23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been harassed for months by companies claiming to work for Check N Go loan services and a company called XXXX XXXX XXXX that says Check n Go sold my account to them. I have gotten calls threatening to sue and seize my property. They have threatened to take me to court and claimed they were just trying to mediate and help me. I receive these calls literally every day and I have records to prove this. I will be suing to the full extent of the law if this contact does not stop.
Product: Student loan

I have been making payments on my loan for 5 years. The numbers do not add up when I do the math and I tried calling them many times in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I spoke to multiple people over the phone and then tried to chat and still no help. We just went around and around. I told them I was going to have a company look into how much they were charging me and they quit responding to me. I just kept making my payments until this month when they charged me over {$200.00} in interest. I have a pretty good log on payments and balance and just want a clear and transparent explanation of why I am being charged so much. Please help! Thank you.
Product: Credit card

This bank is crazy places restrictions on my credit card account now I have no card Im Still waiting for a replacement to be mailed to me its not fair
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you 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, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND  XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$430.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance Owed : {$1000.00} ; XXXX  XXXX Balance Owed : {$9900.00} ; XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX.
Product: Checking or savings account

Mom ( XXXX ) has me transfer all her banking to XXXX XXXX  ( XX/XX/XXXX ) from Wells Fargo which include an IRA account With a maturity date of XX/XX/XXXX. My branch manager @ XXXX  & I filled out all paperwork, including POA verification- it was sent to Wells Fargo address on XX/XX/XXXX. 
XX/XX/XXXX, notified by XXXX that Wells Fargo sent paperwork back- transfer request had to be made on WF forms. Papers resubmitted. 
XX/XX/XXXX : still no word about IRA. Called XXXX IRA number on statement. On hold total of 2 hours. Agent explained problem was they did not have my POA. They never ask requested my POA, which is 12 pages long. Agent said no problem- Go into my local WF with my POA in hand & they would cut a check to XXXX  right there on behalf on mom. 
XX/XX/XXXX : Next day, went to local WF- told them why I was there. Branch manager wouldnt see me- sent me to employee who informed me that everything agent said was wrong. WF policy would not allow. Immediately sent copy of my POA via registered mail to XXXX XXXX- WF investment center . 
XX/XX/XXXX : confirmed POA was received @ XXXX XXXX via USPS tracking. waited ... .. no word. 
XX/XX/XXXX : Called local WF employee. He confirmed they had received my POA & check should be cut in 3 days. 
XX/XX/XXXX : I went to WF to find out why 3 weeks later my moms IRA was not at XXXX. 
Employee once again calls XXXX XXXX- gets run around- he has to escalate. No resolution. 
XX/XX/XXXX : went back to WF, now they say check cut in 5-10 working day. Totally unacceptable. Mom needs her money & we are tired of being taken advantage of. She is a very independent XXXX & I have just had to start helping her with her finances. Unfortunately I found out too late she was one of seniors that credit account opened for her by WF. That is why her WF bank employees were all new every time I took her there. 
I have just received word via phone that they have cut the check & MAILING it from XXXX XXXX to XXXX in Georgia. This is ridiculous that they can not transfer via wire immediately. Mom & I are both very upset. She is so glad she has moved her money out of WF. I dont  believe a word they say & its really scary to think of those seniors that bank with them that Dont have someone to look out for them.
Product: Credit card

On XX/XX/year> I received a push notification of approximately {$35.00} authorized for purchase. I knew I had made these purchases. I checked my recent statements. I noticed XXXX charges made to XXXX : XXXX XXXX dating back to XX/XX/year>. Several would occur on a single day in amounts between {$1.00} and {$5.00}. I have friends in financial services and they know this is an automatic red flag for bogus charges. Aspire should have caught it. I reported the charges on that date. At first, they tried to pin it on me saying I probably lost the card or had a grandchild use it without my knowledge. The card never leaves my possession and I have no children or grandchildren. They canceled my card and reissued a new one. They said it would take XXXX weeks to investigate and up to XXXX business days to reverse the charges. After three weeks I asked why the charges had not been reversed. They said probably another XXXX hours. Never happened. Interest continues to accrue at an exorbitant rate. I just called again, this time they said I never filed a claim. Really? Why did you issue me a new card? I asked for a supervisor ( sixth separate phone call over almost three months ). For the second time in a row, I was placed on hold and the call dropped. Also, their system makes it impossible to get a full screen of the monthly statements making it difficult to track transactions and fees. 
Additionally while researching this matter, I noticed an non-defined line fees that would vary from approximately $ XXXX {$73.00}. There are lines for purchases, payments, credits, and interest. But this line had no explanation. A customer service person said this was for account maintenance ( OK, but why the annual fee ) and credit protection. I NEVER authorized this charge. I never do. This probably has cost me several XXXX in charges and interest. My dealings with Aspire leads me to believe they are a very sketchy outfit. 
Thank you for your time.
Product: Credit reporting

Experian continues to list a XXXX credit card account on my credit report in violation of the 7 year reporting rule established by the Fair Credit Reporting Act ; last payment on this account was made in XXXX 2008 and the current payment status reported by Experian is " Past Due 180 days '' ; I have disputed this account both with the credit reporting agencies and XXXX directly ; XXXX and XXXX correctly removed the account from my credit reports, but Experian did not ; the fact that it was removed by XXXX and XXXX by not Experian tells me that the erroneous reporting is the fault of Experian and not XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm beyond stress and frustrated with the bureaus not responding in a timely manner as instructed by the Fair Credit Reporting Act. I mailed a letter back on XX/XX/2020 and its almost 50 days and I have yet to hear anything from XXXX, XXXX, or Transunion. I feel this lack of abiding to the law has gone way beyond my stress level. I'm at a point where I may need to file legal violations at this point. I should not have to wait another day for these companies to respond. As a CONSUMER you are here so I thought to protect me well I need you to step in and help with this matter.. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I have attached all documents so they can't say this is not me ( XXXX )
Product: Debt collection

They call repeatedly from different numbers and if their calls are not answered, they call a person who is not responsible for the debt in anyway, but was used as a reference at the time of the debt purchase. I am aware of my debt to this business and am doing what I can. It is completely unneccessary that they call and harrass me as well as people who know me.
Product: Debt collection

I had credit card accounts discharged/closed. Third party creditor brought the accounts, reopened and say I owe them. I never opened any accounts with these third part creditors. They shouldn't be allowed to do that. I disputed with all 3 credit bureaus and they refused to remove. Been on my credit over 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first obtained this credit card in XX/XX/XXXX, I've never been late on any payments and currently hold a XXXX XXXX balance. 

In XX/XX/XXXX, I pulled my XXXX credit report and it showed 1 late payment for XX/XX/XXXX. That is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX NBT XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act Reporting, XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States right of privacy belongs to me, so I have the right of privacy. Also in section 15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

I have not given my written instructions to furnish this account so please remove this from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX -account closed_paid XXXX XXXX  XXXX account closed. 
XXXX XXXX -account closed _assigned to attorney 15U.S.C. 1681 section 602 A. & section 604 s.2 15U.S.C. 1681c. ( a ) ( s ) 15U.S.C.1681 section 2 ( 2 ) ( 1 ) These are in violation of my privacy
Product: Credit reporting or other personal consumer reports

XX/XX/year> Experian had a data breach and since then someone has gotten phones in my name and other things.
Product: Debt collection

Received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The letter was to settle a debt that was transferred from Cach or Resurgent LLC. Who I found out after speaking with XXXX XXXX that they transferred the debt back to Resurgent LLC. After I had requested a Debt Validation. My main concerns are they have not ever validated the debt that I request, and upon speaking with them they tell me I need to provide proof of the difference but that is their job as they are collecting on this account. I have never received a break down of how they come with the terms of what I owe. They also do not communicate or update me with anything in regards to this account. Not until I spoke with a collection representative named XXXX today XX/XX/XXXX at approximately XXXX that my account had a cease and desist which I did not put on the account. In addition to the debt validation and balance dispute ; When Cach first took over this account in XX/XX/XXXX they never sent me any correspondence informing me this was an attempt to collect a debt or that it was in collections. I had a personal loan with XXXX  or XXXX XXXX and when it had fallen behind I was under the impression I was with an in house Collection or team who would help me get the account in current status and not until I missed a payment is when all of a suddent this collection is on my credit and they demand the full payment or an unaffordable monthly payment. The whole relationship with this collection agency has been falsely represented and unfair from the start and they need to be fined or looked into on their practices. Furthermore, if this is a business who wants to settle or collect on a debt they would have realistic payments and at this point I am being yo-yoed and played with over a debt that could be paid for and settled. I don't know who to work with or make payments to when I do try to agree to some sort of terms.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Violation of FCRA Rights by Experian and XXXX XXXX XXXX XXXX Dear CFPB : I am writing to formally file a complaint against Experian and XXXX XXXX XXXX XXXX for their violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). The specifics of this complaint are detailed below. On XX/XX/XXXX I disputed an account reported by XXXX XXXX XXXX XXXX, with the original creditor being XXXX XXXX, on my Experian credit report. The dispute in question was investigated and closed in under 24 hours, which strongly suggests that a proper and thorough investigation was not conducted by Experian, in direct violation of FCRA laws. 
The fact that Experian closed my dispute within 24 hours shows a lack of diligence in their investigation process, as they are required by law to conduct a reasonable investigation under the FCRA. This cursory action disregards my rights as a consumer and violates the obligation of credit reporting agencies to fully investigate disputes. in accordance with 15 U.S.C. 1681i.And a Violation of FCRA ( 15 U.S.C. 1681c ) Re-Aging of Debt : Upon reviewing my credit report obtained from Experian, I found that XXXX XXXX XXXX XXXX failed to report the date of first delinquency as required by law. The first date of delinquency, which should be XX/XX/XXXX, has not been reported. Instead, they listed the account as being opened on XX/XX/XXXX, which constitutes a clear case of re-aging, an illegal practice under the FCRA. This misrepresentation extends the time that the debt remains on my credit report and causes undue harm to my credit score and financial reputation. Due to these violations of my rights as a consumer, I respectfully request the following actions be taken : Immediate deletion of the account reported by XXXX XXXX XXXX XXXX from all 3 of my credit reports. Compensation from both Experian and XXXX XXXX XXXX XXXX for their negligence and violations of federal law, specifically related to my rights under the FCRA. A full investigation into the actions of both parties, including whether Experian has violated its duty to properly investigate disputes and whether XXXX XXXX XXXX XXXX has intentionally engaged in the illegal re-aging of debt. If this matter is not resolved to my satisfaction within a timely manner, I will not hesitate to retain legal counsel to pursue further actions for the willful violations of my rights under the FCRA.Thank you for your time and attention to this serious matter. I look forward to your prompt response and resolution.
Product: Credit card

Despite a stellar credit history and credit worthiness, Bank of America has decreased my credit limit significantly, causing my card to be over it's limit. This in turn has significantly negatively impacted my credit score due to the over-limit and skewed utilization from the decrease. I was not contacted about this or notified until after it was done and it has caused my rates on my other cards to go up and is 100 % a malicious business practice.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FDRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Mortgage

On XX/XX/2022, I XXXXXXXX  an overnight packet containing two checks requiring co-endorsement that I received from XXXX XXXX XXXX XXXX for repairs to my home post Hurricane XXXX. Also contained therein was a contractors certificate of completion, as well as the claims adjusters repair estimate, as was requested by Newrezs loss draft department. This letter was received by the mortgage company on XX/XX/XXXX. As of today, XX/XX/XXXX, the funds are being withheld for absolutely no reason with another phony assurance that it will be another ten business days before the checks are sent back to me. And this, mind you, after I was cajoled into purchasing a XXXX overnight package for {$16.00} for speedy return of the aforementioned checks to pay the roofing contractor. This so-called mortgage company with its endless list of consumer complaints and shady business practices needs to be fined and shut down. I also have evidence of fraud in handling of the escrow account attached to my mortgage. Currently, a forensic accountant I hired is reviewing prior account statements. 
The loss draft department has been negligent in answering the phone in a timely fashion. I base this observation on my inability to speak with anyone there after hanging on for 45 minutes or longer several times. A recording during the wait advises leaving a message, but this has proved futile because calls are never returned. Actually, TODAY WAS THE FIRST TIME my call was returned but by someone who claimed to be a mere call operator ( would not give her name ) and couldnt answer specific questions I had. Ten more days for management to review the checks, maybe. And this only after I called corporate headquarters in attempt to speak with someone in upper management. 
My mortgage loan was sold to Newrez by XXXX perhaps 4 to 5 years ago. Given the long list of complaints against Newrez by employees, customers and former employees, it is most unlikely I would select such abysmally dishonest company to conduct business with. 
Today, I called a Newrez/Shellpoint toll-free number and was instead greeted by an obnoxious salesperson with no interest in helping customers, only selling some kind of XXXX XXXX device completely free! Purchasing something as mundane as toilet paper ( use it once and throw it away ) from Newrez would be fraught with XXXX. Caveat emptor. 
This company is without question another XXXX in the making. It desperately needs to be investigated. XXXX is too kind a word.
Product: Credit reporting or other personal consumer reports

Hi, I have been requesting over and over to have my personal information updated as it is reporting inaccurately. 

I have reviewed my credit report and found there are several inaccurate information within my personal identification which you are reporting. I want to ensure you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right to update your reports with the information that I have listed below immediately. The addresses that you are reporting are not accurate!! 

To make your process of deletion easier, here is a list of my information in addition to the enclosed supporting documents. 

My First & Last name is as follows : XXXX XXXX XXXX. 
Please remove any other names you are reporting that does not match. 

My current street address is as follows : XXXX XXXX XXXX XXXX, GA XXXX Please remove any other addresses that are previously reported. 

My date of birth is : XX/XX/1993 Please remove any other dates or years you have listed. 

My employers name is as follows : XXXXXXXX XXXX XXXXXXXX Please remove any other employers that you have listed. 

Name : XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX Date of Birth : XX/XX/1993 After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Sincerely, XXXX XXXX XXXX Enclosed : Photo ID, Proof of SSN, Proof of Address
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX  Date of inquiry XX/XX/XXXX ; XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Debt collection

In the entire amount being disputed, or I should say attempting to resolve, I was not notified during the dispute process (especially toward the end) that the account was being charged off and placed back into Citi Recovery on behalf of XXXX XXXX XXXX XXXX. Because the account balance was being handled by several different entities, the total account balance was in dispute by me, the card issuer, the debt collector(s), and the account servicer.  As a result, communication was unclear and I was charged significantly more than I should have been. Even though the account balance was inevitably sent to collections (and truthfully, this was the best outcome because it finally established a firm account balance), it was done so without proper notification that any dispute processes were closed. As a result, any correspondence undertaken by other entities was mis-timed and did not result in clear communication explaining any given entity's intended course of action.  Above all, the card issuer did not act in good faith toward seeking a resolution that prevented the consumer from incurring negative credit reporting.
Product: Credit card

Paid my Suntrust credit card in full and on time. Suntrust says is was late and fined {$20.00}. Contacted Suntrust to disagree and spoke to several supervisors about issue. Fee became larger and larger to {$180.00}. Then had this reported against my credit, which no supervisor ever mentioned. Have now paid {$180.00} ( which was reduced to {$110.00} with credits from collection agency ) in full but still have credit issue. Credit score was 845 before Suntrust debacle over {$20.00}.
Product: Checking or savings account

Been trying to Transfer information from JPMORGAN CHASE XXXX TO CHASE BANK. BEEN IN CONTACT WITH THE BRANCH. JPMORGAN XXXX XXXX XXXX WITH CODE AND INFORMATION ABOUT THIS SITUATION WITH CHASE XXXX TX. 
. OPEN ED A ACCOUNT WITH MONEY OR DER WITH IT TOO A COUPLE DAYS AGO. CLEARED FOR MY FUNDS, BUT PRIVATE BANK EMPLOYEE DE NED THE RE FUNDS TO PAY FOR THE A ACCOUNT PLUS CANCEL LED MY ACCOUNT WITH OUT AUTHORIZATION FROM ME. I RECIEVEED THE CODE OF CONDUCT WHITE IS NOT HONORED AND I FIL. TODAY I WENT BY TO TALK AND COLLECT MY FUNDS SPOKE WITH FINANCIAL SERVICES -WAS RUDE NO COMMUNCATION OR CUSTOMER SERVICE SPOKE WITH PRIVATE CLIENT EMPLOYEE -RUDE DE NED MY REFUND FROM JPMORGAN CHASE AND CANCEL LED MY ACCOUNT WITH OUT AUTHORIZATION FROM ME SOMETHING NEEDS TO BE DO NE ABOUT THE SITUATION. THE NEED TO IN DER THAT I - WE ARE UNITED STATES CITIZEN. SO I RETURN TO THE BRANCH AND THE WALKED A WAY. CODE OF CONDUCT HAS TO MFAN SOMETHING??