23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

10 years ago, I had a pre-paid credit card ( re-paid {$300.00} ) with Washington Mutual. I purchased a text book for about {$150.00}. Chase Bank ended up buying out Washington Mutual and told me they do not do pre-paid credit cards and charged me ridiculous amounts for what they considered a regular credit card. Today, years later, they still will not drop off of my credit report and claim I owe them {$750.00} for the textbook I bought with my pre-paid credit card through Washington Mutual. They keep selling my debt to new creditors so it will not fall off. I believe this is fraud, and if it is legal, I would like an explanation on how they can do this. I am trying to rent a house, but no one will rent to me with this on my credit.
Product: Money transfer, virtual currency, or money service

I tried purchasing a electric bicycle from a seller though the app offer up. After he explained that the app didn't allow for shipping for we moved our conversation to a private chat through regular SMS conversation. 

He offered sending me the shipping label before I would transfer my payment for {$710.00} through the payment service Zelle. I agreed and upon receiving a shipping label of an oficial UPS store with my correct shipping address, I transfered the agreed money to the seller. He confirmed receipt and shared with me the tracking number. This tracking number never got uploaded or got active in the UPS tracking system and after asking this to the seller, he stopped all conversations with me. 

I called my bank ( XXXX  ), to report the scam, unfortunately they were not able to give me any type of case number or told me if they were going to refund or protect me from this issue. This is the first type of report XXXX issue with my bank and I have a great standing relationship with them with two credit cards under my account with 100 % payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this complaint to address the inaccuracies on my credit report provided by TransUnion. As I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$420.00} XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance {$6400.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance {$6400.00} XXXX XXXXXXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} XX/XX/XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XX/XX/XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}
Product: Credit reporting or other personal consumer reports

I sent a dispute letter for these negative accounts reported under my name. 
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

I don't recognize this accounts. I never applied for this companies, I don't have any contracts or agreements with this companies.
Product: Credit reporting or other personal consumer reports

Re : Reinsertion Of previously deleted Inaccurate/invalidated items Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items were deleted, and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation.

( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in
the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted t
he consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. 

Account : XXXX XXXX XXXX, XXXX XXXX XXXX Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

These five accounts listed show the wrong status & balances on the credit reporting bureau. I have previously contacted the credit bureau. 


XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Collection - XXXX
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018 30 days late as of XX/XX/2018 60 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint to Transunion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumers rights privacy and confidentiality under XXXX XXXX Account name XXXX, account number XXXX Privacy and confidentially under XXXX XXXXXXXX XXXX XXXX XXXXXXXX section XXXX .States I have the right to privacy XXXX. XXXX XXXX section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates more than XXXX XXXX XXXXXXXX XXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if they if the person knows or has reasonable cause to believe that the information in inaccurate Delete this account ASAP
Product: Credit card

Went to XXXX for dental work.Had all on XXXX procedure.Dental company billed credit card for everything on day implants was put in but could n't get teeth for 6 months.Went back in XX/XX/XXXX for teeth and was home approximately XXXX weeks and teeth started crumbling.Filed dispute with all Credit card companys that I used because of quality of goods This purchase had to be divided because of large amount and not enough credit 0n one card, I spend about XXXX dollars to fax all documentation and pictures to these companys.Chase credit card responded and comepletly removed the part of charges that was charged to XXXX card but Citi XXXX XXXX has major issues.Cant get responses etc and when they responded I was told they could n't help me that it was out of time frame.
Product: Credit card or prepaid card

Earlier this year I filed a complaint about Synchrony Bank ( SB ) in connection with my Amazon XXXX XXXX XXXX ( XXXX ). The basics of that complaint were as follows : I have had an XXXX  for many years, and right from the beginning I set things up so that the BillPay function at XXXX ( where I bank ) would pay the full amount due on my XXXX  account each month, thus reducing the balance to XXXX and incurring no interest charges. This arrangement was administered as intended until late 2018, when SB -- without my knowledge or permission -- began taking only the 'minimum amount due ' out of my XXXX account each month, which meant that an unpaid balance began to build up ( at APRs of around 25 % ). When I became aware of SB 's unauthorized action, I complained to them -- and, after months of frustrating and fruitless communication, I filed a complaint with the CFPB. SB almost immediately responded to me and, although they did not offer any explanation for their actions or admit to any wrongdoing, they offered, 'out of the goodness of their hearts ' and in the interest of good customer relations, to reverse all the interest charges at issue. I accepted their offer but asked them to investigate and explain what had happened and why they suddenly and unilaterally began disregarding standing instructions that had been in effect for many years. SB never got back to me with an explanation. For my part, I had a XXXX supervisor guide me in setting up BillPay so that it would absolutely, positively result in my XXXX bill being paid in full each month. Nevertheless, the next time an XXXX bill fell due, SB once again only deducted the 'minimum amount due ' from my XXXX account, leaving me with a remaining balance that would accrue interest at 25.99 %. I hurriedly went on the SB/ASC website and authorized a one-time payment of the remaining balance ; I also authorized SB to deduct the full amount of each month 's XXXX bill from my XXXX account ( and canceled BillPay on the XXXX website ). However, I was extremely distressed to discover that SB disregarded my crystal-clear instructions on the XXXX website ; also, my goal is to centralize all my automatic payments in one place ( i.e., on the XXXX website ) so I can view them at a glance. XXXX has repeatedly assured me that, even when I authorize BillPay to pay my entire bill, the payee ( in this case, SB ) decides how much to actually deduct. When I called SB about this, their rep felt that it was obvious that Fidelity/BillPay, not SB, would make the decision about the amount to be paid ; however, I know from long experience that XXXX is reliable and businesslike whereas my current course of dealing with SB convinces me that they are fully capable of pulling a fast one where they think they can get away with it. Under the circumstances, I want SB to deal with this problem once and for all, offering me an explanation ( and, if warranted, an apology and compensation ) for its actions, and ensuring that I can pay my monthly XXXX bills in full through XXXX.
Product: Money transfer, virtual currency, or money service

Remity is racial profiling money being sent to XXXX
Product: Debt collection

NATIONAL CREDIT SYSTEM CONTINUOUSLY REPORT A DEBT COLLECTION OF {$2700.00} I HAVE BEEN TOLD SEVERAL TIMES BY EACH CREDIT AGENCY THAT ITS NOT ON MY CREDIT THEN WHEN I APPLY FOR LEASING IM BEING BECAUSE OF A DEBT I HAVE NO VALIDATION OF!!! WHEN I CONTACT THE NATIONAL CREDIT SYSTEM THE REP XXXX WAS VERY NASTY AND UNPROFESSIONAL & CLAIM SHE WAS GOING TO EMAIL ME THE DEBT!!! THIS IS EFFECTING MY LIVELIHOOD & HARM TO MY CREDIT PROFILE!!! ASKED IF THERE WAS A SETTLEMENT OFFER DUE TO PANDEMIC & WAS TOLD BECAUSE OF ORIGINAL DEBTOR ISNT OFFERED BUT AGAIN THERE IS NO PROOF THIS IS MY DEBT!! THIS CREDIT AGENCY REPORT INACCURATE INFORMATION ALL THE TIME AND SEVERAL INVESTIGATIONS AND FINDINGS FOR INACCURATE INFO BEING REPORTED
Product: Student loan

I have been making payments to Mohela while I 'm in school. They are missing XXXX of my payments according to their website. It is very difficult to comprehend payments received on their website. I 've asked for an itemized list of ALL my payments and they do n't seem to be able to send it. I 've verified with my bank, XXXX, that they have received all my payments. I can send a list of my payments from my bank if needed. They should be able to provide a document saying what I 've paid to date so I can match that with my bank.
Product: Debt collection

I have just received a email as of today XX/XX/2022 from LVNV FUNDING. They have indicated they have attempted to contact me a month ago which is a complete lie. This is my first time even being aware the account from XXXX XXXX was sent to collections, I have been working with them to pay this amount down. LVNV FUNDING LLC has also not mailed me any documents for my right to dispute just an email stating I owe money which is completely unfair. They have not sent any written contracts with my wet signature or a full disclosure. This debt collector has also violated 15 USC CODE 1692b which states : 15 U.S. Code 1692b - Acquisition of location information ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; They have also broken 15 U.S. Code 1692f - which states Unfair practices ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
Product: Credit reporting or other personal consumer reports

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXXXXXX 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 {$0.00}
Product: Vehicle loan or lease

I 'm a single mother of XXXX. Me and my kids were victims of Hurricane Harvey. We lost everything I contacted BMW Financial to let them know we had been displaced. They offered to push 2 loan payments to the back if my loan. I had to contact them numerous times to send the extension contract for me to sign. XXXX XXXX, 2017 I called in and requested 1 more extension. My company closed permanently because of the damages from XXXX and I just started a new job. The rep I spoke with said it was approved and I did n't have to worry about a payment untill next month. 

They deceived me and reported to my credit that I was late and put my vehicle into repossession status. I was promised a service from this company that I never received. When I call customer service they all give me different answers. I ca n't get a straight answer from anyone. They all have a bad attitude and have been very rude to me. I will never do business with them again and would not recommend any one too do business with them either.
Product: Student loan

XXXX XXXX XXXX was sold off to Firstmark Services. I am co-signor for child 's student loan. Child is currently enrolled as a full time graduate student and went through the process both with Firstmark and the educational institution on payment deferment. 

My child contacted Firstmark about three times to try to ensure the deferment process was being taken care of. Each time, the Firstmark representative, although courteous and friendly, advised that they had all the information they needed -- it just needed to " go through the system. '' I also contacted Firstmark approximately 15 days ago to ensure the deferment was taking place, since the first scheduled invoice was being sent out at the end of XXXX, XXXX. Again, I spoke to a courteous, friendly representative, and was told everything looked OK -- the paperwork just needed to be processed. 

My son contacted Firstmark last night ( XX/XX/XXXX ) to check on the status, and was told the exact same thing as all the times before. No one had any reason or idea why the deferment was not processed. It's the same story each time. It seems like Firstmark is playing the clock with loan holders and making them squirm or trying to squeeze them for payments by not doing what they're supposed to do. This is very poor customer service, and there really is no reason this should be happening. This seems to border on predatory lending practices, and Firstmark should be held accountable to do a better job handling accounts.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX {$4900.00} Not my debt
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION has committed fraud and has also committed more than 1000 violations under the FCRA.

Transition is in violation of 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681i ( 5 ) ( A ) ( i ), 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), 15 U.S. Code 1681o ( a ) ( 1 ), and 15 U.S. Code 1681n ( a ) ( 2 )
Product: Bank account or service

Initiated a Bank of America money transfer for {$600.00} on XXXX/XXXX/17. This transaction has been done for the past several months in the same fashion. Unfortunately, this time no email communication was sent to the recipient, as has been the case previously. Additionally, after now three business days, the communication nor the funds have been delivered. After calling last Friday I was told to wait until three business days had passed. Called again today and after completing four cold transfers and over one and a half hours on hold, finally reached a representative of their " Move Money '' Department that told me the problem was with the receiving bank and that given these " known '' issues it may take up to five business days. Having failed to provide notification to the recipient, as has happened in the past, it seems unlikely the issue is with XXXX XXXX instead of BofA. They did n't initiate the transfer and took the money from my account. I will have to resend this money while I wait up to ten days for them to begin their review of my claim, requesting my money be refunded, plus it can take an additional 45 days for them to return the money they have taken from me and failed to deliver to the intended recipient. In addition, for potentially holding my money hostage for 60 days, they have advised me that there is no entitlement to compensation. They say I agreed to some terms but those terms could not be relayed to me on the call nor are they available for review and verification. I expect this money should be returned with interest comparable to my savings account, the source from which the money will have to be taken while I await their review. I have an outstanding claim, for which I can use CFPB assistance in expediting. Claim # XXXX, dept phone # XXXX.
Product: Debt collection

My sister received a call from XXXX and the representative XXXX did not provide any information on where she was calling from. After my sister told her not to call for me on her phone, the representative continued to ask personal questions such as : what 's her husband 's name? Where does she work? and when my sister refused, the s rep said " it 's in her best interest to call sooner than later before further legal action is taken ''. I have no dealings with this company and have never heard from them. I 'm also monitoring my credit report and there 's no information here which indicates they should be calling.
Product: Credit card

I had an XXXX XXXX " True Earnings '' card offered through Costco. As part of the XXXX XXXX and Costco " Rewards '' program, I was sent XX/XX/XXXX a " Cash Back Rebate '' to be applied towards any future Costco purchases. I lost the rebate voucher. I called XXXX XX/XX/XXXX and was assured that they would credit this towards my bill. They did not. Account balances were transferred to new acquiring company CITI Visa. They did not receive any such notice of voucher and directed me back to XXXX. XXXX refuses to discuss this, stating that as of XXXX XXXX accounts were transferred to CITI. I called back CITI. Their records revealed although yes, XXXX approved per phone call with me to approve credit, later on a supervisor declined the transfer. 
I have since made several return calls to both XXXX and CITI and each company says it is the other company 's responsibility to address this issue.
Product: Debt collection

I disputed a collection on my credit profile with experian and have come to believe they did not investigate my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXXXX 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX Balance {$600.00}