23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted the attached documents to Equifax, XXXX and XXXX yet the information is still reporting incorrectly. 
The XXXX XXXX XXXX XXXX and XXXX XXXX Account are showing past due yet they were paid by XXXX XXXX XXXX XXXX due to COVID19. 


Attached you will find the documentation to support my dispute claim. 

XXXX XXXX are not late and were COVID19 related and paid from XXXX to XXXX by XXXX XXXX XXXX XXXX. Please correct the information. 

Also I have submitted documentation to remove late payments from XXXX XXXX XXXX. XXXX - XX/XX/2020 were also paid by the insurance company and never late. 

Please make necessary adjustments and correct mistakes. 

Thank you
Product: Money transfer, virtual currency, or money service

Chime Digital Bank Outage Class Action Settlement XX/XX/XXXX Chime digital bank has agreed to pay {$1.00} XXXX to resolve allegations that a XXXX service disruption caused its users financial damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

On XX/XX/XXXX I stuck a XXXX in my car, the next day we called and started the insurance process, the following Thursday XX/XX/XXXX night we struck another one. Went ahead and filled a police report for insurance purposes. Once I spoke to my adjuster he decided to just keep one claim since the damage was primarily in the was same position. But with the second hit it made the car non-drivable. So Friday we went and got the rental car our insurance company provided. However once I revived the insurance check, I had to mail it to my finance company XXXX XXXX. When I first reached out to them they provided me an address to mail it to them ; took it to USPS and they told me they couldnt find the address so I finally got A address that was real. So over nighted the check to them on XX/XX/XXXX, it was revived on XX/XX/XXXX. However the address that was given to them was a XXXX XXXX of a bridgecrest represtive. Now its 10 days later and theyve yet to receive the check. And they cant tell me where its at. And my rental car time is running out. My XXXX son is having XXXX XX/XX/XXXX. And I have XXXX other small children. And they cant tell me where at XXXX dollar check is at and have no interest in finding it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been trying to get capital one cards in my name for years and they will not take the inquires off my credit report. I have been disputing my inquires with them for years I have been sending my dispute letters to XXXX Capital one XXXX XXXX, XXXX XXXX  where all 3 credit bureaus say to send disputes. After calling Capital one dispute department they say I have been sending letters to the wrong department and that I need to dispute the inquires with the 3 credit bureaus. The address I was supposed to be sending disputes to is capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told by the capital one employee. Capital one credit card applications are confusing some say they will not affect your credit and and some dont mention that they will do a hard credit pull. The XXXX Capital one credit card applications that I applied for business credit does not state anywhere that they will do a hard inquiry on your personal credit. I look for the fine writing and I can not see it anywhere on the application even though they say it is there, the place where they ask you to put your social security number they only say it is for identification purposes only it says nothing about a hard credit pull. You shouldnt have to read a book or search for something that can lower your score. That should be in big bold letters on all applications so a customer is well informed because some applications dont affect your credit but they are from the same company and you can not tell them apart.
Product: Payday loan, title loan, or personal loan

First.. I have excellent payment history on all my bills. All creditors except Kickoff send emails or mail when bills are due. As soon as I get them, I pay them. Kickoff did not send emails or letters to me. Last year I became a Kickoff customer to build my credit. I invested {$12.00} of my own money into Kickoff. Kickoff was paid the {$12.00} immediately. Now, the only thing I had to do was simulate Im paying them each month on time. In the beginning they sent emails for about 3 months. I believed what i read when I joined their platform that I needed not to worry about keeping up with the simulated payments because they will automatically do it for me because they already have their money. I never borrowed any money from them. Since I did not receive any more notices from them, I literally forgot about my account with them. They were not reporting on my credit report until they sent to my credit report I was late for months of non-payment on a loan. This was a surprise to me because, I never borrowed anything from them. So my credit score dropped 40 points. I reached out to Kickoff and requested for copies of emails to be forwarded to me. What they sent was a made up chart that of course did not validate that they sent me an email or letter via mail. I mentioned to them that if I called anyone of my creditors, they can forward me the emails and letters they sent. I received no more response after that. I disputed it with XXXX telling them, I never received a loan from Kickoff to which this would not make them a creditor. I owe them nothing. They refuse to validate proof and remove the derogatory information on my credit report that wasnt true.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a letter saying my account was closed for false reasons such as high balance and collections and during that time I had no collections on present on my account. I also have a XXXX  balance on the account prior to the letter being sent and have paid consistently on time all year. I previously reported this same credit company for reporting my balance false and incorrectly for two months. I strongly feel this was a discriminatory retaliation move from Best Buy Citi Bank. 


On XX/XX/XXXX, I spoke with XXXX. I asked her multiple times to provide the ID and instead she proceeded to stall to provide it for me and hang up the call. I proceeded to call the customer service line back and to speak with the manager whose name is XXXX, XXXX team number. She then also hung up on the call instead of providing a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE WRITTEN TO THE CREDIT BUREAUS IN REGARDS TO BANKRUPTCY AND THE ACCOUNTS UNDER THE BANKRUPTCY AND STILL NOTHING HAS HAPPEN THEY BUREAUS SENT BACK LETTERS STATING THAT THIS BANKRUPTCY HAS BEEN VERIFIED WHEN THEY KNOW THAT IS A LIE BECAUSE THEY NEVER VERIFIED ANYTHING LOOK AT THE LETTER SENT BACK FROM THE BANKRUPTCY COURT AND THEY SAY THEY NEVER FURNISH ANY INFORMATION TO ANY BUREAUS BUT YET THEY KEEP SAYING IT HAS BEEN VERIFIED THEY KNOW THIS IS A VIOLATION OF THE FCRA THE BUREAUS WOULD NEVER TAKE THE TIME TO GO TO NO COURT AND HAVE ANYTHING VERIFIED SUCH LIARS ONLY THING THEY CARE ABOUT IS THE MONEY THEY GET AND NOT THE CUSTOMERS
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This is a collection agency that calls the numbers of family members and friends XXXX though my phone number has been the same since XX/XX/XXXX XXXX threatening legal action for a payday loan that was included on a Chapter XXXX bankruptcy in the State of Nevada, and discharged on XX/XX/XXXX. The original creditor is XXXX, but their XXXX was different - can not recall. Once contact has been made on my part giving the bankruptcy information, the old debt is then sold to another company. I suspect that it 's the same company each time, but that they provide a different name. The calls start every XXXX to 4 months. Please assist in putting a stop to this. The debt was included and discharged in my Chapter XXXX bankruptcy. The creditor is aware and was notified back in XX/XX/XXXX. They are completely disregarding this fact. Also, I suspect it is the same company because they always ask for my name in reversed order. " XXXX XXXX '', instead of " XXXX XXXX ''. My attorney 's office provided me with the XXXX 's XXXX link to file this complaint. Their office suspects that these collection companies purchased information from my bankruptcy and are illegally trying to collect on their own behalf, using methods like calling people I am related to, to try and collect funds. 

The collector, " XXXX '' once again took my bankruptcy information today, but would not give me their mailing address or any contact information so that I can contact their client/original creditor. They said it was my problem to find out any additional information relating to this debt and hung up. 

The problem with these agencies is that if they find that they ca n't get money from you, even with protections set forth by bankruptcy, they will wait a short while, and then seek out relatives or past relatives XXXX in my case, ex in-laws ) to try and scare them ( and embarrass me XXXX into paying on my behalf or contacting me to pay. This is unacceptable.
Product: Student loan

I have a loan with Mohela ( https : //www.mohela.com/ ). I am in repayment process now and have made several payments on time. However, in the payment history, I noticed that payment was not applied to the principal even for those payment that was paid on time. I contacted Mohela on  XXXX / XXXX /17 and below is the response I received : " Interests accrues daily on federal student loans. Interests accrued between payments : therefore the amount of interest varies with the number of davs that lapse between payments. Payments must be applied first to any outstanding interests, and then to the principal balance. '' The payment that was made a year ago was applied to the principal, but somehow the term of the repayment was unilaterally changed to their benefit. So for the entire year, all of my payments went towards the interest. This is unfair because the payment plan was fixed by Mohela. This is unfair because I would never be able to pay off the loan since the payment will not be applied to the principal, even if it was paid on time.
<P/>
Please advice on how to proceed. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the alleged collection agency XXXX XXXX  on XX/XX/XXXX more than 2 months ago got a response from XXXX that suggested that they didn't do any investigation then I did an online dispute and came back even more convinced they did not investigate the alleged collection account being that the status date didn't change at all which was one of the many flaws found in the inaccurately reported account. 

XXXX and Equifax did not mail me in a report at all and as for the alleged collection agency themselves they failed to send me any proof and if they say they did not know I disputed this debt then that means that XXXX  lied by saying the alleged collection agency verified the debt, how could you verify an account for a dispute you did not know of?

Now here I am complaining to you about this alleged collection account reporting inaccurately.

1.Date of First Major Delinquency Reported is not consistent 2. No Date of Last Activity Disclosed on XXXX  and XXXX how do I know this hasnt been re-aged 3. No original Contract with Third party Clause showing the alleged collection agency as a rightful party to this alleged debt in case of default Sent to me at all If so show the certified mail proof 4. NO 1099 OID -Original Issue Discount sent to me at all If so provide me with certified mail proof 5. Balance owned/ Past Due balance on a collection account 6. Chasing a time barred Debt this debt has been past my states Statue of limitations for about a year now by looking at the alleged date of first major delinquency on this file XX/XX/2016 which is not a full date in itself 7. Account # XXXX  inconsistent I have attached plenty of documents explaining my case, please take this seriously
Product: Prepaid card

Elan prepaid card services said I made more then XXXX ATM with drawls in a XXXX hour period with an attempt of XXXX more with drawls from XXXX and XXXX XXXX  they allowed XXXX transaction at XXXX for a XXXX XXXX  at XXXX then they locked my card and did not notify me so Everytime I tried to use my card it was declined at least XXXX  times at XXXX Everytime it was declined added more time to the card being locked I called them desperate and practically begged them to unlock my card cause I was XXXX hours from home there was over a XXXX cash on that card my money and I told them I didn't break any laws your gon na punish me cause I used my card XXXX to many times are you serious they didn't care and left me stranded XXXX hours from home stuck in my car they punished me and with held my money for using my card sorry that's wrong the bad part is one of there own people told me it was a mistake on there end my card is now unlocked and good for use he lied just to get me off the phone and there was another declined transaction pushing the XXXX hour lockout period later into the next day I was stuck in my car with my XXXX  who just had a XXXX  XXXX XXXX they did not care so what gives them the rite to with hold my money and put me and my XXXX  in a life threatening situation that's horrible I fill like they owe us for this whole situation and putting my XXXX  's life in jeopardy for using my debit card for what it was intended to be used for my money my card why why why
Product: Bank account or service

Chase Bank while I was traveling on the road in XXXX without notice shut down my debit card and account last week without explanation. I had no means of using another debt card while traveling alone on the road. I also have no access to banking information. 
I was inquiring about a claim that week because the bank has taken too much time to resolve XXXX outstanding claims exceeding {$600.00}. I met with a banker, upon my return to XXXX, and the Branch Manager clearly stated that he did not know why my account was shut down ; and did not notice any unusual activity. In fact, the bank did not even give the banker a reason. I could not use my Debit Card at all and had a recent balance of {$940.00}. I had to withdrawal funds from my checking account this week of {$230.00} and have funds missing without even a withdrawal from my previous balance. I recently contacted the claims department and claims clearly, stated, " that the investigation of my claims will take 45 days '' when this time frame has already lapsed. 
I find this type of conduct from a bank unlawful, and I had no means to travel with a card to use for a car rental, which cost me {$250.00} of added travel expenses in order to obtain another card for a car rental, because I had to extend my stay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, I file a dispute about information on my report that was settle with the creditor, and XXXX still has it on my report as negative and its affecting my credit score. what can I do about this?
Product: Checking or savings account

My Chime debit card was debited after I had already paid XXXX XXXX XXXX XXXX using my XXXX XXXX XXXX  Account! They Charged me for {$4000.00} on XX/XX/XXXX across both accounts as seen in the screenshot I sent to chime disputes. My dispute was declined after showing clear proof and evidence that this company double charged me.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report, and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to : 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 an account without my written instructions. 

Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXXXXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX  Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Account # XXXX Account Name : XXXX Account XXXX XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account XXXX : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX Account # XXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thank
Product: Consumer Loan

Since XXXX of this year I have been trying to get the bank to make a correction in my credit report for an account reported incorrectly. I had a personal loan that had a balance of about {$1800.00} in XXXX of 2013 and it was about 30 days past due. I contacted the bank and indicated that I could pay the amount in full if an adjustment was made to the interest rate already paid and a waiver was granted for the accumulated late charges. After several phone conversations, the bank agreed to let me pay off the account with a discount. The amount of discount was {$570.00} which consisted primarily of late charges. The loan was paid off in XXXX of 2013. In XXXX of 2013 the bank reported the debt as charged off to the credit bureaus. The account was 30 days past due at the time the bank agreed to a discount, but reported the account as 120 days past due and for that reason was charged off. The account never reached 120 days past due to justify being charged off as the report to the credit bureau indicates with the charged off code. Subsequently, the account was sold to an investor. The investor sent me a collection letter, however, after I explained the situation the investor verified the information with the bank, and they proceeded immediately to delete the information in the credit report and sent me a letter indicating that I have no debts with them ; however, the bank refuses to do the same and continues to report incorrectly an account they do not own anymore. I have disputed the information in the credit bureaus, but when the credit bureaus contact the bank, the bank indicates the information is correct and takes no action. The bank refuses to change the credit report despite several conversations and after two bank officers agreed with me that the account is incorrectly reported and promised to make the required changes. Also, the bank has not returned the cancelled promissory note despite several requests on my part. 
Please see attached letter which explains in details the problem. 
As resolution for this matter, I want the bank to delete completely the account from the credit bureau since their actions have caused considerable damage since I have been trying to obtain a loan for a house I have under contract for deed, and I have not been able to obtain a loan.
Product: Checking or savings account

On XX/XX/year>, I received an email from Wells Fargo about a {$520.00} bonus for new savings customers ( Bonus offer : XXXX ). Being retirees, and on a fixed income, my wife and I wanted to take advantage of this promotion. We completed the application at the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and the banker, XXXX XXXX XXXX noted on the application that the Bonus Offer was available. So, on XX/XX/XXXX, we deposited {$25000.00} into a savings account with the expectation that the {$520.00} would be added to our new account after the XXXX designated promotion period. So, on or about XX/XX/year>, I checked the account and found the funds were not added. When we visited the bank, they told us that because we had previously taken advantage of a similar offer less than a year earlier, we were not eligible. I had no recollection of that transaction, but I don't doubt that is accurate because we do try to take advantage of most all offers. However, we deposited all that money in good faith and could have been told at the time of application that we were not eligible. I find it very " convenient '' on the bank 's part, that they used our money for 3 months, yet couldn't find the time to let us know that we would not be earning our expected {$520.00} bonus. Had we known, at any time beforehand, we certainly would have found somewhere else to invest our nest egg. In this modern day of computers, the bank could have let us know immediately of our ineligibility... most likely with just a keystroke. Due to their negligence, we believe Wells Fargo should demonstrate their good faith by providing us the promised {$520.00} that we had been expecting. By not granting this request, the bank 's denial could be construed as either gross incompetence or ... even worse - downright fraud against unsuspecting XXXX citizens!
Product: Credit card

Credit card company lowered revolving credit line. I have paid balences all along with over XXXX in assests. This has affected my credit score.
Product: Credit reporting or other personal consumer reports

There is a bunch of inquiries that have been there on credit report that dont belong