23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had lost my debit card hadnt realized once i finally did there were multiple transactions on my account. So I cancelled my card XXXX filed claim several times and I was denied for whatever reason and, shortly after my account was closed with no explanation.An also my account was placed into a negative balance which went to my consumer report and has damaged my credit.
Product: Vehicle loan or lease

This was paid off Was told it would be removed from credit report It is over XXXX XXXX XXXX XXXX wrong, never late.
Product: Credit card

I called to cancel my Citi Forward credit card XX/XX/XXXX, having submitted a XXXX XXXX XXXX payment to pay the account balance. I spoke to a customer service rep who confirmed cancellation of the account. 

I was so certain that my account had been canceled that I then proceeded to cut up my credit card ( having closed the account ). I did not hear about any issues from Citibank whatsoever. I did not receive emails saying there were any issues. 

Two months later, I get a few robocalls and see my credit score has dropped dramatically, because there is this phantom account that I thought I had closed. It turns out it was open and the bank payment had n't gone through. I had not been told this and thought it had already been paid and closed. 

Citi is looking for the record of my calling. As of today ( XX/XX/2017 ), the day I discovered this account, I paid the delinquent amount but there is still a mark on my record. I have had 10-12 years of spotless credit history and this is the single payment that is past due. 

I spoke on the phone today and spent 2 hours on the phone with XXXX and XXXX ( presumably Citi will see record of our conversation ). They could not do anything to remove the delinquent record. 

This is fraudulent. Keeping someone 's account open when they thought it was closed is a huge cause for concern and brings to question the fraudulent practices recently at XXXX XXXX. Is Citi operating in the same vein? I will not hesitate to pursue this further.
Product: Debt collection

I was trying to qualify for a XXXX  XXXX loan. I discovered a collection account on my credit. I disputed the information because it was inaccurate. The collection company refused to correct the information. The company also refused to communicate with me in writing. Now the debt should have aged off my credit. But the collection company is still reported it to some of the credit agencies with a different date on it. The debt has always been disputed. The debt was incurred more than XXXX  years ago. The debt is not collectible nor reportable. The debt collection agency kept me from getting a home while interest rates were low. Now they want to keep me from having safe, affordable housing altogether.
Product: Credit reporting or other personal consumer reports

As of 2018 Experian report false information on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing my account as closed/charge off with a {$0.00} balance after I fought four months to close the account with the {$0.00} balance. Account closed, finally as charged off after 4 deliquent months on a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page 5 and 6 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, XXXX and Transunion have not removed this from my credit report. I have contacted the bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

I became aware of this just days ago that the foreclosure mill XXXX XXXXXXXX XXXX of XXXX Mass is in control of the auction house about to Illegally take my home on Tuesday XXXX XXXX, XXXX for profit. JP Morgan Chase Bank, NA has hired XXXX to illegally sell my home. This is all a profiteering scheme to steal homes. I am XXXX yrs old, XXXX, indigent with limited education. The ATTACHED is proof that the foreclosing law firm XXXX XXXX, XXXX of XXXX is the administrator of this XXXX XXXX XXXX XXXX XXXX for Profit. 

THIS IS NOT A DUPLICATE -- -- -- -- - THIS IS NOT IN LITIGATION This is a premeditated scheme to steal homes with the goal of profiteering while abusing me and again this is abuse by Chase Bank by this XXXX, senior whom recently had XXXX XXXX. This is a violation of President Trumps senior abuse prevention law. 
On XX/XX/XXXX. XXXX, President Trump signed into law the Elder Abuse Prevention and Prosecution Act of 2017 ( P.L. 11570 ), identifying the need for data on elder abuse. ... The law also enhances the Elder Justice Act and ensures that XXXX XXXX XXXX  can be used to protect the safety and dignity of all seniors.
Product: Credit card or prepaid card

I received offers from credit karma about Pre approvals of credit cards to build my credit, which I was not approved, thus causing my credit to drop due to the hard inquiries
Product: Credit card

( XXXX ) Around XX/XX/year>, Applied for XXXX ( XXXX XXXX XXXX XXXX XXXX ) credit card managed by JPMorgan Chase Bank , N.A . ( " Chase '' ). 
( XXXX ) On XX/XX/year>, received 1st Chase email ( copy attached ) that I have a credit card XXXX, and there is a letter in my account. This sounds good, I wish to accept the XXXXChase card that I applied for. But I open the Chase app to my personal account ( I have other Chase credit cards ) and find no reference to my having a card XXXX 
( XXXX ) On XX/XX/year>, receive 2nd Chase email ( copy attached ) that my card XXXX was charged {$99.00} ; was automatically enrolled in autopay ; and my " credit card statement is available '' with a big blue box to click on and review my statement. I click on the box, but it does not connect to any statement for XXXX. 
( XXXX ) On XX/XX/year>, I try to call Chase from my mobile phone ( which Chase has on file ). First, I try using the XXXX number to receive service, but the automated menu says it does not recognize the number and I am disconnected. I call using another of my active Chase credit card account numbers and press " XXXX '' to get a representative. The Chase rep says there is no record of my XXXX card nor any record of my filing a recent credit card application! 
( XXXX ) After an extended time running the Chase agent through the emails received, he discovers that, indeed, there was a recent card application on my account and that a letter has been sent in the mail denying such application. His resolution was to ignore the XX/XX/year> Chase email stating a charge was made to an account the Chase rep says is not valid. We request the Chase rep to send us an email confirming what he is saying. He denies our request. 
( XXXX ) As of today, XX/XX/year>, we have received no notification from Chase that there is not a valid {$99.00} charge ( or a supposed autopay procedure to collect such charge ) -- and no account in my name ending with XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, which holds entities accountable for negligent violations of the FCRA. Below are the details related to my complaint On XXXX, I filed a dispute with XXXX, As for Experian on XX/XX/XXXX regarding an inaccurate items on my credit report. This dispute was related to XXXX XXXX XXXX for the amount of {$2200.00}, XXXX XXXX XXXX for the amount of {$1200.00}, and XXXX XXXX XXXX for {$1000.00} Despite following all necessary steps and providing supporting documentation, the item was either not investigated properly or not corrected in accordance with the provisions set forth by the Fair Credit Reporting Act. 

As of XX/XX/XXXX, the credit bureau/creditor has failed to conduct a proper investigation, resulting in the continuation of inaccurate information on my credit report. This constitutes a violation of 15 U.S. Code 1681o, which holds parties accountable for failing to adhere to their obligations under the FCRA. 

I believe that the actions of Experian and XXXX constitute negligence in the processing of my dispute, which has caused financial harm and reputational damage. The failure to address the inaccuracies within the prescribed time frame, as well as their inadequate response, is a clear violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA called me 4 times within 4 days to verify if I was trying to open up an account. I told them this was not me and they told me I would not be penalized for the inquiries and they would be removed right away. They were not.
Product: Money transfers

This complaint stems from a dispute to a charge on my PayPal account. The primary reason use PayPal is for the protections I thought they provided. That and until very recently had no choice when using ebay although I still chose to use PayPal for the protection. I found myself in a bad situation where a seller on ebay sent a defective item and in the end, PayPal refused to provide the protection that they are compensated for. Processing companies make insane money for what are mostly automated transactions. They earn their money when consumers need protection and that includes against unreasonable policies where in this case, it ended up being PayPal 's policies and inability to apply common sense to the situation. After spending {$130.00} on the water heater which was defective upon arrival, the seller and PayPal found it reasonable that I would then be required to spend {$90.00} in return shipping since the seller was out of the country but yet chose to do biz in the US and knowingly is offering products where such issues will be inevitable from time to time ( no manufacturing process is perfect ). This is the perfect situation where consumers need the protection that a processing company should provide.
Product: Credit reporting 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. I told XXXX, XXXX XXXX equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Debt collection

I admit to having business with XXXX XXXX but have never once been told I owed them money and I still receive letters to this day regarding a business I once owned but not 1 stating I owed them any money yet CAINE & WEINER COMPANY INC has reported on my credit that there is a debt in collections before sending me any kind of letter or even trying to contact me by phone. Is this not illegal to take action on my credit report before notifying me of any debt?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and as allowed under the Fair Debt Collection Privacy Act ( FDCPA ), I am requesting that you validate the alleged debt with XXXX XXXX XXXX and provide proof of proper investigation. 



Please provide me with a breakdown of all charges and dates of service. 

Additionally, reporting of this debt prior to allowing me to validate may be a violation of the Fair Credit Reporting Act ( FCRA ), which can allow me to seek damages from your collections agency. I will await the proof for 30 days, and if proof is not provided it is considered invalid and I expect XXXX XXXX XXXX  to be removed from my credit report. 

All Accounts are listed below : XXXX XXXX XXXX Thank you
Product: Debt collection

Be advised, the following company DPT ED/NAVI is attempting to collect alleged debts not owed and has obtained my personal and confidential information without my consent or permission. DPT ED/NAVI must immediately cease and desist all attempts to contact me other than to comply with my demands. I as a federally protected consumer and natural person am demanding that this company cease all unlawful attempts to collect alleged debts not owed to them immediately. Any further attempts to contact and harass me in regards to these alleged debts will result in legal ramifications.
Product: Student loan

When I reviewed when credit report accoubt, it shows on the student loans that MOHELA has opened two accounts, and it now doubled my student loan debt on my account. It should only be one account/account. Now it looks like that I have more debt than I do. I have reported it to XXXX.
Product: Student loan

On Wednesday, XX/XX/XXXXXXXX XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the XXXX XXXX XXXX website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for 20k in forgiveness. Throughout the pandemic I paid almost $ 10k in payments. 

It seems as though Edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, aidvantage are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and Edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart. 

To top it all off, my personal data ( SSN, name, etc. ) was leaked by them on XX/XX/XXXX and it took them an entire month to alert me.
Product: Bank account or service

Accidentally uploaded the same check twice after being heavily medicated. All accounts where closed because the same check was uploaded. Shallow investigation done. Been a member since XX/XX/XXXX or XX/XX/XXXX. Never had this issue. Was not given an opportunity to provide any information or documentation regarding what happen. Was n't informed the account was closed until after I called and then I received information in the mail. Waited over 90 days to get the funds that were held.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX credit collection on my report. It is being reported by Jefferson collection services. This was just placed on my credit report XX/XX/2020. I have not had an account with XXXX XXXX. My cell phone billing has been through XXXX XXXX for several years now. I have not received one letter or one phone call pertaining to this account. This is fraudulent and not accurate. I check my credit  reporting through the credit agencies almost daily. Its the only negative mark on my credit report and please do what you can to have it removed. Thank you
Product: Credit reporting or other personal consumer reports

( showing open account as closed, showing delinquent account when it's not ) missing information and balances are wrong company reported a charge off account and illegally continues to report monthly which is considered debt collection damaging my scores
Product: Debt collection

XXXX XXXX  continues to call me regarding my daughters debt. I am not an authorized user on that account.

They are harassaing me, calling multiple times a week. They have all of my daughters information, no need to contact me. They are also threatning and state that she needs to find legal advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got a report from XXXX XXXX. It stated that my XXXX XXXX XXXX account was closed. Which dropped my credit score -XXXX  points on XXXX. And -XXXX  points on XXXX. I then contacted both credit bureaus to ask about getting it disputed. They told me I have to contact ESUSU the credit company that put this inquiry on my credit. I contacted them gave them the information and they said they have to do an investigation. I went to my leasing office and told them what is happening. They dont know why it was put that my account was closed. I havent had any late payments or eviction notices. I got copies of my on time rent payments and lease. For proof that my account is open. And I want my score back updated and this mistake off my credit report.
Product: Credit card

I have always made sure that payments on this account are timely, never allowing them to become overdue. I am unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX WONT EVEN ALLOW ME TO DISPUTE ONCE I LOG ON.. 

XXXX XXXX EVEN ALLOW ME TO LOG IN OR RESET THE PASSWORD XXXX I EVEN CALLED THEM TODAY AND THEY REFUSE TO CORRECT MY NAME AND ADDRESSES. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( i will only respond to email, no phone solicitations ) you are violating my rights with the false information. i am attaching all documents Drivers license, Birth Certificate, SSN, Passport.. my name needs to match my officail documents
Product: Debt collection

4 years ago, XX/XX/XXXX, I terminated my XXXX account. They had told me as long as I return the phone, it will terminate my contract with no fees. I went into the XXXX store and returned my phone. I asked the representative if I owed anything at all, several times, to which they said no and provided me a receipt saying that I owed {$0.00} to XXXX. I thought I was all clear. 1 year later, XX/XX/XXXX, I applied for a loan on a car and XXXX showed up on my credit report saying I owed {$680.00}. At the time, I luckily still had the receipt. I went into the store and provided the receipt. The representative said that they would take care of it, I did not owe anything to XXXX and they would send a letter to IC Systems saying that I did not owe anything. Again, I thought I was clear. 3 years later, XX/XX/XXXX, I am applying to buy a house and again XXXX shows up on my credit report with the same charge of {$680.00}. I immediately call XXXX, I speak with a supervisor named XXXX. XXXX says that I do not owe anything to XXXX and it is just though the debt collector IC Systems. He said that he sent a note to IC Systems that I am clear of all balances to XXXX and do not owe anything and I could call IC Systems right away. I got part of this conversation with XXXX recorded because when I asked for a receipt of this, he refused. Upon calling IC Systems, I find nothing was sent to them clearing my balance and I ask for a receipt and they also refuse on their end. I try to call XXXX back and can not get a hold of XXXX and get hung up on not once but several times. Finally I manage to get a hold of a supervisor, who was absolutely rude and says that the balance above is from terminating my contract early ( first time hearing this 4 years later ). I looked it up online and it says that for XXXX in some cases there is a early termination fee, of $ XXXXmonth with a max of {$350.00} and {$100.00} for the phone making the {$680.00} not possible. Upon asking, they have never been able to fully explain the charges just the overall number. However, I was told for the past 4 years that I did not owe anything and had {$0.00} balance anytime I spoke with a representative. Nobody has even tried to contact me for the balance in the last 4 years, I only found out through my credit reports. Please resolve this as XXXX and IC Systems has ruined my credit for a reason I am not responsible for and for the past 4 years.