23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid off my timeshare loan ( {$2100.00} ) with XXXX XXXX XXXX, in XX/XX/XXXX. I got a letter confirming my payoff. As well as a share from their company stock, also confirming my payoff. They called it a " confirmation certificate '. 

In XX/XX/XXXX, I sold my XXXX XXXX membership to a different timeshare company. I filled out the proper documentation for the " owner transfer '' with my new company. The following year, XXXX I get a statement that my yearly maintenance fee had been applied to my account with XXXX XXXX. I immediately contacted both XXXX XXXX and my new timeshare company ; The new membership company stated that they had followed the proper process of transfer. XXXX XXXX stated they never received any documentation from them. XXXX XXXX then sent me documentation to fill out and explain what had happened and to close the account. I filled out and sent it back to them. A few months later I started to receive phone calls from XXXX XXXX stating I was late in paying my maintenance fees. I again explained the situation, sent the copies of the documents I had previously sent. I didn't hear anything back from them for years. Up until I recently, XX/XX/XXXX, checked my credit report and saw a report from XXXX XXXX XXXX XXXX and found that it was from XXXX XXXX XXXX. The amount that they report is nothing more than the fees they applied. Nothing to do with my loan obligation. 

I satisfied my loan obligations with XXXX XXXX XXXX. It's unfortunate that both companies didn't do their due diligence and follow through with closing/transfer of the account and now I am the one being affected negatively with this information on my credit reports.

Also, just a quick observation, I wouldn't have been able to sell my timeshare to my new timeshare company if it wasn't paid in full by me.
Product: Debt collection

Previous Complaint # XXXX was responded by Portfolio Recovery to CFPB on XX/XX/XXXX TODAY I RECEIVED ANOTHER COLLECTION FROM THEM THESE CRIMINAL SOBS. JAIL THEM ALL. I DEMANADED A CEASE AND DESIST OF ALL COMMUNICATIONS, HERE WAS THEIR LYING CRIMINAL JAIL THEM RESPONSE : XXXX STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response In response to your complaint, XXXX XXXX XXXX, XXXX  ( " PRA '' ) verified the PRA account ending in XXXX. PRA received and honored your request to cease all calls and other collection communications regarding the PRA account ending in XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time. PRA purchased the XXXX , XXXX . ( " XXXX '' ) XXXX account ending in XXXX together with the right to receive payment of the balance due on the account on or about XX/XX/XXXX. Business records provided to PRA by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, by XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$840.00} was due on the account at the time of PRA 's purchase. PRA sent its initial notification letter to you on or about XX/XX/XXXX. XXXX has no record of a response or a dispute being received in relation to its initial notification letter. Prior to receipt of this complaint, PRA had no record of receiving a written request to cease communications with you regarding the PRA account ending in XXXX. PRA has honored your request to cease all calls and other collection communications regarding this account. In response to your complaint, PRA has sent a letter on or about XX/XX/XXXX, containing validation.
Product: Checking or savings account

I recently discovered discrepancies in my banking history reported by ChexSystems. Upon reviewing my report, I noticed entries for accounts that I did not open or authorize. These inaccuracies are concerning, as they may indicate fraudulent activity or errors that could impact my ability to open new bank accounts or access banking services. I am requesting a thorough investigation into these discrepancies and prompt removal of any unauthorized or erroneous information from my ChexSystems report to ensure the integrity of my banking history.
Product: Debt collection

Ally Financial XXXX XXXX XXXX This company has been calling a number belongs to an elderly family member whom is not included on anything regarding my loan on the vehicle. Therefore they do not need to be involved or contacted with ANY of my information. I realize my payments have been behind but I am making them as I am able to. I do not know how they found this member 's phone number but this is absolutely uncalled for and an invasion of my privacy. I want it stopped NOW.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of the XXXX XXXX account ( Account No. XXXX ) from my credit report. This request is based on significant inaccuracies in the reporting of this account, which Experian has failed to correct despite previous disputes. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are legally obligated to ensure the accuracy and completeness of the information they report. If information is found to be inaccurate or can not be verified within XXXX  days of a dispute, the FCRA requires that it be removed from the credit report. 

The specific errors in the reporting of this account include : XXXX XXXX XXXX : The account does not display the current balance. 
Incomplete Monthly Payment Information : The account lacks details regarding the required monthly payment. 
I have previously brought these errors to Experian 's attention, but instead of addressing the inaccuracies, I have only received promotional emails from Experian offering various services. This is an unacceptable response to a legitimate dispute, and it further highlights the failure to fulfill your legal obligations under the FCRA. 

Given the continued presence of these errors and the lack of appropriate action from Experian, I am now requesting the complete removal of the XXXX XXXX account from my credit report. Failure to do so violates my rights under federal law and negatively impacts my creditworthiness.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communication regarding the unverified negative items that persist on my credit file. Despite my repeated challenges and requests for investigation, these unjust and inaccurate pieces of information remain on my record, significantly impacting my creditworthiness and consumer rights.
Product: Credit reporting or other personal consumer reports

I was misled and lied to by XXXX by XXXX XXXX, regarding a Vacation package I purchased. They did not disclose that an inquiry and account would be put on my credit report if approved. I told the representative that I did not want to get this package If it would go on my report, he said it would not and would only be a soft inquiry. He also did not have me sign an agreement or give me a disclosure about this line of credit nor did I fill out an application that this credit line would be an inquiry and go on my credit report if approved. He also did not email me the contract on my vacation package until 3 days later. This company was not truthful and misled me into believing I would not have an inquiry or account after telling them I did not want to purchase this package before being deceived they would not.
Product: Credit card

I disputed a cc charge of a rental car sometime in XXXX ( I don't remember exact date ) that I never rented a car from said company or any other company. I received letter dated XX/XX/year> that the charge was resolved in the merchants favor. I followed up with a call asking for the documentation and sent a letter dated XX/XX/XXXX denying the charges. Basically saying that I have not rented from said company nor was I at the location stated. Also stated I called the rental company and the person from the rental company told me they could not find any evidence said transaction and that a XXXX would call me back within XXXX hours which never happened, When I called Barclays Credit card services about said transaction on XX/XX/XXXX they indicated they could not show that charge in dispute. My reading of Regulation Z basically states that a financial institution has to reflect the disputes on a credit cards. Personal from Barclays said they had 30 days to make that decision as it was bank policy. But as I have already indicated Regulation Z requires financial to reflect consumer disputes provided certain steps are take, which I did. Regulation Z does not make distinctions weather it is the initial dispute or a re-dispute. Also as stated earlier I have requested the documentation that the merchant has provided twice and as of the writing of this complaint have not received anything. 

Barclays claims it has 30 days to make the determination and it does not have to reflect said transaction as disputed per their policy. But in my mind that is not what Regulation Z states.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX, XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

Good Evening Mr. XXXX XXXX, According to the recorded conversation this evening, XX/XX/2019, Veripro Solution decline electronic payment of {$6200.00}. 
I am disputing this debt, ( interest ) Veripro Solution did not provide a balance due until XX/XX/2019due to policy which has not been shared and as result the new owner has enforced interest. 

I would appreciate a letter from Veripro Solution stipulating policy below ; " That is because it is our policy that we dont issue statements unless there is a promise to pay. This reduces the amount of unnecessary paper being sent to our customers. We do not provide policies in writing to our customers, hence why you do not see it there on the document ''. 


Thanks XXXX XXXX XXXX. 

I met the terms of 12months payment, with a $ XXXX credit, however Veripro Solution In.c refuse to provide me my new balance for future payments until XX/XX/2019, due a policy. I've asked several times for the policy to be shared, it never was, with new owner. 
Debt clock has reset, enforced interest rate, and lien on home.
Product: Credit reporting or other personal consumer reports

I have unknown hard inquires listed on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these inquires and reporting is violation of my rights under FCRA.
Product: Debt collection

I noticed my information was compromised including my ID, social security card info and my credit in XXXX of XXXX. I ordered my credit report and noticed two American Express accounts. I went to the XXXX XXXX XXXX XXXX police department and I received a police report for the two accounts. PLEASE have them REMOVE FROM MY CREDIT REPORT. These are fraudulent accounts and I did not authorize these accounts to be open in my name. I spoke to American Express and they are refusing to remove the fraudulent accounts. American Express : Account number : XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$5000.00} American Express : Account number : XXXX Dare fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update or corrected immediately : XXXX XXXX XXXX XXXXXXXX Balance : {$50.00} XXXX XXXX XXXX XXXXXXXX Balance : {$91.00} XXXX XXXX XXXX XXXX Balance : -
Product: Credit card or prepaid card

I placed an order on Friday, XX/XX/2021 with XXXX. I received the order on Sunday, XX/XX/2021. On Monday, XX/XX/2021, the " XXXX XXXX XXXX XXXX XXXX '' that didn't meet my needs and wasn't what I expected, I made my mind up to return it. I logged into my XXXX account online to start a return. This is NOT the first time I have returned something to XXXX so I was very familiar with the steps. As I get to the last step, where it ask, " how would I like to return my purchase '', I checked the box for XXXX drop off. It refreshed and gave me an error message, stating to call this number XXXX and speak to a representative. I called the number but, it was one of the worst calls with trying to get directed to the correct representative. I finally got connected to a representative name XXXX. XXXX made it seem as though he was taking care of the return and that I should see a shipping label to my email address on file within 24 hours or more. I thanked him and ended the call. Something didn't feel right, I don't know why. On Tuesday, XX/XX/2021, I went to the XXXX website to see if there was another way to communicate with a representative and, there was, live chat. I was connected with a sweet, kind and very professional representative named, XXXX. I asked XXXX, if they could tell me about the return that I had started the night before by XXXX. XXXX asked for the order number, email address on the account and my billing zip code. I gave XXXX everything that was requested but, that's when I was told, that XXXX had not submitted a return for my order. I was not happy and very displeased with the service I had received in the last 24 hours. XXXX was very apologetic and was willing to make a bad situation better. After doing some steps on there end, I was reassured that the return was processed and that the shipping label would be sent to my email address with a 24 hour wait. So, I gave it all day Wednesday, XX/XX/2021 and nothing. Half of Thursday, XX/XX/XXXX, is done and still no shipping label. This is on my Walmart credit card and I don't like purchases sitting/idling on my bank card or credit card. I like to get the merchandise back to the company, where it's safe and sound and so it drops from my bill. I'm not happy and I'm using this word cautiously. This item is shipped from XXXX and NOT a vendor. I can see if this was a vendor that I had to wait for an approval, but it's not. This is absolutely absurd that I can not get a label to return this item. This should not be this hard. Even if the shipping label wasn't sent yet, I could get some form of confirmation to my email account stating that the return is in progress, you do not even get that. What is going on at XXXX and why can't I ship an item back to them for a refund? This is absurd and not the type of service I expected from XXXX, of all places.
Product: Debt collection

I have had a Citi Best Buy credit card for 9 years. I am XXXX. I have never missed a payment on the card or a minimum payment. I'm 100 % on time. Citi bank has decided to call me 4 times a day every day. This is violating basic rights. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I've recently in XX/XX/XXXX attempted to dispute incorrect information on reporting on my credit report number XXXX directly with Experian. To no success this information is still being reported and representing me unfairly. I attempted to have the empty fields from my XXXX account number XXXX furnished and to display the following : Incorrect and Missing form my credit report XXXX Account XXXX : Balance? 
Balance Updated? 
Recent Payment Amount? 
Monthly Payment? 
Original Balance? 
Highest Balance? 

Also, it list the Terms as " 1 Months '' which is incorrect. It list the Date Opened as XX/XX/XXXX but first reported as XX/XX/XXXX five years later which is incorrect. 

From the viewpoint of someone pulling my credit and looking at the XXXX account with all the missing field leaves a lot of unanswered questions about this account. I believe that this is unfair and leaves me at a disadvantage. I believe if Experian is going to report details about me that they should tell the whole story and not just a part of it.
Product: Checking or savings account

They charged XXXX $ fee every time account was even XXXX $ over for non sufficient funds and not only XXXX time did up to 5 times in row also if you couldnt get money to pay account to a positive balance charge every day XXXX $ such a rip off
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$18000.00} US DEPT ED XXXX {$3500.00} XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX   XXXX {$310.00} DEPTEDXXXX XXXX {$3500.00}
Product: Debt collection

The original creditor XXXX XXXX XXXX has recognized this item as identify theft and no longer reports to the credit bureaus, or has been blocked from reporting by the credit bureaus. XXXX XXXX investments is a third party debt collect they sold the debt to before the investigation was complete. Because the original creditor recognizes this account for what it is, I request that the third party debt collector, XXXX XXXX investments do the same, and either voluntarily stop reporting, or the Credit bureaus should recognize this as party of the original debt that has been resolved and block XXXX from further collection attempts including credit reporting.
Product: Credit reporting or other personal consumer reports

Hello : I just want to make you aware of this scam. 
Years ago, I had and paid off a student loan. There has never been any issue. 
Today I received a generic email that is clearly a scam. 
I hope you are still in businees and have someone to make a note of this and follow up if there is a way to. 
I did not reply to the email and intend to delete the email once I am confident this complaint has been sent to you. 
Thank you. Belows is a copy and paste of the e-mail as well as header info. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Text of message : XXXX XXXX XXXX XXXX ( 16 minutes ago ) to me XXXX XXXX XXXX It's XXXX XXXX with the Student Loan Debt Department . This is regarding your case number 31011. We tried to contact you at your home and did not hear back. Your StudentLoans have been flagged as possibly eligible for forgiveness under the new 2025 guidelines. Your file will remain open in my system for only one more day. Please give me a call at : ( XXXX ) XXXX, We can take your call between the hours of XXXX ( XXXX ) Monday-Friday. Thank you, - XXXX XXXX XXXX XXXX XXXX You opted inXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXXXXXX... we are a marketing service. If you wish to contact the company mentioned, please dial the number above. If you want to get off our marketing list, go to the following link and enter your emailaddress : STOP THE EMAILS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XXXX : wanted to submit for the loan forgiveness, since I met the payment qualification. The company told me I had to do something differently with my loan, then make the qualifying payments in order to qualify. I was told prior that my loans that were qualified for the program, even if I consolidated, which I did. Please help as I have been paying for some time and expected this loan forgiveness since I have been a XXXX   since XXXX.
Product: Debt collection

Approximately two weeks ago, XXXX from Bonneville Collections XXXX XXXX office contacted me regarding medical collections. Without seeing anything in writing, I was hesitant to give her my payment information ( at the time she said it was approximately {$35.00} ). She stated a letter was already mailed to me. That may be, but I did n't have it in front of me or remember receiving it and asked it be sent out again. She refused saying it had already been done. She proceeded to raise her voice and talk over me and I requested again that the information be sent to me in writing and to not contact me by phone again. Today, X/X/2017, XXXX called me again, using my employer 's phone number, again requesting payment. This time for an amount exceeding {$1000.00}. I never received anything in the mail from Bonneville Collections after requesting it and was certainly confused as to how the amount could have changed so much without any new information being provided to me. So not only did she not comply with my request for written notification but she called me again using my employer 's phone number.
Product: Mortgage

We are in a purchase and the loan documents have been delayed several times to ineptitude by the loan office and his staff. We were told the loan docs were in and that the buyer had signed them but they wo n't provide the documents to the escrow officer or anyone else. The loan officer says they can not be released because the documents are post dated to XX/XX/2015. I have never heard of documents being post dated. The loan officer is blaming the lender and telling us the documents are post dated because there was 1/8 of a percent drop in the rate. This whole thing sounds fishy to me.