23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My phone rang at XXXX XXXX with a number that i did not recognize. I did not answer and sent the number to voicemail. Again at XXXX my phone rang again with the same number ( XXXX XXXX ). I answered, thinking that it was an emergency, and it was a collection call from Global Radius Solutions. They were attempting to collect a debt and informed me that the call was being recorded. I asked to speak to a supervisor and was placed on hold. When the supervisor answered i informed him that calling back to back was harassment. The supervisor continued collection activity, and would not acknowledge the company 's wrongdoing. I informed him of my lawyer 's phone number ( incorrect number given on accident ). He eventually acknowledged my complaint and stated that i would not be contacted again. I called back again to give the correct phone number for my lawyer and was recorded in doing so.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate/Unverifiable Information Under the FCRA I am writing to dispute inaccurate and/or unverifiable information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have identified the following item ( s ) that require investigation and correction : Creditor Name/Account Number : [ Provide details of the account ] Nature of Dispute : " Late payment reported inaccurately '' This information is either inaccurate, outdated, or unverifiable and, therefore, violates several provisions of the FCRA. Specifically : XXXX XXXX XXXX XXXX Credit reporting agencies are required to investigate disputes and verify the accuracy of information within 30 days. If the information can not be verified, it must be deleted or corrected. 


XXXX XXXX XXXX XXXX XXXX XXXX  : Credit reporting agencies must ensure the maximum possible accuracy of the information they report. The presence of this inaccurate information violates this requirement. 


XXXX. Section XXXX : I am requesting that you provide verification of the disputed account, including the name of the original creditor, payment history, and any supporting documentation used to validate the information. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Negative information, such as late payments, must not be reported if it is older than 7 years from the date of delinquency. If this item is outdated, it must be removed immediately. 


XXXX XXXX XXXXXXXX : Furnishers of information are obligated to report accurate data. If the creditor supplying this information has failed to meet this requirement, it must be corrected or removed. 

XXXX. We would like the of a XXXX XXXX XXXX, Also a Chain of Assignment as well
Product: Bank account or service

I contacted my bank in order to stop the first time of a recurring month to month payment using my debit card, under FDIC Consumer regulations the bank is to allow me to do this if I contact them 3 business days before my payment is to go out. If I have contacted the other party, which I had I am able to according to this website https : XXXX stop my payment under the Stopping an automatic, recurring payment : section. Am allowed to stop the payment in such cases so that my account will not go negative, I may be liable for the payment at a later time, but I am certainly allowed to stop it at no charges to me. But my bank demanded they treat it as a stop check payment, incorrect banking regulations and then proceeded to demand I pay them {$30.00} to stop a {$7.00} payment I could not cover forcing me to accept improper banking regulations or to take a payment I could not handle that I was trying to stop using my RIGHTS. They do not know the proper regulations themselves, even the supervisor at the call center for bank of america treated me terribly and refused to help me and literally said yes to my quote of " bank of america is denying me a service they should give me, refused to acknowledge their mistakes now, and are forcing these fees upon me when I attempted to execute my rights to stop them, you guys are XXXX me over, literally handing me a XXXX then another one and saying go XXXX '' She literally agreed, said yes these are our policies and this is how we treat our customers. Now I realize profanity was not needed but I was angry and these people obviously had no intention of helping me even if this is the result of their incompetence and neglect. They hide behind a " computer system does not allow us to change what has already been set in motion '' tactic. I called the local branch for bank of america, and I asked if they would help me based on what had happened with customer service on their XXXX number. An apologetic but unable to help account associate got her manager who was the one i spoke to about coming in. She could see what happened in the account, she just refused to do anything about her company the one she works for ignoring banking regulations and she herself didnt even know that stopping a check and stopping a reccuring debit transaction are nowhere near the same thing. She agreed that their regulations were to ignore proper FDIC regulations, force me to take penalties so they could add penalties on to my account. I angrily took my debit bank card and Id from the desk they had them on and she threatened to call the police on me because I was angry that they were so blatantly and fradulently trying to cheapskate me out of pausing a $ XXXX month to month payment so that my account would not go red. Once again clearly outline in the FDIC consumer site under the Stopping an automatic, recurring payment : located HERE : https : XXXX
Product: Vehicle loan or lease

BMW Financial Services continues to report an auto loan on my credit report, despite me receiving a discharge from a bankruptcy in XXXX. I filed a bankruptcy onXX/XX/XXXXand received a discharge in XXXX, XXXX. However, they continue to report the status of the account. In XXXX, XXXX and XXXX, XXXX, they reported the account 30 days late. This is in violation of the bankruptcy discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 reporting or other personal consumer reports

I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AFFIDAVITS OF LAW 1. Are you the original creditor?

2. Have you given the debtor the opportunity to review the original contract?

3. Have you validated the home address for the debtor?

4. Have you complied with all FRCA and FDCP and FDCPA laws?

5. Have you reported to the consumer who all has reviewed the original contract information with his/her original signature?

6. Have you provided the names of all creditors that have provided names and addresses of the individual person who has reviewed consumer relations?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report that do not belong to me. I was incarcerated during the time these accounts were open so they are identity theft. I complained with local authorities and the FTC. These 2 items must be removed immediately! 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$0.00} Balance 2. XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$11000.00}
Product: Credit reporting or other personal consumer reports

I was reviewing my credit profile and noticed hard inquiries that are not mine
Product: Credit reporting or other personal consumer reports

*UNAUTHORIZED INQUIRIES* 1. XXXX XXXXXXXX XXXX  XXXX XXXX 2. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  - General
Product: Money transfer, virtual currency, or money service

I received my unemployment deposit with back pay for XXXX $ to my chime account. Once it was received I was able to withdraw XXXX $ and after that I tried to pay a bill and it was declined, called chime and was told my account was suspended for suspicious activity, basically the unemployment deposit was suspicious because of the amount even though I had received at least 8 deposits in the past from same place and never has a issue. I called them and they asked me to verify my identity and to verify I was entitled to unemployment benefits, I sent them everything they asked for, after a few days they sent me a email telling me my account has been closed And I'm not eligible for a refund, due to violating there user agreement policy. Now I can't get ahold of no one and they tell me it's email only for that department, I've sent emails a bunch of times and they don't respond, if you XXXX reviews about Chime bank there is 100s of people that they have done this to, it can't be a coincidence that people with exact situation gets there money stolen from them, please help me and help anyone else so this doesn't happen to anyone!
Product: Credit card or prepaid card

I'm a XXXX XXXX here with an excellent credit history. I received several pre-approved offer letters from Wells Fargo, none mentioning anything about residency status. I applied and I got rejected for the reason " Not a XXXX  XXXX XXXX  ''. I wouldn't have applied if I knew XXXX  XXXX  was a requirement, and I expected them to be informed of such a requirement before applying. Now I have a hard inquiry on my account with no credit card to use. I was thinking to get a new credit card during COVID and I chose Wells Fargo only because I had the offer. I would like someone to address this issue, please.
Product: Credit reporting or other personal consumer reports

In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the Experian and XXXX credit bureaus must verify this account. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the following account listed on my credit report : XXXX XXXX XXXX Balance : {$5000.00}
Product: Debt collection

Calling me at work XXXX XXXX XXXX I do n't know who they are XXXX XXXX XXXX XXXX XXXX XXXX kept calling my work. I 'm not allowed to get personal call at work
Product: Money transfer, virtual currency, or money service

Someone using the email XXXX has opened a XXXX  account whatever that is we dont have that in the XXXX. It was my email but I've closed the email account. Said the name was XXXX. Can you look into this please. I think someone has stolen my identity in the USA somewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was dismissed in my bankruptcy with the last activity of XX/XX/XXXX. However, all 3 credit agencies reported it as a late payment in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$2100.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$2100.00}
Product: Student loan

I contacted the debt collection agency regarding loans that went to collection after continuously requesting and being approved for deferments and did n't understand what was going on. Since I have contacted the Dept of EXucation to find out what exactly is going on because the people at the collection agency was able to provide an adequate response. After contacting them they have called at minimum 9 times a day at minimum and I just do n't believe they should.be able to contact me as much when I 've explicitly explained the situation and I am attempting to rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquiries on my report that dont belong to me.
Product: Credit reporting or other personal consumer reports

i have asked TRANSUNION, XXXX AND XXXX to provide proof of the late payments that are currently reporting on my current credit reporting. i have never been late as a matter of fact all my payments comes out automatically XXXX from my checking account. i have reached out to the creditors as well and they keep telling me that they will investagate the issue, however they never get back with me as well.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid off my credit card with Capital One online, an amount of roughly {$10000.00}. I was told that I had a pending charge of {$23.00} on XX/XX/XXXX, so I spoke with a representative to pay the balance off, and I was told that my account was paid-in-full and there were no additional charges/fees.

On XX/XX/XXXX, I received a notification from Capital One stating that I have an interest charge of {$41.00}, even though I was told there were no additional charges/fees on my account. I spoke with a manager, and I was told the charges were applied because of residual interest charges, and the charge would not be waived. I explained that telling customers their accounts are paid-in-full and then applying an interest charge after the fact is misleading and not a good business practice. Supervisor responded by saying the charges will stand. 

I was a customer of Capital One for well over a decade, and this is how I was treated. I was given misinformation, and the company couldn't understand their wrongdoing.
Product: Debt collection

I had received paperwork by mail in XXXX XXXX regarding a debt owed, and this company Schreiber, Cohen LLC was the firm hired by XXXX XXXX XXXX XXXX to collect via State of CT Superior Court small claims. I filed chapter XXXX bankruptcy on XXXX/XXXX/XXXX, XXXX was included on the bankruptcy petition, and notified. Schreiber Cohen LLC was also notified of this action. The bankruptcy was discharged on XXXX/XXXX/XXXX. I received communications from State of CT Superior Court regarding this case on XXXX/XXXX/XXXX, it was a notice that a hearing was scheduled for damages on XXXX/XXXX/XXXX XXXX. I contacted the clerk on XXXX/XXXX/XXXX approx. XXXX XXXX to let them know this was a discharged debt  and what do I do? The clerks office told me to contact Schreiber Cohen LLC, XXXX. I called them on XXXX/XXXX/XXXX @ XXXX XXXX and spoke to XXXX XXXX ( sp? ) explained the above to him in detail and he said this would all be cleared up. Yesterday XXXX/XXXX/XXXX I received another notice from State of CT Superior Court that a default was entered against me because I had not filed an answer to this proceeding which I was assured would be cleared up by XXXX @ Schreiber Cohen LLC. I am extremely upset as to how a company that was notified months ago can still try to pursue litigation?????? I am beyond stressed, and can not lose time from work to try to rectify this myself nor should I have to, this company needs to be held responsible for their pure disregard to the law.
Product: Credit reporting

I have provided the following attached letter to Equifax to remove this collection from my credit report. My first dispute was XXXX XXXX, 2016 and Equifax has not removed the collection. I would like this removed from my credit report. ACCOUNT # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX for a medical problem on XXXX XXXX. I provided my medical insurance card. Per my insurance company XXXX XXXX XXXX, they received a bill from the hospital and XXXX but they did not receive a bill from the attending physician. They sent this to collection CMRE. It's showing on my credit report. If the doctor would have timely submitted the bill the insurance company would have paid it. Doctor/provided failed to submit a bill to insurance company. I never received a bill from either the doctor or collection agency. I am requesting for this derogatory credit report to be deleted from my credit report. I have disputed with credit bureaus and company and I never received any validation and documentation of this bill. The insurance company told me that the doctor/provider needed to have timely billed them but they never billed. Four years later this came up on my credit report which is past the billing allowable time. I have tried to resolve this problem with the three reporting agencies and nothing has been done.
Product: Credit card or prepaid card

Chase unilaterally decided to close my Chase Sapphire Preferred account ending in XXXX on the basis that I've submitted an increasing number of disputes related to my abroad travel from XX/XX/XXXX to XX/XX/XXXX. As I've explained in detail in numerous communications with Chase 's customer service team members, these disputes have merits, and in no way did I abuse their dispute function. In a very detailed letter, I outlined the history and details of these disputes in support of my claim that these disputes are all submitted in good faith, and thereby demanding that my account be reinstated immediately. This letter was submitted on XX/XX/XXXX, via Chase 's internal Secure Message and via postal mail. I have not received a response. A copy of Chase 's original notice of closure of my account and a copy of my response letter are attached in this complaint. If Chase does not reinstate my account immediately, I am ready to rally my resources to mount a vigour legal action.
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 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.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 or prepaid card

I called Capital One customer service on or about XX/XX/XXXX and made a request to change my payment due date from the XX/XX/XXXX of each month to the XX/XX/XXXX. The representative informed me that my request was approved and that it would take up to 1-2 billing cycles before the payment date would change. I was advised by the representative to continue to make payments on my current due date until I see the new due date reflected on my card statement. I made my next payment on XX/XX/XXXX as  instructed. Then on XX/XX/XXXX I received an email notification from Capital One that my statement was ready and was over the limit. I then received notification from XXXX XXXX that there was a substantial decrease in my credit scores. I never received any notification on my statement since making the initial request that the date had been changed as Capital One promised I would. I had charged the card up to the limit and had plans to make a substantial payment on XX/XX/XXXX that wouldve prevented any negative impact to my credit score. Capital One charged a late payment fee and my normal interest which took me over my limit. I was making plans to try to get a business loan and due to Capital Ones negligence I do not meet the minimum score requirement anymore! I am furious and when I contacted them to inform them of what had occurred I was accused by their customer service representative of being negligent for charging my card account too close to the limit! The nerve! I was granted that limit and can charge up to within XXXX XXXX of that limit as long as I do not breach it and make at least the minimum payment as instructed by the card company on my scheduled due date! This was insult to injury and inconsiderate to me as the customer who is expressing that damages where suffered due to the lack of notification provided by Capital One. To make matters worse my wife is an authorized user and her credit saw a substantial negative impact as well! I escalated the call and after an unfortunate amount of back and forth a supervisor removed the late payment fee but no other action was taken. I was advised that I could write a letter, not speak with someone but write a letter. Not email a department but WRITE A LETTER to dispute the issue! It would take 30+ days plus 7+ days mailing time to even receive a response!! So the burden is mine to prove the obvious?! On top of that I have to be subjected to their antiquated disputes process! It didnt take a written letter and more than a month for them to offer and extend me credit so now that theres an issue the process is slow and difficult in an effort to deter cardholders from moving forward. Im terribly disgusted with this company and their lack of regard for their clients.