XXXX BALANCED {$5700.00}
Product: Debt collection

My XXXX XXXX XXXX was repossessed in XXXX after missing one payment. While on the phone to negotiate payment with the representative, they dispatched someone out and had my car towed, while at work, and on the phone to set up payment arrangement dates to get caught back up. Fast forward to XXXX, I receive a notice to withhold on XX/XX/XXXX. Prior to this, I hadn't received any communication about this debt. The amount owing is roughly 28K. After pulling the court documents, the original balance was around 7K owing, and the original judgement was entered on XX/XX/XXXX. I don't recall receiving anything about this. I also noticed on the proof of service, the address was spelled incorrectly. There are no documents before XXXX that I could view, so I had to order them. However, according to self-help civil suit division of the court, a trial and all that took place to make this official. I have moved around, have had different jobs and nothing has come up regarding this, up to the latest action of having my wages garnished until after the fact. I was directed to this website because this company had a class action lawsuit against them where they lost for unlawful possessions and unfair debt collection practices. Something needs to be done about the {$500.00} that is coming out of this check, and will be every two weeks. And their legal department is past the point of any communication, even though there were no efforts to communicate with me, assuming they were pulling my credit report to find out where I worked and lived.