23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I looked on my credit report a notice that this debt was on my credit report. I never received any written communication from Zions Debt Holdings LL. Zions Debt Holdings LL has put this debt on my credit file illegally. I can prove that I have never received any communication from Zions Debt Holdings LL. I have USPS INFORMED DELIVERY and I'm able to see everything that is mailed out to me. Zions Debt Holdings LL has placed this debt as a collection on my XXXX credit bureau credit file.
Product: Credit card or prepaid card

On XX/XX/2018, I reopened a XXXX store card to purchase something at the store. I left the country to visit family and left my daughter in charge to pay for the purchase of {$130.00}. The store never sent paper mail statements and when my daughter and wife called And gave them my personal information, they refuse to talk about my account. At this point, unbeknownst me they had already started changing me late fees. My wife tried many times during all these months to get them to stop charging late fees and paid {$100.00} dollars online. She spoke to many reps explaining why we have not paid but they continue charging fees and refuse to allow my family to bring the account clean. Now that I am calling they charging {$190.00} More than his original purchase and it is not after all this time that they finally speak to us and have the audacity to tell us that they are only allowed to drop One late fee. My husband is poor and we are willing to pay the remaining XXXX dollars but its unfair that we have to pay twice what the original bill was because of their deplorable customer service. We tried many times to settle the account but they refuse to offer customer service.
Product: Debt collection

MED DATA SYSTEM XX/XX/2022 THIS ACCOUNT WAS CREATED AS A RESULT OF IDENTITY THEFT
Product: Student loan

On XX/XX/17 I received five emails from Navient, one said my forbearance was approved and gave a payment due date and amount. I did n't request this because my loans were paid back 100 % in my chapter XXXX. Case XXXX XXXX county ohio. I have a letter from XXXX indicating a XXXX balance as of my discharge. 

I called Navient and they were rude, could not give me info, and one even told me she could n't access my account even though she had just given me information. She transferred to to someone who was a robot, just insisting I have to pay now that bky is over. 

She was given my current address and confirmed they had an old address They were sending demand letters to a wrong address. If they knew the bky was over, they knew my correct address as it was in the discharge paperwork and XXXX had the correct address. 

One of the letters says the have put this on my credit report as past due and they also want late fees. 

None of the letters show a balance, just principal. 

Another letter was generated today and viewing it online I see they STILL have the wrong address. 

I am trying to buy a new car. This false info must be removed from my credit report NOW.
Product: Student loan

I am being charged {$55000.00} for a loan with no name. I have reached out to NELNET and XXXX and can not obtain any information on whom the loan was for or why they believe I owe it. I need help getting this amount removed from my credit history and credit report.
Product: Credit reporting or other personal consumer reports

I recently received confirmation from the bankruptcy court stating they did not send my information to the credit reporting agency which means they found and reported it without my consent or sending me any information to verify it was correct which is a violation of U.S. Code 1681b permissible purpose. Also I am the only one who can verify my information correctly before anything is attached to my credit file and they did not send me any information ( physical verifiable proof ) USPS so I could confirm that it belongs or did not belong to me which is another violation of FCRA law 15 U.S. Code 1681s-2, 15 U.S.Code 1692j and 15 U.S.Code 1681c. For each violation I could receive monetary compensation of up to {$1000.00} in the court of law, but at this stage of the process I will settle with deleting and blocking it from my consumer report effective immediately also I have attached documentation signed by me and the court stating they do not report to any credit agency which means they stole the information and reported it without my consent or the courts consent that is illegal on so many levels. This has stained my consumer report and caused me so much damage physically, mentally, and financially. I am a XXXX  mother working to get me and my kids a place to call home but the credit reporting agency has placed obstacles in my way making it extremely impossible to overcome. im drained mentally and physically and have exhausted all my resources trying to overcome this hurdle. I have been doing intensive researching seeing how is this possible for them to do to me and I have found that what they have done to me is highly illegal and devastating to my future. I just ask the CFPB to help me overcome this battle so I can move forward with my life in peace. Thank you for your time and consideration to listen to what I had to say hopefully you resolve this issue immediately or I may have a XXXX XXXX  due to stress and XXXX.
Product: Debt collection

In accordance to the Fair Credit Reporting Act the below account has violated my rights for privacy and confidentiality under 15 USC1681 : AMERICOLLECT INC, XXXX 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.
Product: Credit card or prepaid card

On XX/XX/2021. I purchased a ticket for my fianc to travel from XXXX to XXXX XXXX. Trip was for XX/XX/XXXX. The ticket was purchased via XXXX ticket cost {$550.00} on my capital one 360 debit card. 

On XX/XX/2021. I got an email from XXXX that the ticket was canceled. Due to COVID-19 anyone that has been in XXXX within two weeks will not be allowed to travel to USA. 

I called XXXX to rebook the ticket to another destination but they said because I booked via XXXX they will not be able to help. They said XXXX needs to refund me. 

I called XXXX to try to reroute his ticket but they will not. They kept telling me that theyll get back to me. I had to purchase another ticket entirely for my fianc to travel. 

I called XXXX several they said theyll get back to me on refunds. They never called me or sent any emails as of Today. I called them again Friday the XXXXXXXX XXXX  after I got the email of denial from capitalone. They still said theyll get back to me maybe in XXXX. 

I called capital one 360 to explain why they decided in the favor of XXXX and I honestly dont understand a reason. 

Capital one 360 claims XXXX had provided a proof that they tried to resolve the matter with me but thats a BIG FAT LIE!!! Till today as we type. I have not heard from them ( XXXX  ) Not phone call not email. No refund of my money. No travel voucher. I feel scammed : ( Ive never felt so bad on that my bank will not have my back.
Product: Student loan

Problem XXXX : On XX/XX/23 I requested Moehla change my due date via phone to the XXXX of the month. We can not submit this request online. I have called every month, over an hour wait time and every month they say they have to put in a new request all over again. No changes! 
Problem XXXX : am enrolled in auto bill pay. I have been trying every month to get it to be take automatically but it does not do it and Moehla says they cant help and every month I have to do it manually despite having every number correct for auto bill bay. 
Problem XXXX : customer service is terrible, I get transferred multiple times, wont ever hear back from supervisors and they reps will hang up or transfer to automated machines for call backs. XXXX worker acted like she couldnt hear me! 
Problem XXXX : my job paid XXXXXXXX XXXX of my debt in XXXX and Moehla cashed it but wont add it to my account!
Product: Vehicle loan or lease

I am signed into their system with a login and password but can not get in. Rejected. with multiple attempts and other methods they provide fail. Attempts to use chat, mail or other online functions fail. I even changed browsers but still no good. " Call back on Monday. '' Well sorry they then attach a late fee at the stroke of midnight on an already horribly usurious loan or to pay by some other means. By opinion a great way to make extra money for the bottom line.
Product: Vehicle loan or lease

Ally Financial failed to properly apply GAP coverage benefits to the balance of the loan. 

See attachment for further details I am prepared to furnish additional details if requested.
Product: Checking or savings account

I was charged a XXXX overdraft fee after I had a positive balance of XXXX dollars. Then after I deposited XXXX dollars they still dinged me for overdraft fees. Now in 2 days I have XXXX of overdraft fees and it is impossible to keep my account balance positive. There shouldnt be a XXXX dollars a day of overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, after several attempts with the agency in which they still choose to ignore my request, I am requesting that the following information in my file be deleted & removed I am a victim of identity theft because someone took advantage of me leaving my ID at my old address before I moved out along with other documents such as my social security card And have opened several accounts over the years and my credit score is being greatly impacted by this companies refusal to delete. I have sent my identity theft report to them via certified mail also have tried to upload it via online service, but the system keeps saying error that I reported to the Federal Trade Commission, and I also enclosed copies of the Federal Trade commission identity Theft Affidavit. Please Delete the items as soon as possible. Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of Receipt. it has been over 4 days and you are now in VIOLATION of this law because I am a victim of identity theft. Please delete these items as soon as possible. the Fraudulent Accounts are as follows XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ALSO MY CURRENT ADRESS IS XXXX XXXX XXXX XXXX NJ XXXX PLEASE DELETE ANY OTHER ADRESSES ON FILE
Product: Credit reporting or other personal consumer reports

JPMCB CARD Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

JPMCB CARD Address None Provided Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, 2017, is when I last sent this company a letter disputing several incorrectly reported items on my credit report. including XXXX XXXX Acct # : XXXX which was removed from my report by XXXX. I am not asking this company to base the investigation on XXXX 's investigation results. I am just stating a fact, that an item being not verifiable to one bureau, should be the same with the other bureaus. I am requesting copies of documents used in the investigation by this company that Transunion is not able to obtain. I also request that Liens ref numbers : FEDERAL TAX LIEN Ref # XXXX, FEDERAL TAX LIEN Ref # XXXX and FEDERAL TAX LIEN Ref # XXXX. Verified with the courts last XX/XX/XXXX, that these liens have been withdrawn. No citation of my name, SSN or DOB. Please reinvestigate properly all the items I have disputed, from the inaccurate account opened date, highest balance, status, inaccurate payment history.
Product: Credit reporting, credit repair services, 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. 

Closed Accounts : Delete from Credit Report XXXX XXXX XXXX- XXXX has violated my rights. 
XXXX XXXX  - XXXX has violated my rights. 

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: Checking or savings account

I used BB & Ts online bill pay to pay my mortgage and was told after the fact that they would send a paper check. In a nutshell my mortgage company said they never received the check and I had to make my payment online directly with them but was advised to put a stop payment on the check first. I called my bank and asked the bank manager to put a stop payment on it and was informed I had to pay the {$30.00} stop payment fee. Since this was not my fault I feel I should not have to pay it. I will enclose a copy of my online transaction proving I attempted to make the payment on theXX/XX/XXXX. Since the bank issued the check they should have to waive the {$30.00} stop payment fee since I wasn't the one to lose the check - either they did or XXXX XXXX  did.
Product: Debt or credit management

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that the information is inaccurate.

According to : 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions I sent over all the information that was requested of me from them. I need to know about when it will come off my acct. I need to know since i sent the info when would they take it off my account.
Product: Checking or savings account

I received a letter from Key Bank saying that my account will be closed because my account relationship poses excessive risk to the bank. I called them and asked what this letter means by my relationship posing excessive risk to the bank. The customer rep read off the exact same letter I received and said that's why. I was calling to get more explanation in regard to excessive risk of my relationship to the bank and they did not tell me more than what the letter says. I requested to speak to his supervisor to get more information because he was not being helpful for reading off the letter. The rep told me that he was the highest level I could speak to and get information about this letter. I strongly believe that Key Bank needs to tell me why my account will be closed and provide a thorough explanation. They can not treat customers however they want and they need to abide by certain rules and regulations. I don't know if they discriminate me or under what ground they decide to close my account. However, I deserve an explanation than just accepting the fact they arbitrarily closes my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Experian stole 17 months of on time never late payments to XXXX and refuse to give them back and they just closed another complaint without addressing the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute with CFBP regarding fraudulent inquiries, copy attached. 
Equifax responded : XXXX - XX/XX/2021 - Removed but remains on my profile. 
XXXX XXXX - XX/XX/2021 - Was not on my credit profile Please review the attached CFPB account and list of inquiries from the credit report pulled today. Please remove these inquiries as stated and/or investigate the inquiry as requested. Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

My account at Binance.US was locked ( unable to trade ) due to a chargeback of {$2000.00}. The deposit was initiated on XXXX and I was not notified that it failed until XXXX. 

Once notified, I immediately resolved the balance issue by depositing {$2000.00}. 

The email notification about the chargeback promised " You do not have to create a ticket or follow up about this matter, we will check your accounts status in a few days to see if its been covered to unlock you. '' Nevertheless, I opened a ticket on XXXX to track my account reactivation. 

By XXXX I still had a lock on my account. I responded to the ticket to nudge the issue. No response was received, until XXXX, after my second request for a follow-up on XXXX. I was assured that someone would look into my account. Two days later, on XXXX, I received an update on my support ticket : " I'll have our clearance department unlock your account. I'll let you know once it's been unlocked as soon as possible. '' But this has yet to occur. It is now XXXX, and my account is still locked. I am unable to trade, and my portfolio has lost around 30 % of its value while I've been left hanging.
Product: Mortgage

I received a letter in XXXX stating I didn't have Hazard ins. on my condo. I'am in a HOA and the ins. was in tack and has never lapsed ion the 20 years I've been here. I immedialtly mailed the Mortgage co. the current policy. I also scanned and sent it. 
I called them after another letter in XXXX. I then had the XXXX ins. agent call them. 
It was all supposed to be straightened out. I have called 7 times since then, I'am told they have what they need and would call and mail me proof. 2 months of this and still XXXX haven ; t received anything. Now I got a letter stating my mortgage payment is going up XXXX dollars a month, starting XX/XX/XXXX. I don't know what else I can do with these people. They all tell me I will hear from them within 24-48 hours. It never happens. 

Please Help/ XXXX
Product: Mortgage

BSI financial is failing to complete review for loss mitigation within 30days after receiving a complete package and acknowledging it is complete on XXXX/XXXX/2015. See attached letter. They also were slow to acknowledge receipt of package. Request for mortgage assitance was fax to BSI on XXXX/XXXX/2015 and recieved a confirmation of receipt letter dated XXXX/XXXX/2015 same day as a request for additional documents were made. Submitted all additional documents on XXXX/XXXX/2015 and they have not requested anything further. Point of contact does not return calls and other representatives can not give status update. Left message for XXXX XXXX on XXXX/XXXX/2015 and again on XXXX/XXXX/2015 and again on XXXX/XXXX/2015 for a status update and have not gotten a return call did talk to XXXX XXXX on XXXX/XXXX/2015 and he advised something was approved and in route but have yet to receive anything. Escalated case today with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I added a new credit card account ( XXXX ) and that account has been reported by XXXX to all the credit bureaus on XX/XX/2019. However, only XXXX shows this new account on my credit report. TranUnion and XXXX  do not reflect this account. 

I have called both companies to resolve the issue, but to no avail.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I recently discovered that my credit report contains information that has been adversely affecting my creditworthiness which prevents of successful completing my education and other things. I want to inform you no one helped me put my credit file together, and therefore, please stop trying to hold up my request for you to delete and block information on my file. According to the 15 U.S.C 1681 Law there should be no damages on my report, considered that as a defamation to my character. As such, I am requesting that you proceed with deleting and blocking any adverse information that may be present in my credit report in accordance with Section 605c of the Fair Credit Reporting Act ( FCRA ). This includes any information that can not be verified, is outdated, or has been reported in error. I would also like to request a copy of my updated credit report after the information has been removed or blocked. I understand that you have 4 days to do this according to 605c, and I kindly request that you provide a written response outlining your findings and actions taken. Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further information.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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: Credit card

I have XXXX credit cards with Chase Bank. They offer a pay over time plan for larger transactions. Different payback periods are offered with a monthly transaction fee. Both the monthly payment and fee are disclosed up front. The information states there is no prepayment fee. Recently, I had as many as XXXX plans. I contacted customer service to find out how to pay one of them off and was told there was no way to do that. They said if I send the specific amount to pay off that one plan, the amount would just be applied to the outstanding amount and the transaction fees would continue! The only way to avoid fees would be to pay of the entire balance. This is not disclosed anywhere that I could find. It also defeats the purpose of having a pay over time plan. It is also misleading to say there is no prepayment penalty since there is no way to pay off individual plans.
Product: Credit card or prepaid card

I received all chargebacks requested but lingering dangling interest charges remains to be resolved. 
Interest charges as follows : XX/XX/XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX, {$4.00} In credits given : XX/XX/XXXX : ( {$40.00} and {$1.00} ) ; XX/XX/XXXX, ( {$0.00} ), XX/XX/XXXX, ( {$.00} ) By my calculations Capital One owes credit of XXXX + XXXX - {$0.00} - {$0.00} = {$8.00} ( CREDIT DUE )