23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received a notice from Portfolio Recovery Associates trying to collect on a debt I do not owe. 

I Mailed a letter to Portfolio Recovery Associates on XX/XX/XXXX letting them know I do n't have a debt owed to them. 

I asked them to prove this account was mine. 

I have not heard from them. 

This collection account is not mine. I do not own Portfolio Recovery. I have attached a copy of the letter I received from XXXX XXXX XXXX XXXX which is dated XX/XX/XXXX which has the account number : XXXX I have also included a copy of my old credit report from XXXX which is dated : XX/XX/XXXX which was 7 years and 3 months ago which had Portfolio Recovery listed with the same account number of : # XXXX This account is actually a " Time Barred Debt '' after 4 years. According to the old credit report Portfolio Recovery Associates opened in XX/XX/XXXX and was last reported XX/XX/XXXX. The original Creditor was listed as : XXXX XXXX XXXX which I have no recollection of when this account opened. I do n't remember even having an account from XXXX XXXX XXXX. I do not owe this debt as it shows it was issued in XX/XX/XXXX. This was 12 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Debt collection

Four months ago via phone requested that they not contact anyone but me - People outside of me were contacted and asked to verify personal information
Product: Debt collection

Lender continues to call my place employment XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Leaving messages with co-workers
Product: Payday loan, title loan, personal loan, or advance loan

I tried to set up a payment plan and they said no that can't be done
Product: Student loan

I transferred to XXXX XXXX on XXXX XXXX back in XX/XX/XXXX-XX/XX/XXXX and according to them I was not able to receive financial aid due to the fact that I was attending a satellite school in XXXX, MO while my physical location was XXXX XXXX, TX. I was told that because I did not qualify for financial aid Pell grant that I needed to get the student loan offered at XXXX XXXX XXXX XXXX. 

I logged into the financial website back in XX/XX/XXXX and notice that XXXX XXXX collected on a Pell grant in TEXAS. I never received a refund but I was put into this student loan that I don't see the amount lowering because they are collecting on interest instead toward the principal. Mohela has been changing the terms and conditions since on the loan since the original promissory note that I have the original copy. I can mail or fax in any documentation you may need clarification. 

XXXX XXXX collected on my Pell grant close to {$9000.00} and also on my VA benefits and now they have me on this debt of an old student loan that I can not seem to lower the principal in all the time that it has been under my name dating back XX/XX/XXXX. This was all done because XXXX XXXX mislead me and collected on my Pell Grant and Ch-35 VA Benefits. 

I feel they are unethical and are over charging me for a tuition that my Pell grant and VA benefits paid for back when I attended XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. My total tuition for the school was no more give and take {$6000.00}. 

My interest rate with this loan was in the low 1.5 % initially and now is close to 7.0 % after I have asked mohela to lower the interest rate and to put my payments towards the principal. Nothing has changed I feel since XXXX XXXX  pocketed the Pell grant and lied to me about this loan. I feel this is wrong and want them to at least deduct my Pell grant they took from the total amount of this loan. 

I have good credit and I have been giving them payments that I can afford based on my budget. I still feel that I am paying a debt that is not lowering this student loan and feel I am unethically being charged by Mohela. I have already paid Mohela close to {$5000.00} and the amount in debt is still {$7300.00} and the initial loan was around {$5000.00}. I am reaching out to you in attempt to mediate and take this debt out of my life.
Product: Checking or savings account

I received a solicitation from Chase Bank in the US-Mail encouraging me with a {$250.00} ( not {$200.00} as the bank claims ) reward if I opened a new savings account with {$15000.00} and kept it in for 6-months. So on X/X/17 I opened a account as a new customer using the coupon and the bank representative kept it. 

After the six-month period expired I attempted to close the account and yield the reward. But the bank told me they had forgot to to enter the " coupon code '' into their computer system. So I was told they would fix the problem if I came back a few days later. So I did. But they did n't fix it. The Bank Manager XXXX XXXX told me to get another coupon and he would fix things. So I did. XXXX entered the coupon code into the system and then tried to keep it the coupon. I asked for it back so I would have documentation. He gave it back and told me to come back after some period. So I waited at least a week and returned. Still the bank had not fixed the problem. A bank rep. then told me to come back at XXXX XXXX and talk to the Manager XXXX. I never agreed to come back at that time. Instead I waited about a week and returned. 

This time I met with XXXX and he told me he was only authorized to give me {$50.00} but that he would n't do that because he did n't feel like it. Then he handed me a check for {$500.00} and told me to leave the bank. 

I never told him to close the account. I was trying to close the account but not till the problem was fixed. 

I never received the {$250.00}. However I did get XXXX cents in interest. 

I kept my end of the deal but Chase Bank gave me the run-around and violated our contract.
Product: Checking or savings account

In XX/XX/2021 between XXXX I went in to Bank Of America to deposit my unemployment check of {$2200.00}. I told the teller ( XXXX  ) who was there to cover a shift that day from a different branch. She was having multiple errors and confusion. I told ( XXXX  ) to deposit {$2000.00} to my savings and get the rest back of {$250.00}. She was having difficulties, and was taking long. I told her never mind just give me back my check and Ill deposit it outside the ATM she replied and said no I got this denied my request. She made me sign a paper and I didnt have my glasses so I couldnt really read what it said and she did not explain. Teller XXXX XXXX XXXX made a transfer from my savings to checking of {$200.00} which I did not request or approve. She transferred back {$200.00} from checking to savings. Finally she only gave me back {$250.00} from my check. I later on noticed that I only had a deposit back of {$1000.00} from my unemployment check and the other {$1000.00} was missing. I went back and spoke to branch manager. We went over transactions and she told me it says I got back {$1200.00} but I did not. I only got {$250.00}. I told her I want to file a new claim. I called number behind card. Spoke to 7 claims people and no one helped. They all gave me different answers and had me going back and forth to branch manager who also kept telling me to call claims department and claims department. I requested camera footage of that day and get over with and have proof of not receiving {$1000.00}. Claims department kept telling me to go talk to branch manager for her to request the footage. Branch manager had no clue why to do. This has been causing me so much emotion distress, Im XXXX  my XXXX XXXXl and XXXX has been very high. I Finally requested to speak to claims manager and request surveillance of that day. Claims manager denied and asked the only way for manager to obtain footage is from a police report or take it to small claims. I received a letter from Bank of America and they did not resolve my request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting my personal financial information to the credit agenciesXXXX XXXX, and TransUnionwithout my written consent for XXXX accounts ( accounts starting and ending in XXXX & XXXX. Effective immediately, they need to cease submitting this information, as it constitutes a violation of the Fair Credit Reporting Act ( FCRA ). According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Transunion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX, XXXX and Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion, and XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' These accounts are an adverse item XXXX XXXX is reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of their reporting services.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Fraudulent Account JPMorgan Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, On XX/XX/XXXX, there was an account opened in my name that is fraudulent and has never belonged to me. After multiple attempts to contact and dispute this account due to identity theft there has still been no resolution. Unfortunately, this has left me no choice but to file a complaint with with the XXXX XXXX XXXX XXXX. To resolve the problem, I would like to demand that this fraudulent account to be removed from my credit report as it does not belong to me and is identity theft. I have disputed this account multiple times to no avail. Your company has been negligent in identifying this as fraudulent account. My credit and life have been ruined due to your negligence. I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. 

Sincerely, XXXX XXXX
Product: Mortgage

I'm not sure why you closed the last complaint? Just because Wells Fargo replied it doesn't mean what they said is correct!!! I'm very disappointed and feel you should push harder!!

Wells Fargo is still attempting to move the wrong amount of money to the backend of my loan! I have a letter in which they state I owe for 4 months in the amount of {$3800.00} instead of the 3 months I owe, for one, {$2900.00} is the most I owe for the 3 months I did not pay. They say I owe XXXX - XXXX {$950.00} which equals my monthly payment, proving they are trying to move 4 months. I also paid to escrow on XX/XX/20 {$1400.00} so the balance should only be {$1400.00}!! They are insisting that HUD demands they move they whole balance to the end no matter what I paid, but I just got off the phone with HUD and am filing a case of fraud with them which they suggested I do because there is no clause that states they have to do it the way Wells Fargo insists HUD demands. XXXX with HUD informed me the only wording they provide is " Balance OWED for suspended mortgage payments! '' She was confused as to how they came up with their wording and insists this is not a HUD requirement! She has sent me the info to file a fraud complaint against them with HUD and feels what they are doing is not proper!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX/XXXX and XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5, 6, 7, 19, 20 and 21 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit card

Capital One solicited me for a SavorOne credit card based on my credit history, with 0 % APR on purchases for the XXXX 15 months and 0 % APR on balance transfers for the 1st 15 months. I accepted their offer and card was mailed out to me. upon receipt, in setting up my online account via their Capital One app I found that they did not honor their 0 % APR in balance transfers. they listed 29.99 % APR on my account. numerous phone calls, discussions with their balance transfer " team '' - beginning with my 1st call/complaint on XX/XX/XXXX - Capital One/SavorOne have not reversed the 29.99 % APR on my account. I offered to scan to them what I received IN WRITING from Capital One/Savor One when my account was approved and credit card mailed out to me ( which plainly states my account has both 0 % APR for both purchases and balance transfers ).
Product: Credit card

American Express reduced my credit limit from {$10000.00} to {$2400.00} in XXXX XXXX. This action ruined my credit score and Im still being affected by it 6 months later. The reason in their message sent to me on XXXXXX/XX/year> was after a recent review, your credit limit has changed. 
I always made my payments on time and to this day Ive never been late with payments on any credit cards, but because of Amexs sudden and drastic action my credit score fell XXXX points and made my other credit card companies panic & lower my credit limit. 
I got cash advances from Amex while I was studying for a professional exam to get back to my higher paying professional career. I passed my exam and got a high paying job but Im still poor because I pay hundreds of dollars of interest every month and all my paychecks goes to paying bills. This is all because of American Express ruining my credit. No bank gives me 0 % transfer cards so that I can pay off my debt. All my cards are 29.99 % interest same as Am Ex. Ive paid American Express all my payments on time and at least {$500.00} in interest at 29.99 % rate so they made money off of me while they ruined my credit and made me lose so much money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX/ $ XXXX XX/XX/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 XXXXXXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX regarding an error on my credit report with TransUnion. After carefully reviewing my report, I discovered that TransUnion 's statements concerning XXXX XXXX were correct. They reported that I utilized {$290.00} of my credit while my actual balance was only {$2.00}. This discrepancy resulted in TransUnion removing XXXX points from my credit score. Instead of acknowledging this mistake, the representative claimed they did not have access to my credit report despite being able to report information on it. I expressed my concern, stating that they should not adjust my report if they do not have access ; otherwise, I would pursue legal action. The agent reiterated their claim of having no access and refused to rectify the error.
Product: Debt collection

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX. XXXX XXXXXXXX XXXX XXXX Balance {$10000.00} Open Date XX/XX/year> XXXX. XXXX XXXX XXXX XXXX Balance {$25000.00} Open date XX/XX/year> I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it. I AM A VICTIM OF IDENTITY THEFT.
Product: Vehicle loan or lease

I have a lease through Ally Financial and recently was in an accident where the vehicle was declared totaled. The other driver was found completely at fault as they ran a red light at near 70mph when they struck my leased vehicle that was fully covered by insurance here in Michigan. Upon declaring it totaled, my insurance ( XXXX XXXX ) quickly sent over all needed documents to Ally Financial to help expedite the process of paying off the vehicle and removing the loan from my credit. 
My insurance called and confirmed they had received the fax containing all the documents. The next day, I called to ensure all paperwork was received and to get a timeline of the process from there. They stated they received nothing from my insurance. I had my insurance email everything over and confirm again that everything was received. I then called again to ensure they had everything. I was informed 5-7 business days from then, they would have the Letter of Guarantee sent to my insurance. 
I waited 7 business days to call back and was told they still have not finished reviewing the documents or sent the Letter of Guarantee to my insurance. When I asked why the timeline of 5-7 business days was not met, customer service representative XXXX ( last name not provided as she stated it was against policy ) said they needed time to review the documents and they have had system issues, to which she wouldnt elaborate. I let her know that I was informed when they received the documents that the 5-7 business days were to review, prepare, and send the Letter of Guarantee and that system issues are not my fault nor was I informed prior. She had no comment. 
I asked to speak with her supervisor and was told that there is no supervisor to speak with at this time ( during business hours ) but she could make a note and one could call me back in 24-48 hours. I did not receive a call from a supervisor within 48 hours of our conversation ( time would be no later than XXXX XXXX on Thursday XX/XX/2022 ). I did receive a call just shy of 72 hours later ( XXXX EST on Friday XX/XX/2022 ) but was unable to answer due to work. I called back on Tuesday XX/XX/2022 at XXXX XXXX and left a voicemail as there was no answer. 
I made sure I was available to answer any calls received through the 48 hour window ( even at the impact of my job ) and no attempts for contact were made during that time. Instead, a contact attempt was made 2.5 hours before the end of the supervisor 's work week, leaving no time to resolve this issue before the weekend. Based on XXXXXXXX XXXX ( the supervisor who reached out to me ) schedule, Tuesday was the soonest I would be able to call during business hours ( XXXX EST ) and there was no answer or callback received. 
This issues is keeping the account open, payments remaining due, and my credit being impacted. Myself and my insurance have been nothing but quick, but Ally will profit off me from dragging their feet and remaining vague on their answers as to why this isn't being taken care of per the timelines they are providing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2020, I wrote to you requesting an investigation into items that I believed were INNACCURATE. Under federal law, you have thirty ( 30 ) days to complete your investigation. It has been well over 45 days, almost 2 months.
Product: Credit reporting or other personal consumer reports

Today, XX/XX/XXXX, I requested via phone to have an obsolete credit inquiry from XXXX XXXX XXXX  removed from my credit report. The inquiry was made on XX/XX/XXXXXXXX  and was set to be removed on XX/XX/XXXX. That inquiry remains on my credit report even though it has reached the maximum allowed reporting time limit of 25 months. I requested to have the information removed with the reason being that it is obsolete. This morning, I received notification that the inquiry will remain on my credit report despite it being past the legal reporting period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in dispute letters to the three credit agencies XXXX, TransUnion, and XXXX  to have them make the necessary corrections to my credit reports. I mailed the dispute letters on XX/XX/2019 and I have not received a response from them yet.