23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dynamic Recovery Solutions of XX/XX/XXXX, SC has been attempting to collect a debt from me since XX/XX/XXXX. I disputed the debt in XX/XX/XXXX, and shortly thereafter requested that they cease contact with me. They resumed near daily contact win XX/XX/XXXX. I again requested that they not contact me. This week I have received a mailing and two phone calls from Dynamic Recovery Solutions. I do not wish to be contacted again.
Product: Debt collection

Wakefield and Associates- a debt collection agency - contacted me by TEXT MESSAGE. telling me no information about what the debt was. I never received a phone call, or an email, or a paper statement in the mail. Nothing. I have no idea what this debt is. I thought the text they sent was just a scam. Until this debt showed up on my credit report at XXXX XXXX. These are shady business tactics. Very poor communication.
Product: Credit card or prepaid card

The first complaint I have with Capitalone is On XX/XX/XXXX I made a payment of {$50.00}. My due date is every 1st of the month. When I check two days later I noticed they returned my payment on XX/XX/XXXX and charged me with a late fee of {$35.00} that same day. I called customer service and their reply was that I should have been paying more attention to my bank account to see if the money was taken out. I did not pay that month because I have been having a financial hardship due to a medical reason and was not able to make the monthly payment and the late fee at that moment. Later that month on XX/XX/XXXX, I received a call from a Capital One representative and I explained my financial hardship and she came up with a deal so that I only pay {$46.00} a month for three months to get my account in good standing. Also instead of paying on the first of the month I would be paying on the tenth of the month. I asked her very specifically and I asked her more than once if I had to pay my upcoming bill on XX/XX/XXXX and she answered no. When I go to make my first {$46.00} payment on XX/XX/XXXX I see I have a late fee of {$40.00} for not making a payment on XX/XX/XXXX. So I called customer service and they tell me there is nothing they can do and that the late fee was already in process when I made the deal. I still mad an online payment of {$47.00} on XX/XX/XXXX because of the fear that I would get another late fee for not paying before XX/XX/XXXX. But the deal didn't seem to happen because my due date is still on the first of the month and it keeps going up and up. The amount due is now is {$140.00} and it is not something I can pay with all the late fees. I requested a credit card agreement to see what agreement we have and I never received it. I have been having problems with them for a while now but this is the worst it's gotten. There is always an excuse for everything instead of solving the problem. For example, no one even checked on the {$46.00} agreement I made with the customer service rep I made that day. The late fees and missed payments are affecting my credit score with XXXX.
Product: Vehicle loan or lease

the company incresed the loand wen they gat car they did not takl us that loan was only interes only and nothing was to the principla. we traet to refinansed after 6 months cause that was the original agrrement. so far they just say they not refinancied and they say our loan its not paying any on the principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXXXXXX ... & XXXX XXXX XXXX XXXX ....
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this Please supply me with a copy of any contract or agreement signed with your company or the original creditor In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, pleas inform them of my dispute regarding the validity of this debi Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for XXXX to fix my personal information and DELETE ALL OTHER INACCURATE NAMES And addresses from My consumer report. This is inpacting important situations for my well-being. This company is in violation of The law title 15 USC 1681b ( a ) ( 2 ), A 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. 
This company has knowingly furnished my consumer report with inaccurate information multiple times without having my wet ink, written instructions to do so.
Product: Credit card

XX/XX/XXXX. chase closed both of my credits cards for no reason talking about they made a finAl decisioN to end ouR banking relationship.

I didnt even have both cards open for even a year and they say they cant re open the cards which i am 100 % sure theyre able to do. and this will severely negatively affect my credit score. i just turned XXXX XXXX XXXX XX/XX/XXXX and got my first card with chase and then got my 2nd card with them in XX/XX/XXXX. I had a very good banking relationship with them even with a checking account. i used their cards very often and paid them off every week and never paid any interest or fees. so them closing TWO of my credit cards at ONE time will destroy my credit and ruined my thoughts of this bank entirely. I called them right after just to hear them say the decision is final and they wanted to end the banking relationship by closing BOTH cards which is ridiculous. all they left was the checking account that i dont even care about anymore at this point. literally the most annoying thing ever.
Product: Student loan

I have been paying a private student loan through Navient for about 4-5 years now and I can barely keep up with the high payments of $ XXXX/month with an 11 % interest rate. I have spoken to representatives constantly and no one seems to be able to or want to help. I have a co signer, My co signer has no plans on helping me financially he just signed so I can get the loan and continue my education. All I would like is my payments to be lowered to somehwere more affordable so I do not have to struggle to pay them every month and I do n't keep getting hammered with late fees. I feel like Navient lies to its borrowers just to collect late fees and raise interest rates and use naive students as profit centers. I thank you for taking the time to read this and I look forward to a response.
Product: Credit card or prepaid card

This is a transaction that was initially disputed with the citi card on XX/XX/XXXX however theyve not come to any resolution yet. Nor will they allow you to send in your proof as I was rudely told I couldnt send it in - when I asked today XX/XX/XXXX. 
The merchant in question is called XXXX They pretend to be a company in CA however they are really from XXXX. They pretend they have items on their website that are available- the items arent. I will be attaching reviews totaling over 2000 bad reviews and sites showing their scammers. They take your money and then they dont ship expedited shipping thats for sure and you dont get the goods bc they say theyre out of stock yet they dont put that on their website. 
I had called in regards to opening this dispute on XX/XX/XXXX however I told the man that they were owed XXXX but he told me he was going to put the whole amount of XXXX in dispute id is XXXX. 
Me and the merchant had gone back and forth through XXXX and the last they said was they would reimburse me for XXXX, XXXX, XXXX ( the XXXX and XXXX equal the XXXX ) youll see in their message through XXXX who did nothing bc I escalated it with citi card instead. However I still have that proof of what they were going to pay me plus they said any taxes - when I said I wasnt paying for expedited shipping bc my order never came expedited at all so they agreed to that plus any customs charge which I did not see getting billed to citi. Im attaching all that proof. Which means that I should be owed XXXX plus the XXXX in expedited shipping which never happened. They agreed to that. That means XXXX is owed to me XXXX to the scammers that citi card doesnt care about evidently. That would equal the whole amount of XXXX I was told to dispute. However Im only owed the XXXX. 
Please tell citi to rectify it ASAP its been long enough and they probably should do research on the companies theyre fighting for the customer for bc they would see these people are liars and scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Complaint ID XXXX XXXX XXXX. Of Executive Office of Customer Advocacy stated In addition, under the Credit Reporting Agency Information section of the Cardmember Agreement; We may report the status and payment history of your Account to credit reporting agencies and other creditors. We normally report to credit reporting agencies each month. As such, we are unable to honor your request to cease reporting the account to the credit bureau reporting agencies. We have sent copies of all available billing statements for the account under a separate cover. We are unable to honor your request to remove previously reported account history, as the information reported is a factual representation of what occurred on your account, nor are we able to remove the account from your credit bureau reports as we consider the account valid. Which method of verification have you use to verify such information as you mentioned? 
XXXX XXXX. Provide provide proof you have complied with Federal Law Gramm-Leach-Bliley Act and gave me the Option to Opt-Out of furnishing my non public personal information or you shall be fined. Because you need to over-stand your company Policy doesnt supersedes over Federal Law.

XXXX  Bank and all the Credit Reporting Agencies XXXX, TransUnion, XXXX are committing Racketeering Each count of racketeering is punishable by up to 30 years of incarceration in federal prison and I have proof of their actions. Failure to remove MY account ( my intellectual property ) account ending in XXXX XXXX XXXX, XXXX Bank will be sued in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to fix this problem with TranUnion for over three months XXXX deleted the inquires and XXXX I don't know what the issues is with TransUnion XXXX even said they was going to contact the companies to let them know about the issues so that they can deleted the one 's on their end but TransUnion refuse to I have reached out to the creditor I have had not luck some of the inquires are from 2017 I just don't think it fair they should remain on my report and they are not mine nor did I authorize them.
Product: Credit card or prepaid card

I have received phone calls 4 times in the past 5 business days from Chase Bank asking me to consolidate my credit card debt. The dates of the calls were Weds XX/XX/XXXX, Friday XX/XX/XXXX, Monday XX/XX/XXXX, and today Tuesday XX/XX/XXXX. I do not have any credit card debt to consolidate, so I have told them to take me off of their calling list. They keep persisting and the phone numbers show up as local cell phone numbers. I have a lot of my customers of my employer that call me so I should answer unknown numbers. 

Today after I asked to be taken off their calling list, the man started swearing at me and calling unthinkable names over and over. I was appalled and never think anyone should be treated like that. They certainly won't take me off their list and I can't stop answering local cell phone numbers. This was so hurtful and I hope they get reprimanded for this type of activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed several complaints with XXXX  and XXXX over a serious problem with Santander USA, they both closed the account on XX/XX/2018, but it's still showing a derogatory reporting and this debt should not show a derogatory balance at all, they do not have the correct paper work which I have contacted them ( Santander ) as well and they are making false claims in reference to this account I have sent several certified letters to XXXX XXXX  and Santander and I am just receiving a closed account with a balance Santander has already made false claims and if the balance of this closed account is not resolved I will file a small claim against the companies stated above for breaking for violating section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 7 ) as well as under ( section 616 & 617 ) and I will pursue litigation to force the rights under FCRA.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Names : I am not XXXX XXXX or XXXX Addresses : I do not reside at XXXX XXXX XXXX XXXX Ga XXXX or at XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXXXXXX XXXX  or at XXXX XXXX XXXX XXXX # XXXX Ga XXXX I am disputing delinquent accounts 1 Trans Union 2 XXXX 3 XXXX I am disputing Derogatory accounts 5 Trans Union 4 XXXX 5 XXXX I am disputing public records 2 Trans Union 2 XXXX 2 XXXX I am disputing the company XXXX I am disputing XXXX XXXX XXXX XXXX  account I am disputing bankruptcy for the dates of the following : XXXX which the date is on my report twice XXXX also on my report three times XXXX XXXX they all were dismissed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  DOESN'T READ COMPLAINTS. I have continually complained against Experian and XXXX XXXX XXXX XXXX ( XXXX  ) because they accessed my credit report without my permissible permission on XX/XX/2017. I continually request the permissible permission and have yet to revive. I know it does not exist. XXXX doesnt read the complaints and continues to label complaints This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. But then they contradict the above statement by stating Keep track of the original complaint numberXXXXso you can track its status and receive the company response on your Consumer Portal or by calling us. Doesnt make any sense.
Product: Student loan

I'm eligible for public service loan forgiveness and XXXX haven't credited me all the payments. They sent me a letter in XXXX of XXXX acknowledging I had been at a qualified employer from XXXX ( when I originated the refinance loan ) until present. They didn't credit me with any payments before XXXX, when the loan was transferred to them. Which meant they had not given me credit for all the payments. They said I had XXXX payments. I called and they said they'd start a review for the other payments. That was in XXXX of XXXX and the review is still not completed. In XXXX of XXXX I submitted an employment certification for XX/XX/XXXX - XX/XX/XXXX and submitted the PSLF application. They rejected the application saying I had only made XXXX qualifying payments, even though they had previously certified XXXX payments. I've called several times and they just say to wait. I've even submitted a credit report showing on time payments since XXXX to my student loan providers. They've already acknowledged that I was working for a qualified employer and yet they haven't processed the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoked with customer service from Experian about inquires on my credit report witch i have knowledge of i asked them to remove them and they denied helping me and also addresses that ive never lived in aswell as phone numbers
Product: Debt collection

Credit card was a student card. While I was living on my college campus, all of my information was stolen ; along with the card. When I saw activity on the card that was not mine, I called the bank immediately. I not only had a credit card, but a regular checking and savings account as well. Wells Fargo stated how sorry they were and told me they would do everything they could to help. After numerous attempts and calls, nothing was done. I went and closed all accounts within 30 days of no help. Despite multiple calls informing them of the situation, and false promises, I ended up having to pay almost {$350.00} worth of debt from my checking account because they threatened to send me to collections. All debt owed was due to overdraft fees that I did not cause. Wells Fargo continued to harass me concerning the credit card for months. When sent to collections, they told me if I did not make any type of payment plan, despite my card being stolen and charges owed were not mine, that they would sue me personally for the debt owed. I began to pay the debt monthly for {$50.00}. Around XXXX of 2015 I received a call from Wells Fargo asking to pay the debt in full. I told the representative that I already was paying a monthly payment for debt that I did not cause. She then proceeded to ask how much I was getting in tax returns. I became upset due to the fact that since I was already paying monthly, I felt violated that she was asking about my personal business when I already had a current obligation to pay. After a few months of continuous harassment, I finally asked to speak with a supervisor. I explained to him every detail that happened from the beginning. After stating that I had planned to get my family lawyer involved, and due to all that I had gone through, he informed be the debt would be removed from my credit report. Upon recent investigation into my credit report, Wells Fargo has not removed the collection from any of the credit bureau 's. The account status states, Closed-Derogatory. I previously disputed and the remark states Charged off as bad debt Dispute resolved ; customer disagrees. This was not the original agreement I had with the supervisor.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My personal information was used without my knowledge or consent to obtain credit and personal loans, including an installment loan opened with Cherry Technologies Inc . I learned that an account was opened in my name without my knowledge or consent in XX/XX/year> when I received a credit alert that a charged off account was reported on my XXXX credit report. I filed a police report with the XXXX and a FTC Identity Theft report. I also contacted Cherry Technologies to dispute the account as fraudulent, but was unsuccessful. I have also attempted to submit a dispute with XXXX. I requested that this information be removed and blocked from my credit report because it was a fraudulent account. I also provided a copy of the identity theft report. However, the charged off fraudulent account has not been removed.
Product: Credit reporting or other personal consumer reports

I observed that I had a debt from a company Ive never used before in XX/XX/XXXX, for {$490.00} with XXXX XXXX. I called the company on XX/XX/XXXX and they told me that my name was used for an account but it had a different email on file than the one I gave them to check for an account. I have never lived or heard of the residence that this electric company has on file. They said they would need a police report sent to them to investigate. I sent the police report to them on XX/XX/XXXX in the email they provided. They never responded. I sent a formal letter to their email again on XX/XX/XXXX and filed the identity theft with IdentityTheft.org. I still have not heard back from the company. I resent the email today XX/XX/XXXX with the formal letter and police report. The debt has not been yet removed from my personal credit.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report the account XXXX XXXX  Account # XXXX the account is reporting incorrectly. The consumer agencies knows they can not lawfully validate or verify this account. The banks are federally insured and dont incur any losses due to the insurance being paid on defaulted accounts. The law further states any account charged off with a balance should be returned to the consumer. This is my final attempt to get the consumer agencies to follow law as it is outlined or face the consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to inaccurate information reporting on my credit report. It has been well over 60 days and I haven't received any investigation results. I have accounts that are reporting inaccurate on my credit report. There are accounts that I will list that says I have missed payments when I have always paid as agreed. Also my information has been exposed In the Equifax data breach and I need the accounts that have been opened due to my information being exposed deleted. This is a violation of the FCRA and they have to be reported correctly.
Product: Credit reporting or other personal consumer reports

Despite my multiple attempts to dispute these items and provide supporting documentation, such as evidence and police reports, the issues have not been resolved. Additionally, I am being sued for debts I no longer owe. Debt collectors are selling my debt, leading to multiple lawsuits against me. 

I request that these items be investigated and corrected as soon as possible. Please provide me with a written statement detailing the results of your investigation and any changes that are made to my credit report. Below is an attached copy of my report for your reference. 

Thank you for your prompt attention to this matter.