23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

For months I been contacting ERC to removed derrogaroty remarks out of my credit report. I own XXXX  credit card with XXXX for 15 years or more, before covid started I put myself behind, NEVER in 15 years late, with a total line of credit of {$8000.00} never used. 
My Dad got XXXX anf priorities shifted, I still called them and I was unemployed in XXXX for 6 months and I keep them informed. In XX/XX/XXXX I resolved this debt in a settlement of {$900.00} with ERC the cpllction company XXXX  used to collect, they pulled the wrong amount due to being made over the phone with a debit card ( never again ), they pulled {$1200.00} so the bank reimburse me for {$330.00}. I called them in XXXX I told them I needed to be reported diferent in my credit since I have already paid, they advise me to talk to XXXX  that they do not do any reporting. Is been a a totally struggle and right now this account is preventing me to refinance my home. In XXXX XXXX I sent letters to XXXX XXXX the 3 credit bureau XXXX to XXXX XXXX after hearing the shoking news that my account have not been paid, this letters included copies of bank statement, letter of settlement and they still doing nothing about it. I also faxed the probe to them and e mail the satements This is unfair dealing I had paid this account in the settlement they agreeded upon which was {$900.00}. I need them to fixed I called the Law firm  XXXX XXXX and a lady by the name of XXXX XXXX said that they been handling my case as a complaint not as a dispute and that allow them to revised ONE more time the documents I Sent XX/XX/XXXX to her e mail at XXXX and give them 5 days to call back for the status. 

XXXX of XXXX showed amount pulled by ERC-XXXX  XXXX XXXX XXXX on XX/XX/XXXX transaction Statement of XXXX showed amount of {$330.00} a provisional credit from transaction XXXX.
Product: Debt collection

XX/XX/XXXX I received a statement from XXXX that I owed a debt of {$150.00}. 

Returned a call from XXXX XXXX explained how I paid my final bill in the XXXX XXXX XXXX last monthly payment of XXXX at the store XXXX XXXX, Sc on XX/XX/XXXX statement date XX/XX/XXXX. My daughter was putting me on her family plan. I HAD TO PAY THE ENTIRE BALANCE IN OR TO CLOSE MY ACCT AND TO BE PLACED ON A FAMILY PLAN, WHICH LOWERED MY UPCOMING COST. 

XXXX SAID get a bank statement did, and sent it to a different letter to Her copies of statement and dispute letter .i did. 

XX/XX/XXXX I called at & t see if it was off my bill. They did not see I owed I thought it was done taken care of w dispute letter. 

XXXX/XXXX I got a call saying it was still in collections w now DCI. I sent another note on the XXXX paper and told to send to DCI.com and I did,! along again w statement. 

I have not received an email call or text saying it was received, I chked my XXXX and it is still there that I have NOT tried to take care of it. 

I paid my debt at the XXXX XXXX w bank bank stmt XX/XX/XXXX. I do NOT owe them any more money.all my bills I pay. 

XXXX XXXX Please help me. Thank you. 




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Product: Credit card or prepaid card

I requested to dispute a transaction from XXXX using my chase blue sapphire credit card for the amount of {$880.00}. Due to the COVID-19 pandemic, I have to cancel my trip, however, I never received this refund. The hotel confirmed me that they have already refunded XXXX, so, there is no legitimate reason for XXXX to not refund my charges. I requested Chase to dispute this transaction, but the initial investigation from Chase revoked my claim. After I submitted another request, providing all the necessary document/record, demonstrating that I have correctly followed the special cancellation policy that XXXX posted during the Covid-19 pandemic, Chase still rejected the dispute.
Product: Student loan

I had a period of medical and financial hardship back between XXXX and XXXX of 2014, where I was late through that time period. I got caught up as quickly as I could, and have been on time ever since. Unfortunately, those late payments are now costing me thousands of dollars worth of higher interest rates. I have asked for a XXXX removal of those late payments, but Navient will not budge. I do not feel it is fair to continue to punish me for a period of time I had very little control over. All I am interested in is the removal of those late payments from my Credit Report so that I can move on with my life.
Product: Debt collection

Klarna sold off account to XXXX XXXX. 

on XX/XX/year> - paid XXXX XXXX {$120.00} and was told account was settled in full. 

on XX/XX/year> - balance was not updated as settled and told they refuse to update balance with both XXXX and Klarna.
Product: Checking or savings account

They locked my account for no reason. I have money coming into this account XX/XX/2023 that I need to access to pay my rent for my children and I. They are rude constantly hanging up in my face saying if I dont know the safe word they cant help me. I provided the number I have on my account but they said they can not use it. I ask them can they verify me with my social, birthday, debit card and state I.D information they told me no. So what now? I will have to get a lawyer because they are stealing my money! I am not the only person. That is going through this. Check XXXX you will see hundreds to thousands of others saying the same thing. I will be homeless with my children because of this!
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/GAP, phone ( XXXX ) XXXX. I do not recognize this at all. I do not know why SYNCB /GAP is showing on my credit report as a hard inquiry. I need help to get this remove from my credit report. I do not recognize it.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX are in violation of 15 U.S. Code 6801 - 6805 and 16 CFR 313.2. 

XXXX, EQUIFAX and XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX Status charge off- When a debt is sold off to a third party debt collector or it is considered charged off that is now considered a certificate of indebtedness. A charge off is considered income and income can not be reported on a credit report. Please remove account and everything relating to said account from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status charge off- A charge off is considered income and income can not be reported on a credit report. Please remove account and everything relating to said account from my credit report. 

XXXX XXXX XXXX XXXX : XXXX Status CLOSED : why is this account still reporting on my credit report. account is set in CLOSED Status yet I'm still getting notifications that its still reporting account is also in collection status. no third party collection agency has my written, verbal or physical consent to furnish information on my credit report XXXX XXXX XXXX : XXXX Status ( Account Paid in Full, was a Repossession ) - This is incorrect account was paid in full and paid as agreed was not a repossession. All payment dates should reflect account being paid in full. otherwise remove the account because it is negatively affecting my credit score Inquiries : There's a total of 50+ inquiries on my credit report per 15 U.S. Code 1681b Permissible purposes of consumer reports.

Unauthorized Inquiries : If any of those inquiries were made without my consent or for reasons not permitted by law, that could be a violation of my rights. I should have been informed and agreed to any hard inquiries.

Impact on My Credit Score : While multiple inquiries for the same type of credit, like a mortgage or auto loan, are often treated as a single inquiry, having excessive hard inquiries can negatively affect my credit score. This could make it harder for me to secure loans or get favorable interest rates.

Potential for Fraud : A high number of inquiries could indicate fraudulent activity. If I see inquiries that I didnt authorize, it might suggest that someone is using my information without my knowledge.

Right to Dispute : I have the right to dispute inaccurate information on my credit report. If I believe there are inquiries that shouldnt be there, I can request a correction through the credit reporting agency.

Dates on these accounts are not aligned, payments not aligned, status not aligned. please remove all inquiries and account furnished above on my credit report. It is expected of you ( XXXX, EQUIFAX, XXXX ) to act in good faith and show proof of said claims that you are in violation of. 

Phone Numbers : None of these phone numbers are mine my only phone number is XXXX. All others below are incorrect and inaccurate. Please delete all of them except for the one provided. 

( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Without prejudice XXXX, XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I financed Solar panels from XXXX owned by XXXX in which XXXX XXXX installed multiple panels on my roof. These solar panels financed through XXXX XXXX has a balance of over XXXX. 
I was promised {$1600.00} from sales reps to cover a years worth of electric bill from the utility company as solar panels doesn't give an immediate saving per sales rep. 
I was also told I should be receiving savings from solar panels once connected. Yes, totally confusing. 
Therefore, I started putting my thermostat on 70 instead of 78 because of possible savings. When I received my utility bill from electric company, my savings were XXXX the XXXX month and {$1.00}. 
I have been calling daily trying to reach owner, XXXX, but he will not take my calls. I have spoken with XXXX, the CFO of the company ; however, he stated he doesn't know anything about panels and stated the {$1600.00} will not be given to me since the sales rep made an error on the contract. So I reached out to the finance company and sales rep and inquired about the {$1600.00} promised amount and also possibly removing these panels. since there are no savings. The sales rep stated they no longer work for XXXX XXXX because they have proven not to be a good company to do business with. 
Please help me, I can not continue to deal with this stressful situation. Due diligence was not given to me. XXXX did not do as they said and the XXXX solar panels are not operable. I am requesting these solar panels be removed and the roof repaired if damaged upon removal. This is fraudulent.
Product: Credit reporting or other personal consumer reports

In disdain of multiple previous written requests, the incorrect accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to correct or remove the accounts.This is my several request to the three Credit Bureaus abut yet it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular accounts position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please correct or remove these accounts which are inaccurate from my personal credit file : DEPTEDXXXX XXXX Balance Owed : {$23000.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

DEPTEDXXXX  XXXX Balance Owed : {$19000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX Balance Owed : {$2400.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit card or prepaid card

Capital one put 3 adverse accounts on all 3 of my credit bureaus. These accounts are not mine. I am a victim of identity theft. These accounts are not mine and must be removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact Equifax regarding inaccurate information on my Credit Report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries are 4 mo. apart and on the same day. I never authorized XXXX to keep accessing my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries are 10 mo. apart. I never authorized XXXX XXXX to access my credit file XXXX   XX/XX/XXXX I have no idea who this company is I never authorized XXXX to access my credit file XXXX  XXXX never authorized XXXX  XXXX to access my credit file.
Product: Debt collection

I have disputed this account from XXXX XXXX and its still reporting on my credit reports. This school loan isnt mine and I have never took out any loans from this school. I never received any contact ( phone, email, letters ) from this school saying i am a student and owe this debt. Please delete this collection account of my credit reports. This isnt my debt and i dont owe nothing to this school. This collection account showed up on my credit report XX/XX/2018. I disputed and the company said the collection account will be deleted from all three Bureaus but as of today XX/XX/2018 this company is still reporting on my credit. My credit is being messed with by this company.
Product: Debt collection

I have contacted XXXX on numerous occasions asking that the collection for XXXX for the amount of {$2100.00} be removed due to the fact that XXXX XXXX and XXXX no longer state I owe this amount.
Product: Credit reporting or other personal consumer reports

I was recently notified that my credit score had dropped by XXXX points. Upon investigation, I learned that XXXX is reporting student loans of $ XXXX for " Mohela '' and another $ XXXX for " Mohela/Dept of Ed. '' These are plainly and clearly duplicate accounts that resulted from Mohela 's recent restructuring. They say it will eventually disappear, but there are news articles to suggest otherwise. XXXX is very quick to dismiss my disputes, saying the information is valid. Common sense and a tiny bit of care would lead anyone to realize if I had a $ XXXX loan for years and suddenly I had a nearly identical and additional amount owed ( the difference amounts to a monthly payment being reflected on the most recent, not on the older account that should no longer exist following the internal transfer ), then this can not be valid. Student loans are not taken out in tens of thousands of dollar increments! But probably XXXX doesn't have any college-educated people on staff, so this may be lost on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The response XXXX, XXXX, TRANSUNION is not consist with the Fair Credit Reporting Act or FCA. The Fair Credit Reporting Act gives the credit bureaus no more than 60 days to complete a complaint of a customer. 
The credit bureaus never responded to my initial complaint dated XX/XX/2020. So therefore the credit bureaus only have 30 days to answer my complaint fully from the date of XX/XX/2020 this is an continuing case that with no response from XX/XX/2020 case. That I do not have an account with XXXX and I do not owe XXXX any money as the credit bureaus are reporting. If the credit bureaus fill I owe another creditor than they should report the that creditor so I can issue a dispute with that company. Like I did the XXXX account. XXXX has issued a written statement stating I do not owe the company any money. The XXXX state my XXXX was sold and they are not the original creditor any more. My account was sold to XXXX. XXXX XXXX XXXX is a fraud reported by the state of Michigan. Once account is sold then the original creditor would be listed as XXXX. Have your client XXXX XXXX XXXX to send me documents that the original creditor is XXXX not XXXX with the creditor Code so I can send the documents to the state of Michigan for review. So to all the credit bureaus have your client XXXX XXXX XXXX send me documents stating XXXX XXXX purchased from the original creditor XXXX onXX/XX/2020 my account for {$270.00} with the chain of custody. Then I will send the documents to the state of Michigan for review. The XXXX account the Credit Bureaus list for $ XXXXis not mine. 

Under the Fair Credit Reporting Act the original creditor is the last creditor to hold the account and that would be XXXX. 

Thank you,
Product: Mortgage

I made my payment on time but it was short although I was unaware at time that payment had changed due to end of year refiguring. They put that payment into suspense and took my next adjusted full payment and applied to last payment leaving me a month behind. They never contacted me and left the other payment in unapplied account. This went on for year and a half during XXXX. I did get statements showing payments behind at the time and late payments some showing current some showing XXXX payments behind XXXX showing shortage that I sent and I even paid late payments. During this time I also received a letter saying payments were being received late due to mail problems so I sent my payments earlier to avoid late payments. Never advised I was showing a payment behind. Eventually they charged my mortgage account for bad debt insurance policy. I am on XXXX for XXXX XXXX and admit I can not handle stress and easily get confused on paperwork when I used to be Comptroller and handled huge accounts so I avoid conflict but I finally called and started the fight. My bank informed me that my online payments do not go through the mail but are ETF and they get same day, eventually I argued with Wells Fargo all day and found out they held my payment in an unapplied account for months then applied supposedly to my balance instead of payment. They took into profit all my late fees although I was not late. They took into profit a bad debt insurance policy they created without my consent and Im sure have renewed each year and affected my credit with no reason whatsoever and when they discovered their mistake offered no apology or recompense.
Product: Checking or savings account

On XX/XX/year> the merchant, XXXX XXXX had a pending transaction for a total amount of {$35000.00} from our business checking account.I proceeded to contact South State Bank and notified of the un-authorized transaction. I noticed after checking my account balance on XX/XX/year> that- {$35000.00} was debited from my business checking account by the XXXX XXXX. I had reached out to the financial institution, South State Bank on XX/XX/year> to request a stop payment be put in place to XXXX XXXX. I was told this had been done. On XX/XX/XXXX I had reached out to South State Bank for an explanation of why funds were taken and spoke with XXXX, ( assistant branch XXXX ) the explanation therepresentative of the financial institution, South State Bank provided me was " The merchant had debited the account and payment had posted and there was nothing she could do I explained this was not an authorized transaction and it needed to be reversed. I was flabbergasted by her answered, confused and now determined to get to the bottom of this. 

As of today, XX/XX/year> this matter has not been appropriatelyaddressed. I want to have this resolved, as I believe this was an XXXX error on the financial institution, South State Bank. I would like to know ; ( XXXX ). Why was I not given prior notification by phone, email or text ofthe XXXX transaction that took place XXXX XXXX, 2024?, ( XXXX ) .Does a merchant indeed have access to my account and allow to withdraw money whenever they please?, ( XXXX ). Who authorized this XXXX transaction?, and ( XXXX ). If it was not authorized was there written approval of a preauthorized XXXX? 

I find that the financial institution, South State Bank is in violation of Regulation E ( C.F.R. 1005 ) and I am requesting a formal claim of error investigated pursuant to 15 USC 1693f. I contacted the financial institution, South State Bank pursuant to 15 USC 1693g ( a ) ( 2 ) on XX/XX/year> and was made to believe I had no other recourse in this matter. This was false and deceptive practice by the representative of the financial institution, South State Bank. I did not authorize ( 12 C.F.R. 1005.3 ) or preauthorize ( 12 C.F.R. 1005.10 ) the financial institution, XXXX XXXX to perform an XXXX of my business checking account. As a consumer, pursuant to 15 USC 1693a ( 6 ) I am invoking my consumer right to have this matter investigated and resolved.
Product: Student loan

I was not told that interest would capitalize on my loans with XXXX XXXX XXXX when I was in forbearance in XXXX. I was in the process of trying to enroll in IBR and instead directed into forbearance as a better option. I recently looked at my records and there are multiple charges of interest capitalization totaling over {$65000.00} between XXXX and XXXX. At the time I was in XXXX   and thought that it was just the interest from XXXX school  capitalizing, but looking back at the account now, something is suspicious and I see at least {$65000.00} of interest that capitalized between XXXX that doesn't make sense on their paperwork and seems excessive. There is {$28000.00} of interest that capitalized in XX/XX/XXXX when my grace period from XXXX school  ended which makes no sense since the interest was already capitalized on earlier statements and I was not even in forbearance. It happened again when I was in forbearance but again, I was not told that the interest would capitalize when in forbearance, just that it would accrue. 

Also, I have made payments in the past year to completely wipe out certain loans and then the next month there was nearly {$1000.00} back on the account. When I try to resolve with the company they always have an explanation, but not one that really makes good sense. 

I just thought I had overlooked something, but now I have heard that they are making errors like this and have been looking into my account and find it almost impossible use their system to understand my loan balances and how the balances are being calculated. I feel very uncomfortable, similar to when I had a property manager who turned out to be stealing from me by using a rigged spreadsheet to calculate my revenue. 

I have a significant amount of student loan debt from XXXX  school ( {$260000.00} borrowed initially ) however over {$200000.00} in interest has accrued since I have been in XXXX. It just doesn't make sense that {$65000.00} worth of interest could accrue within the first two years and then be capitalized without me being told this would happen. If this is an error the interest that has been charged on these amount will need to be recalculated as well because I should not have to may interest on principle that was improperly capitalized interest. 

The amounts they report that I have paid in total so far also continues to fluctuate and seems to be wildly inaccurate on some of their spreadsheets and account statements. There is not good information and easily accessed information on the website. It is very difficult to make sense of how they are keeping track of the principle and interest. 

Something is wrong and I need to get it cleared up.