23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I file a complaint with the XXXX credit Bureaus Agencies regarding a Collection Debt from Resurgent Capital Services, they Wrote me a letter on XX/XX/XXXX with an Payment statement advising me that such account was mine, I wrote them back and told them that I found inconsistencies along with the information they sent. as Date Account was open, the Balance of the account is incorrect, Last payment there were No payments made since XX/XX/XXXX they altered the account open date, because how do you explain that if it was open on XX/XX/XXXX according to their outdate info why the account would be removed until XX/XX/XXXX is n't it true that will remain 7 years minimum if the account was open XX/XX/XXXX to XX/XX/XXXX is 4 years, there is many discrepancies that are not accurate at all.
Product: Debt collection

I have contacted Transunion on many occasions concerning XXXX XXXX yet TU claims to have verified a fraudulent account. 
Because I dont know a lot about my rights and you putting inaccurate accounts onto my credit file, I had my attorney friend review the letter I sent to your company and the letter you sent back. He told me that according to the FCRA, you have to tell me how you verified the account above. He went on to say that you have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. Im in shock that an account that is a result of identity theft can be verified. I have informed you that the account with XXXX XXXX  is a result of identity theft even sent you all required information. Please review and delete from my credit file immediately.
Product: Credit reporting or other personal consumer reports

This is not an error, and I need this issue to be taken seriously. My credit report contains mixed information, including accounts, transactions, and items that do not belong to me. I have come across these inaccuracies multiple times, and they continue to cause unnecessary stress and XXXX. These errors are not only misleading but are also negatively affecting my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX : XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Events in order below : XXXX I put {$2100.00} into my venmo account. 
XXXX I used my venmo debit card to .are a payment online for {$650.00}. 
XXXX tried to transfer money from my venmo account to my partner for bills that I owed her. 
XXXX I receive an email from venmo that my account is frozen as are my funds ( {$1400.00} ). Venmo is requesting I send them a picture of my ID. 
XXXX send them a picture of my ID immediately. No confirmation email or reply ( still, XXXX days later ). 
XXXX reach out to chat support and they tell me a " account specialist will need to review my ID for further confirmation and my funds are being held ''. 
XXXX -I email asking for update - no reply XXXX I call and email asking for update - no reply to email, call says they will ping the account team, but the rep can't do anything to help. 
XX/XX/11 - email again asking for an update -no reply. 

I have bills to pay, rent to pay, utility bill is overdue and I need access to my funds that have been frozen with no reason or explenation?
Product: Debt collection

I recently received letter dated XX/XX/2021 from MRS BPO LLC in an illegal attempt to collect an alleged debt in the amount of {$22000.00} that I do not owe. In response I have submitted a dispute letter dated XX/XX/2021 with clear instructions to cease and desist all collection activity, including all reporting to consumer reporting agencies. Also, to promptly request deletion of any and all prior reporting made to any consumer reporting agencies.
Product: Mortgage

Midland Mortgage took over as my Service provider from XXXX in XXXX. I was on a Forbearance plan at the time and resumed payments in XXXX of XXXX. After a loan Modification with them I inquired about it being reported to the credit agencies in XXXX of XXXX. Midland said it should appear by XXXX. It still has yet to appear on ANY of the three agency reports and two phone calls to XXXX and XXXX confirm there is no reporting. After several phone calls to Midland to solve this they continue to insist they are reporting my mortgage but refuse to contact the agencies to confirm or to even look at my reports to confirm. This has been a HUGE waste of my time and I have been told i would be called back several times with no follow up. Still no reporting of my Mortgage. Horrid customer service!!!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several billing inaccuracies. The late payments listed do not align with my usual payment history.
Product: Student loan

I had several student loans that were in default. I had been paying on XXXX set of my student loans through Navient. I had a second set of student loans that I went through loan rehabilitation through XXXX. I finished the loan rehabilitation program through XXXX and then my loan was brought by Navient. I was sent an income base repayment information from XXXX to send to Navient. Since I had a set of loans already through Navient I called them and requested assistance with getting both set of loans due at the same time and the payment reduced to an amount to something that I could afford. The representative encouraged me to do the loan consolidation and led me to believe that it would save me money and my payments would be reduced. When my loan was consolidated it was only {$30.00} less that what it was when the loans were n't consolidated. When I log in to my account I still have XXXX sets of loans both due on the same day which is the first of the month. I could have easily requested a due date change and accomplish the same thing. I do n't understand the purpose of me sending in my XX/XX/XXXX Federal tax return along with household information if the payments were n't going to be reduced to an affordable amount that I can afford so that I do n't go back into default. I immediately called back to NAVIENT and the customer service rep was n't friendly and gave me another number so that the income base application could be mailed to me. It is XX/XX/XXXX and my next payment is due XX/XX/XXXX. When I called the XXXX number it was an automated NAVIENT number stating that it would take up to ten days for the application to me be mailed to me. I shy away from systems that require a password because I have memory problems and get extremely frustrated and do n't trust anyone. I am a XXXX veteran. I tried to explain that to the Representative but before I could get it out she told gave me the XXXX number and sent me on my way. The last person from NAVIENT filled the application out for me and I just had to sign it. I was able to google the application and uploaded to my account along with my recent XX/XX/XXXX Federal Tax return. I do n't feel that NAVIENT was looking out for me or my family. They were just out to get the highest payment. Since uploading the income base application, I do n't see where it was received or if someone is working on it. I also sent an email directly through NAVIENT about my concerns and all I received was an automated response stating that someone would get back to me. That e-mail was sent on XX/XX/XXXX and still no response. I ca n't tell you how many call that I got when I was in collections. I 'm trying to be proactive and stay in good standings. I know that the money has to be repaid.
Product: Bank account or service

I work for a commercial cleaning company. Part of my job is to deposit checks into the companies business account and write checks to pay some of the employees. I was added to the companies business account as a signer so I can do my job. One day I go to make a deposit into the account and the teller at Chase Bank tells me that the account is restricted. I then ask to speak to one of the business banker to see what 's going on. The business banker did nothing at all to help. All she said was call the XXXX number on the back of the card. Just poor customer service. I called the number to see why the account is restricted. The Chase representative I spoke to told me that Chase can close any account at any time with no explanation or legitimate reason. When we escalate our complaint to Chase 's executive office, they tell us that Chase does n't want me as customer and in order to keep the account open the company I work for must remove me from the account. Chase openly engages is discriminatory business practices. I did nothing wrong to deserve this kind of treatment. One week after Chase mailed me checks for the business and a debit card, someone else at Chase decided to close down the account if I am not removed as a signer. Maybe they do n't like my XXXX name. They wo n't provide any of us with a reason why they are closing the account. All we were told was that no reason or explanation has to be given and that they can close any account anytime they want. Total abuse of power.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, because they pulled my report as a soft pull, hard pull without my written or spoken permission. 
Account that pulled my report without permission : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A : states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 U.S.C 1681n ( A ) ( 1 ) : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

I am entitled to a full {$1000.00} ( violation ) payment. Please process the payments as soon as possible and provide me with written confirmation through mail that the payment has been completed.
Product: Checking or savings account

XXXX XXXX XXXX XXXX Chase bank has illegally frozen and restricted my bank account, for no valid reason. 

According to Chase bank, they had restricted/frozen my bank account due to a {$14000.00} check written to me by a family member. The check has cleared and the funds are in the account, but Chase bank is making unreasonable demands to un-freeze and un-restrict my account. 

As my family member and I reside in different states, Chase bank has noted in it's computer MEMO, that both myself and my family member must appear at a bank branch together and that my family member must provide to Chase bank XXXX forms of ID. 

At this point, Chase Bank informs me that the matter may still not be resolved, and that my family member may need to provide additional information to Chase Bank. 

My family member has NO fiduciary relationship to Chase Bank - the family member is not a financial partner with Chase Bank and has no account at Chase Bank. 

Therefore, Chase Bank is placing unlawful requirements on a 3rd party, in order to " release the funds '' of their bank customer. 

Currently, I XXXX XXXX am restricted from using my debit card for withdrawals and purchases, AND I can not enter a bank branch for withdrawals. 

The check from the family member has cleared and the full funds are in the account, held hostage by the Bank for arbitrary rules " Your mother must enter the bank branch with you together and show 2 forms of ID, plus additional documents IF needed '' and at that point, we will make a decision. 

Depending on which agent you are connected to at the XXXX call center, that agent will give varying information on what they believe should be done to un-suspend / un-restrict my personal checking account. Chase bank has no uniform code of conduct on this matter.
Product: Credit reporting or other personal consumer reports

I have requested that this account be deleted and blocked I sent the police report and the FTC and also I sent my bill to show the address and information that you have is wrong also there are many mistakes on the account please take in consideration this is the second time I request this XXXX the fraud inquiries as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I discover some negative items on my credit I contacted the company several times to remove it, but I have no response I would like for this to be removed. Immediately is bringing a negative connotation on my credit profile.
Product: Credit card or prepaid card

Hi, My all AMEX credit cards were cancelled by Amex today ( XX/XX/2021 ), Amex is my favourite credit card company because I really like their service and the credit card benefits. I hope Amex can make another reconsideration of my case. 
I always pay my bills on time and have an excellent credit score, On XX/XX/2021, I got a financial review from Amex, I guess it was caused because of some XXXX purchases made by my Amex XXXX credit card, then I paid off all bills right away to keep the balance be XXXX ( I always made the payment on time ). Amex Financial Review says I need to provide my tax return to verify my income, then I filled out the 4506-C form ASAP, so Amex will get my tax return from IRS ASAP and Amex agents told me that it usually take one or two weeks. However, it takes more than 2 months and I still do not get any response from Amex. When I tried to reach out to Amex again, they told me they are not allowed to get my tax return from IRS due to some system errors or IRS delays, and then they ask me to request one from IRS and ship it to them. It is very sad to get this message, but I still request one from IRS right away and then I ship it to AMEX. 
On the morning of XX/XX/2021, the most disappointing thing is that Amex told me the tax return format is not what they want, and I will not have enough time to get a second try. I am very sad to get this result, but it is not fair to me. Usually, Amex gets the tax form from IRS directly, and I was trying to do my best that I can do. 
I really want my AMEX cards to be good to use because I do have two family trips next year, and we hope to have a great trip experience with Amex platinum card benefits ( plan to apply next year ), I also recommend Amex cards to my friends and family members all the time to tell them, Amex is the best credit card company, you can get whatever cards you want, and they have an. excellent customer service.
Product: Credit reporting or other personal consumer reports

I placed an order earlier this year and purchased a dress from XXXX. I returned the dress for personal reasons. Two months later I received a bill saying I owed late charges for a return of the dress. I could not understand why I was being charged a late fee for a return item. After speaking with someone at XXXX and she said I was sent a bill twice that I never received. I explained to the representative that I was very unhappy about the charge and the late fee. Upset with the company, I told them I would pay the late fee, but I asked them to remove my name from their mailing list and never to send me anything from that company again. 

XXXX weeks later, I received an email alert from Experian asking me to confirm that I had opened a credit card with XXXX. I immediately filed a complaint and explained that I never applied for a credit card with this company and that I was unsure how they got my information to even give me a credit card. I told them, I purchased a dress from this company and returned it. Then I get a message that I applied for a credit card. I was told that once they investigated it, the account was verified and updated by XXXX. Very upset, I filed again explaining the same problem that I never applied for a credit card with XXXX and I don't even know how they got my information because I only purchased a dress that i returned. After filing a third complaint with Experian, the company still refuse to remove the information that I believe they had obtained falsely. I never gave them any of my information to even apply for a credit card. 

I contacted XXXX and asked them why they are forcing me to keep something I never applied for and how they obtained my information to even send me a credit card. The representative claim when you place a order, they send you a credit card. I asked how when I only ordered a dress and returned it and asked that they remove my name from their list. I told them I wanted this account closed and removed from my file. 

Well looking at the response from Experian, the account was closed but not removed from my credit report and it will not be until XXXX. 

I am very upset that for something I never applied for can stay on my credit report. This company FALSELY OBTAINED MY INFORMATION and said I applied for a credit card. I NEVER OPENED A CREDIT CARD WITH THIS COMPANY AND I WOULD LIKE TO REQUEST THAT THEY BE PERMANENTLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY AND NOT HELD ON MY CREDIT REPORT UNTIL XXXX. I ALSO WOULD LIKE TO REQUES THAT THIS COMPANY BE INVESTIGATED IN HOW THEY OBTAIN CUSTOMER 'S INFORMATION AND SEND THEM A CREDIT CARD WITH THE CUSTOMER NOT KNOWING AS MYSELF. I AM SURE i AM NOT THE ONLY ONE WHO HAS HAD THIS PROBLEM. I just want this company XXXX removed from my credit report permanently and that they are investigated in how they obtain information about customers who place an order with them.
Product: Credit reporting or other personal consumer reports

TransUnion Credit Reporting Bureau. 

I am unable to access my TransUnion Service account. After entering userid and password, they ask for a code that is apparently sent to my XXXX email address. That code never gets sent. I have tried several times over a period of few months. I do not get my annual credit report. I can not freeze or unfreeze my credit report. 

I called the number the TransUnion chat representative provided and was able to get hold of a live person. This individual helped me lift the freeze on my credit report temporarily and confirm my account email address. But, kept reiterating that the authentication will come to my email in 10 or 20 minutes. In less than 10 minutes, the website logs me out. 

This is a serious issue and they should fix their authentication issue. If their IT system is not functioning properly, it could lead to the same debacle that XXXX had a few years ago.
Product: Student loan

XXXX I took out a Student loan for {$4600.00} and after I graduated I started repaying this loans out XXXX and after a year or so I was unable to manage the payments long story short on XX/XX/XXXX I ended up paying in total {$10000.00}, or more I dont have records for XXXX of payments, the Student Loan it ended up with INTEREST and FED LOAN SERVICES want me to pay another {$15000.00} in interest fees, this has affected my Credit and I Disagree in the handling of this Loan that started in XXXX for {$4600.00}, this economy back then was very hard to maintain jobs, paying my bills, and a family, I Paid this Student loan in XXXX plus interest and now interest continues this amount of {$15000.00} is an All interest amount, I am sadly deepened that the Government ( USA ) can and do this to citizens, ( students ) they dont have no regards as to this Economy which now is just as bad TODAY AND IN THE PAST, this is just another form of discrimination and its the Government ( USA ) that allows this to go on. This has affected my Credit, score, and Life, I feel taken advantage and dissatisfied for this is worse than loan sharks. I did the best I could during those times.